How to budget from an SEB, Swedbank, or Revolut statement

You don't need to hand over your bank login to build a budget. Every major Swedish bank — and neobanks like Revolut — lets you download a statement as a CSV or Excel file. Kronvis reads that file entirely in your browser, so your raw transactions never touch our servers, and turns it into categorised spending, detected income, and a forward-looking forecast.

1. Export your statement

Log into your bank on the web (not the app — the app rarely offers a full export) and look for Download, Export, or Account statement. Pick the widest date range available; 12 months gives the cleanest picture of recurring costs and irregular income.

• SEB: Accounts → the account → Export transactions → CSV.
• Swedbank: Account overview → Export → CSV/Excel.
• Handelsbanken & Nordea: statement export from the account detail view.
• Danske Bank: transactions → export.
• Revolut: Account → Statement → Excel/CSV for the period.

2. Drop it into the import wizard

In Kronvis, choose your bank and upload the file. The parser handles each bank's column quirks — Swedish decimal commas, date formats, and separate debit/credit columns — and clusters your transactions to suggest income sources and recurring expense categories. You confirm or reclassify each one; nothing is locked in until you say so.

3. Separate fixed, variable, and one-time

The wizard sorts spending into three buckets that map directly onto how money actually behaves:

• Fixed — rent, insurance, subscriptions. Predictable amount, predictable date.
• Variable — groceries, transport, eating out. Kronvis learns a smart average from your history.
• One-time— a flight, a new laptop, a deposit. These shouldn't pollute your month-to-month picture.

4. Read your forecast, not just your past

This is the part most budgeting apps skip. Once your recurring income and costs are in, Kronvis projects your balance weeks and months ahead and tells you whether you stay above your safety line. Drag a slider to test "what if rent goes up" or "what if I cut dining by 20%" and the line updates instantly.

From then on you only confirm the recurring items the forecast already expects — one tap each — so the projection stays accurate without you logging every coffee.