Receipt Category Classifier

Paste receipt text or use file-name clues to group purchases into budget categories before importing them into a spreadsheet.

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Interactive Tool

This tool runs in your browser and is loading now.

Enter your values once it appears to see your results.

How Receipt Category Classifier works

Press Load model once: your browser downloads Gemma 4 E2B instruction-tuned (web build) (2.0 GB) from this site and keeps it in its cache. Then add your text and press Classify receipt. The model runs on this device using your graphics card, so nothing you enter is sent to a server. Until the model is loaded, or if your device cannot run it, the tool falls back to a simple keyword check and labels the result as the fallback.

Gemma 4 E2B instruction-tuned (web build) is a small open language model from Google. The tool sends it the instruction below plus your text, asks for a JSON answer with fixed fields, and shows each field as a card. It runs at temperature 0, so the same input gives the same answer on the same device, though different graphics cards can word it slightly differently.

Inputs longer than 6,000 characters are cut to that length before they reach the model, and the result says so. The model only sees what you paste: it does not look anything up.

The instruction the model gets

You read the text of a receipt (or a short note about one) and give it a budget category so it can be filed. Use one of: Groceries, Restaurant and coffee, Fuel and transport, Pharmacy and health, Travel and lodging, Subscriptions and software, Utilities, Office and business supplies, Household and shopping, Other. Use what you know about common merchants and the items listed. If the receipt mixes categories, give the main one and list the items that belong elsewhere. If the text is not a receipt, say the category is Other and explain. This is not financial, tax or legal advice, so do not tell the user what they should do with their money. Do not do any arithmetic: copy every amount, date and percentage exactly as written, and never compute totals, differences, gaps, averages or percentages.

What it returns

  • Category: One category from the list, then a few words on why.
  • Merchant: The store or company name exactly as written, or empty if none is given.
  • Items that belong elsewhere: Items that fit a different category, written as 'item → Category'.
  • Details to keep: Date, payment method, receipt number and total exactly as written.

Worked example

The model's output for the built-in sample, recorded on a desktop browser. Your run may word things slightly differently.

Finance note: paycheck posted, rent and insurance cleared, grocery spending is above plan, and one unfamiliar ACH debit needs review.
Category
Household and shopping
Merchant
Not stated
Items that belong elsewhere
grocery spending → Groceries
Details to keep
paycheck posted rent and insurance cleared grocery spending is above plan one unfamiliar ACH debit needs review

The model

The files are served from this site, versioned so a cached copy is never stale. Nothing is fetched from a third party while you use the tool.

ModelDownloadRuns onLicence
Gemma 4 E2B instruction-tuned (web build)2.0 GBGraphics card (WebGPU)Apache-2.0

Limitations

  • Small language models make mistakes: they can miss an item, merge two, or state something more confidently than the text supports. Check the result against your input before you rely on it.
  • It needs WebGPU and about 8 GB of memory, so it is offered on desktops and laptops, not on phones and tablets. Devices that cannot run it get the keyword fallback, clearly labelled.
  • Results describe the input you gave, not the real-world situation behind it. Review them yourself before acting.
  • This is not financial, tax or legal advice. Confirm anything important against your own records and with a qualified professional.

Good uses

  • Budget cleanup: label the 40–60 uncategorized rows a bank export leaves behind each month.
  • Expense reports: separate reimbursable client spend from personal spend on the same card.
  • Bookkeeping prep: pre-sort a quarter of paper receipts before handing them to an accountant.
  • Family spending review: settle whether the "groceries" number is really groceries.
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Frequently Asked Questions

Common questions about the Receipt Category Classifier

No. The model files download from this site once, and then everything runs in your browser tab. The text you enter is never sent to a server, and closing the tab discards it.
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Sources & References

Federal Reserve Survey of Consumer Finances

The most authoritative source for U.S. household net worth data. Conducted every 3 years with ~6,000 families.

Average vs. Median Net Worth by Age (2022 Data)

• Under 35: Median $39,040 | Average $183,500
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100

Why Average is Higher Than Median

Median represents the middle household (50th percentile). Average is skewed higher by ultra-wealthy households. Median is a better benchmark for typical American households.

Net Worth by Income Percentile (2022)

• Bottom 50%: Median $27,970 (2.6% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)

Components of Net Worth

Net worth = Total Assets - Total Liabilities

Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings

Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans

Millionaire Statistics (U.S.)

• ~14.6 million millionaire households in U.S. (2024)
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old

Tip

Focus on your personal financial goals rather than comparisons. These benchmarks provide context, not targets. Your ideal net worth depends on your age, income, goals, and lifestyle.