Hone your money
Find what your vendors owe you.
Add your bank statement or the bills your vendors sent. Get back what you were overcharged, with proof for every dollar and a letter for each vendor.
- Add a statement or billsCSV or Excel from any bank or system
- See what's owedwith the proof for each dollar
- Get it backsend the letters, track the money
Name and run
Letters aren't signed yet. Sign them in Settings
History
Every audit is kept on this device only, with its report, workbook and letters.
No audits yet. Your first one will appear here.
Back up, restore or delete audits in Settings.
How it works
Export what vendors billed from your accounting system or vendor portal as CSV or Excel. Column names don't need to match: "Supplier", "Bill No", "Amount Paid", "Cost Center" and many other spellings are recognised.
Where do I get these files?
Anything that can save a list as CSV or Excel works. No accounting software? Start with your bank or card statement. With bills too, every bank payment is matched to the bill it paid.
- Your bank
- Sign in on the bank's website, open the account, then "Download" or "Export" account activity → choose CSV (sometimes "Spreadsheet" or "Excel") and the months you want. Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC and most credit unions offer it.
- Credit cards
- Amex: Statements & Activity → Download → CSV. Capital One, Chase and Citi cards: open the card's activity → Download transactions → CSV. Add each card as its own file.
- QuickBooks Online
- Reports → search "Transaction List by Vendor" for bills and "Bill Payment List" for payments → Export → Excel.
- Xero
- Reports → "Payable Invoice Detail" for bills; the "Payments" or bank account transactions for payments → Export → Excel.
- Other accounting software
- Look for a report of bills or accounts payable by vendor, and one of bill payments or checks. Export either as CSV or Excel.
- Food and supply distributors
- In the vendor's online portal, open invoices or order history and export the invoice lines (item by item). Your sales rep can send an "invoice detail" export if you can't find it.
- Paper or a notebook
- Download a blank template below, fill it in Excel or Google Sheets (vendor, bill number, date, amount), and save it as CSV.
Menu names differ between versions. Columns can be named any way; the app recognises many spellings and lets you match the rest.
The files, and what each one unlocks
For your home
No business needed. Choose Personal on the first screen and add the statement from your bank or card app. You'll see every subscription and bill that repeats and what it costs a year, charges made twice, bank fees you can ask to have refunded, and bills that went up. Each finding has Copy what to say: the words to paste into the bank's or company's chat or email.
Most banking apps offer the download under Statements or Account activity. If yours only gives PDF, look for "Download transactions" or "Export" on the bank's website instead.
Words used here
- Owed back
- Money the vendor should return or credit: you were charged or paid more than you should have been, and the paperwork shows it.
- Needs a category
- A payee the app couldn't place from its name. Tap it on the Spending tab and pick one; it's remembered for every future audit.
- Bank fee you can ask back
- Overdraft, returned-payment, monthly service, wire and foreign-transaction fees. Nothing is owed, but banks often refund them when asked.
- Worth negotiating
- Nothing is owed, but you're losing money: a price that went up with no agreement behind it, or a discount you paid too late for.
- Credit memo
- A note from the vendor saying they'll take an amount off what you owe, for example for damaged goods.
- PO (purchase order)
- What you approved before the work or delivery. Billing past it without a change order is a claim.
- Contract price, cost-plus
- The price you agreed. Cost-plus means the vendor's own cost plus an agreed fee per item or a percentage.
- Claim letter
- A ready-to-send request to the vendor, listing each item and the rows that prove it.
- Fingerprint
- A code that proves the result: the same files always give the same fingerprint, so anyone can check the audit wasn't changed.
Can a vendor refuse?
Quality and shortages (damaged, short, wrong, spoiled): vendors usually accept these only if they're noted at delivery, on the receipt before it's signed or within a day or two, as their terms say. Keep a delivery-issues log or the driver's credit slips; add it here and the app finds the credits you asked for and never got.
Billing and payment mistakes (paid twice, overpaid, over the contract price, credits never deducted, math errors): these aren't covered by the delivery window. They're accounting errors, usually recoverable for years, unless your contract sets a deadline for invoice disputes. Set each vendor's window under Letters and every claim shows its send-by date.
General information, not legal or financial advice. Your contract with each vendor is what counts.
Blank templates
Use these when an export is missing a column.
Your data
Files are read on this device and never uploaded. There is no account and no tracking. Audits are saved on this device until you delete them in History.
Privacy policy · Support · Backups and diagnostics are in Settings.
Settings
Everything here stays on this device.
Use Hone Audit for
Personal reads a household's bank or card statement. Business also reads bills, contracts and payments.
Display
Automatic follows this device's own settings. Changes apply at once and are remembered here.
Sign your letters
Added under each claim letter so vendors know who to reply to.
Claim windows
How long each vendor's contract gives you to raise a billing error. Set one from a vendor's letter in any audit; every claim then shows its send-by date.
Names and categories you chose
Your audits
Audits live only on this device. Save a backup file to keep them safe or move them to another device; restoring adds them back, with their tracker.
About
· runs on this device, nothing uploaded
Diagnostics copy the app version and any errors this device recorded, never your files or results.