Fair point. By “fully control” I meant that the data ends up in a user-owned spreadsheet that you can export any time, rather than being locked inside a propri

Fair point. By “fully control” I meant that the data ends up in a user-owned spreadsheet that you can export any time, rather than being locked inside a proprietary fintech platform. And you’re right: it’s not strictly “local” if you use OpenAI or Gemini. The core pipeline runs locally (parsing/normalization/dedup) and doesn’t require Open Banking or any server-side infra, while categorization can be cloud-based depending on configuration. I’ve updated the README to make this distinction explicit, and I’m also exploring a lightweight local categorizer for a fully offline setup. Thanks for the comment.