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To all privacy enthusiasts:
I’ve written a lightweight software to analyze your account transactions without being bound to the service of one bank or having to rely on any of the big players. Naturally this comes with a small downside regarding the inconvenience of having to manually import the account data.
If you’re interested in trying the program, fell free to download the windows executeable file or or run the source code in a python environment:
Notes on usage of the beta versions:
- Extract the downloaded zip-file
- Only on Windows: Install KYSA to a location of your choice and start the program after successful installation
- Only on Mac: The KYSA.app file inside the unzipped folder is not verified by Apple. You can execute the software with the Ctrl-key pressed.
Windows (Windows 8.1 and above):
macOS (Big Sur and above):
Unfortunately I wasn’t able to deploy stable versions for Linux operating system so far. For those of you wishing to contribute to this work in progress: You’ll find parts of the source code under my codeberg-alias codade. Please see also the notes on usage and privacy further below.
You have to export your account transactions to a csv-file so that it can be read-in with KYSA. From version 4.04. on the import of xml-files complying to the SEPA standard (ISO 20022) is also supported. Currently only csv-files of german accounts are supported, but I hope to integrate further accounts in the near future (see more below).
KYSA analyzes the transactions and sorts them into categories based on the entries defined by the user. KYSA is shipped with some categories already pre-defined. You can either stick to them or change them and of course add new categories.
Before starting data analysis you can define to extract all transactions associated with vacations to a separate file. Furthermore you can let KYSA round every payment to the next full amount and extract that sum of roundings (called „roundies“). Last but not least it is possible to link your cash withdrawals in your account transactions to your manually recorded cash payments. For this to work you need to record your cash payments in the „cashbook“-Excel file which is provided within the download zip-file. This excel file has to be imported and can then be matched to all data records which were already processed. This analysis step can help you to get a more realistic overview of the amounts spent in each category (cash and card payments).
The results of these analytical steps are returned as Excel-File (opt-in), which you then can use for further calculations. Moreover KYSA provides a set of diagrams (e.g. Boxplot, Bar and Pie Charts) to help you understand your spendings faster. These diagrams are saved as pictures (png-files), so you can easily access them on multiple platforms without starting KYSA again.
Since version 4 you’ll also get the possibility to view your data in a locally hosted dashboard. There you also have to possibility to dynamically adjust the time period and compare two different datasets.
Below you find some screenshots of the User Interface and resulting diagrams (without values and category names):
Screenshots Version 4:
You can support KYSA in three ways:
- Help me with the development of the program either through contributions to the code or through deploying the source code as executeable file for other platforms. Since there is always room for improvement in terms of both user experience and the categorization process, I’m looking forward to every support. The source code is available at codeberg.org.
- You can also support the project by mailing me a csv-file of your bank account, in case it is not supported yet. Please be aware that you have to delete all you personal information (account id, name, transactions…) before uploading. Make sure that empty rows at the beginning of the file are not deleted and that all header columns are kept.
Thanks for your support!
Note on usage
Currently only *.csv exports of the following german bank accounts are supported:
- Apobank (current account)
- comdirect (current account & credit card)
- Commerzbank (current account)
- Consorsbank (current account)
- DKB (current account & credit card)
- Deutsche Bank (current account)
- Fidorbank (current account)
- Fyrst Business (current account)
- Genossenschaftsbank (current account)
- Hypovereinsbank (current account)
- MLP Bank (current account) (not validated with real data)
- Norisbank (current account)
- Sparkasse (current account) (csv-MT940 format)
- Triodos Bank (current account)
- Volksbank (current account)
You can use KYSA for free. I do not assume any liability for results and/or possible problems or data loss that may occur during use. The software is provided as is; warranty claims are excluded. The provisions of the attached software license apply.
The windows version is provided as zip-file. After extraction you can execute the installer, which leads you through the installation.
Please be aware that the Windows Security Center may display a security alert, as the folder was downloaded via the web and is not registered with Windows. In that case you have to grant an exceptional permission to execute the file.
The KYSA.app file is not verified by Apple and must therefore be opened with the Ctrl-key pressed. For beta-versions please execute KYSA.exe from within the folder.
KYSA was developed to help you analyze your transactions without spying on you. The program doesn’t collect any information about you nor your payments. An internet connection is only needed to download the program or to run the account type updater. The categorization works via the manually maintained classification table, which ensures that no connection to a server is needed.