From upload to insight,
it’s that simple
Six clear steps to take control of your money. No spreadsheets, no manual entry, no headaches — Raaz does the heavy lifting from start to finish.
Upload your bank statements
Download your bank statements (PDF or CSV) from your bank’s mobile banking app, then drop them into Raaz. For the most useful insights, start with the last 6 months — Raaz handles the rest.
Raaz reads & analyses automatically
Behind the scenes, Raaz combines AI and machine learning to scan every transaction, identify transfers between your own accounts, and map merchants to categories — all in seconds.
Get your Financial Health Score
Raaz gives you a personalised score out of 100 — with a breakdown of exactly where you stand on spending, safety net, and income stability. The more history you upload (6+ months ideal), the more accurate your score.
Tweak categories to fit your life
Most transactions are categorised automatically. For the few that need a human touch, tap to set the category — Raaz will remember your choices forever.
Set budgets & track recurring payments
Set your expected monthly income and total expenses, then allocate to the categories that matter most. Anything you don’t allocate goes into an “Everything else” bucket. Raaz also flags recurring bills automatically so nothing surprises you.
Watch your money grow over time
Every month, Raaz gives you a clear summary of where you stand, what changed, and where you’re winning. Custom date ranges let you zoom in or zoom out.
Upload weekly
Drop your statements in once a week for the freshest insights and most accurate tracking against your monthly budget.
Review & tweak
Spend a minute checking categories the first time — Raaz will remember everything and get smarter next time.
Start with the basics
Set budgets for the categories you spend the most on. The rest sits in “Everything else” until you’re ready.
Create your own categories
The default categories cover most spending, but you can add your own anytime — perfect for things specific to how you live.
Check offers regularly
Personalised offers refresh often — check the offers tab weekly to make sure you don’t miss anything relevant.
It’s free, always
Raaz has no premium tier, no paywalls, no ads. The full experience is free for everyone.
Ready to start your journey?
Download Raaz free and get your first Financial Health Score in minutes.