Sift is a personal finance tool that reads Nigerian bank statement PDFs in a web browser and organizes the information into a view of a user’s finances. It supports statements from banks and financial services including OPay, PalmPay, Kuda, GTBank, Moniepoint, FirstBank, FairMoney, Stanbic IBTC, Sterling, Providus and Globus. Users can view transactions, balances and account numbers across their accounts, along with spending categories, cash flow and bank charges. To use Sift, a user downloads a statement from their bank and opens it in the app. Sift can read password protected PDFs and checks extracted totals against the totals printed by the bank, reporting discrepancies. It identifies transfers between a user’s own accounts so they are not counted as spending, and can show recurring payments and fees such as stamp duty, SMS alerts, card maintenance and transfer charges. Users can set monthly budgets by category, add notes, and view a 90 day forecast with what if controls. Statements are processed and stored in the user’s browser, encrypted on the device, rather than uploaded to Sift’s servers. Users can transfer data between devices using an encrypted backup protected by a passphrase. The optional Ask Sift feature answers questions about a user’s finances by sending a summary of relevant totals; the site states that this summary is not stored. The app offers three free questions, with additional questions available in paid packs.