Download a statement from your bank, upload it here, and watch your income and expenses appear automatically — no bank logins, no credentials, no data selling.
Unlike apps that ask for your bank username and password, FIO-PAYPATH uses a file-based approach. You download a statement file from your bank, upload it here, and we parse it locally. No credentials are stored, no ongoing connection is kept, and you can delete your imported data anytime.
Export a CSV file from your bank's website. No passwords, no logins — just a file you control.
Drop your CSV file into the upload zone. It's parsed instantly in your browser — never sent to a third party.
FIO-PAYPATH automatically categorizes income and expenses. Review the preview, adjust categories if needed.
Confirm the import and your income sources and expenses instantly populate your cash flow forecast.
Log in to your bank's website or mobile app and export your transaction history as a CSV file. This is the most common export format and is supported by virtually every bank and credit union.
Desktop
Bank website → Download / Export → CSV
Mobile App
Statements → Export → CSV or Email
Best Range
30–90 days for optimal detection
Bank-specific download instructions:
Go to the Bank Import page and drag your downloaded CSV file into the upload zone, or click to browse. Your file is parsed instantly in your browser — no waiting for a server to process it.
Drop your bank statement here
or click to browse · .csv files from any bank
Supports: Chase, Bank of America, Wells Fargo, Capital One, Discover, and most standard CSV exports
No credentials stored
Your bank login is never entered or saved
Instant parsing
Transactions are read locally in your browser
After upload, FIO-PAYPATH automatically detects whether each row is income or an expense and assigns a category. You'll see a preview showing:
42
Transactions found
3
Income sources detected
39
Expenses detected
A sample of the first 5 rows appears so you can verify dates, descriptions, and amounts look correct. You can also select your date format (US or International) if your bank uses a non-standard format.
Click "Import Transactions" to confirm. Your income sources and expenses instantly populate your:
Your Dashboard forecast updates immediately, showing your 30-day safe-to-spend runway, upcoming bills, and FIO Confidence score — all based on your real transaction data.
Your bank statement is a point-in-time snapshot. To keep your forecast accurate, re-download and upload a new statement every 2–4 weeks. FIO-PAYPATH will detect new recurring transactions and update your runway automatically.
Never. FIO-PAYPATH uses a privacy-first approach — you download a file from your bank and upload it here. We never ask for your bank username or password, and no ongoing connection is created.
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