AI bank statement analyzer
Bank statement analyzer
Upload any bank statement PDF or image and get transaction categories, spending charts, recurring charges, and exports in one report.
Works with major banks worldwide
Use cases
Who uses a bank statement analyzer?
Mortgage & loan applications
Lenders review spending patterns, not just balances. Get income deposits, recurring debt payments, and category totals in a report you can sanity-check before submitting PDFs.
Personal budgeting
See groceries, dining, transport, and subscriptions separated automatically — without building a spreadsheet from hundreds of POS and ACH lines.
Accountant & bookkeeper handoff
Export categorized transactions to CSV, Excel, QIF, OFX, or QBO instead of forwarding raw statement PDFs and hoping nothing was missed.
What you'll get
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
Free preview · Takes about 30 seconds
What you get
From raw PDF to usable spending report
Extract transactions
The analyzer reads dates, descriptions, debits, credits, balances, and account metadata from digital PDFs, scans, and statement images.
Categorize spending
AI maps transaction lines into practical categories such as groceries, rent, transport, subscriptions, dining, income, transfers, and fees.
Find recurring charges
Subscription and recurring-payment patterns are grouped so you can spot insurance, streaming, software, gym, and loan payments quickly.
Export clean data
Download the structured result as CSV, Excel, QIF, OFX, or QBO for budgeting, accounting, tax prep, or lender review.
Manual review vs. AI analyzer
Why use a bank statement analyser?
A bank statement analyser does what your bank won't — it turns months of raw transactions into a clear picture of where your money goes. Instead of scrolling through pages of POS 4829 TESCO EXTRA and DD REF NETFLIX, you get groceries, subscriptions, transport, and rent — labelled and totalled.
Mortgage prep
Lenders want categorised spending — give them clean data, not raw PDFs
Track spending
See exactly where your money goes each month, down to the category
Accountant handoff
Export transactions in the format your accountant or tax software needs
That's what separates an analyser from a simple PDF reader. Readers pull text out of the file. Analysers understand it — matching merchant names to categories, detecting recurring charges, and computing your savings rate. Ours uses AI to handle the messy, inconsistent formatting that every bank seems to invent on its own.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
How much does it cost?
Upload free and see a preview. Pay only when you want the full breakdown.
One statement, full report
Perfect if you just need answers from one bank statement.
- Every transaction unlocked
- Spending categories & charts
- Subscriptions & recurring charges found
- Download CSV or Excel
Preview free first — pay $7 only to unlock everything
Monthly plan
For landlords, freelancers, and anyone who checks statements often.
Cheaper than two $7 unlocks if you check statements monthly.
- 50 statement pages per month
- Saved reports & history
- Subscription tracking on every upload
- Ask AI about your spending
Need more volume? See Pro & Business below
Guides before you upload
- How to analyze bank statements (step-by-step) →
- Unknown charge explainer (paste any descriptor) →
- Billing descriptor lookup →
- Amazon charges: AMZN MKTP, RETA, Prime →
- NGIC / National General insurance charges →
- POS DEBIT & POS PURCHASE meaning →
- GOOGLE * / 1600 Amphitheatre charges →
- Download a Chase statement PDF →
- UPI / NEFT / IMPS codes on Indian statements →
- YES Bank statement PDF password →
- Federal Bank statement PDF password →
- Best bank statement analyzer tools (2026) →
- Unlock password-protected PDFs →
FAQ