Online Banking improvements

[Brettster]

I'm trying to find out what is the right direction I need to go in for this business plan. I'm interested in making a program that runs online through the banks online statements. The program will categorize each purchase so that you can keep track of your budget very easily.

For example, if you bought 150$ worth of gas, it would have a gas budget and show how much you spent for the month. You could also set a number of what your goal is in each category and see how well you keep true to it.

Some other categories would be:

Food
Entertainment
Bills
Savings
Gas


I would like the program to run off the banks website so no downloading is required. I feel if the program actually worked, it would be a big selling point for new customers that there is a software that helps with budgeting.

So back to my question, what is the right direction for this plan. I have zero experience programming so I would have to hire someone from who knows where. I'd also need to show how the software would work with the website.