Track personal accounts, categorize transactions, and let import rules do the busywork — alongside Enterprise Consolidation and Business Intelligence, on the same login that runs your business.
The personal-finance app charges a subscription, sits on a different login and never sees the side-business invoice. The bank export needs cleaning every month. Three accounts, three places to check the balance.
Response365 brings personal accounts into the same dashboard as the rest of your work. Import a statement, let the rules categorize it, see all three accounts together — without paying for one more SaaS tab.
Current, savings and cards aggregated into a single dashboard — with balances, recent transactions and category breakdowns at a glance.
Merchant mapping and import rules sort each transaction into the right category — so importing a statement isn't a Saturday-morning chore.
Personal lives on the platform you already use for the company — no extra subscription, no extra login, no second app to remember.
Drop a file in, watch rules categorize it, and the dashboard updates. Roll the same data up alongside business numbers in Business Intelligence.
Upload a CSV, OFX, QIF, MT940 or PDF statement — the importer detects the format and the account.
Each row is matched against merchant mapping and prior-month patterns before anything is written.
Import rules apply a category — groceries, subscriptions, transport — with the rule that fired recorded next to it.
Cash withdrawals and combined receipts are split into the categories that actually match how the money was spent.
Anything the rules couldn't confidently categorize lands in a short review queue — typically the only items you touch.
Balances, category trends and net worth roll up across all accounts. three accounts, one view
Current, savings and cards live alongside each other — with running balances and reconciled history.
A small library of import rules turns "K-MARKT HKI 0123" into "Groceries · K-Market" — automatically, every time.
Twelve default categories, custom sub-categories underneath, and trends that update with every import.
Drag a CSV, OFX, QIF, MT940 or PDF statement in — the importer detects the account, dedupes against existing rows and runs every rule. What's left to review is a handful of items, not the whole file.
Recurring-pattern detection lists every active subscription with the next-charge date — so the streaming service you forgot about for fourteen months can finally be cancelled.
Deductible-flagged transactions, receipts attached, exported as a clean dataset — no rebuilding the year from twelve bank exports in February.
| Capability | YNAB | Monarch Money | Response365 Personal Finance |
|---|---|---|---|
| Multiple personal account types | Yes | Yes | Yes — 4 types |
| Statement import formats | CSV / OFX / QIF | CSV / OFX | 5 — CSV, OFX, QIF, MT940, PDF |
| Import rule types | Limited | Basic | Yes — 6 rule types |
| Merchant mapping & cleanup | Manual | Auto | Yes — remembered & auditable |
| Transaction splits & sub-categories | Yes | Yes | Yes — with parent rollup |
| Multi-currency | No | Limited | Yes — per account |
| Same login as your business platform | No | No | Yes — one account |
| Tax-deductible tagging & export | Manual | Limited | Yes — flag & export |
| Cost | Per-month subscription | Per-month subscription | Included in Response365 |
The conservative annual case for a small-business owner who runs personal finances alongside the company.
YNAB, Monarch or a similar subscription — retired in favour of the same login as the rest of the platform.
An hour a month no longer spent hand-categorizing a bank export — rules and merchant mapping do the cleanup.
Deductible-flagged transactions exported in minutes — instead of rebuilding the year from twelve statements.
Before counting the subscriptions surfaced for cancellation — and the deductions that would otherwise have been missed.
Personal accounts are linked to the same Response365 dashboard used for business modules, so you see checking, savings and card balances in one view without switching apps. Import rules and merchant mapping automatically clean and categorize transactions from statement imports. No extra login is required.
Yes, you upload a CSV or connect via bank feed, then the platform’s import rules and merchant mapping assign each transaction to the correct category based on your custom rules. The process runs in the background, turning a statement import into a clean ledger without manual re‑typing.
No. Personal finance is included in the base platform subscription; there is no additional monthly fee beyond the standard user price.
The base platform costs €14.99 per user per month, which already covers personal‑finance, business modules and all core features. A one‑month free trial is available (credit card required) to test the full suite.
Yes, Response365 offers a 1‑month free trial of the entire platform, including personal finance, after which the standard rate of €14.99/user/month applies. You must provide a credit card to start the trial.
Let us show you in five minutes how a bank statement becomes a clean, categorized month — and how the same dashboard sits alongside Business Intelligence and Enterprise Consolidation, on one login.