Zovo Spending Report
Terms of service
Effective 2026-10-02. By using Zovo Spending Report you agree to these terms.
The service
Zovo Spending Report is a tool provided by Zovo, a brand operated by autom8 LLC for use inside ChatGPT, Claude, and other MCP clients. Zovo Spending Report turns a bank or credit card statement (text PDF, CSV or Excel export, or pasted rows) into a budget view: spending by category, income against spending, monthly totals, top merchants and the recurring charges you pay, with the next expected date and the cost per year. Merchant names are cleaned ("SQ *BLUE BOTTLE 1234 OAKLAND" becomes "Blue Bottle") and categories come from fixed rules that you can change. Transfers between your own accounts and credit card payments are not counted as spending. Downloads: an Excel workbook and a one-page PDF summary.
Acceptable use
Do not use the service for unlawful purposes, to infringe the rights of others, or to disrupt or overload the service.
No professional advice
Results are generated by deterministic calculations from the inputs you provide. They are informational and are not legal, tax, financial, or other professional advice. Check important results before relying on them.
Your content
You keep ownership of the content you enter. You grant us only the rights needed to process it and return the result.
Availability and warranty
The service is provided "as is" without warranties of any kind. We may change, suspend, or discontinue it at any time.
Liability
To the maximum extent permitted by law, Zovo, a brand operated by autom8 LLC is not liable for indirect or consequential damages arising from use of the service.