Potential savings analysis

How much could you save from your bank statement?

Upload a PDF to find recurring charges, fees, and spending patterns that may be worth reviewing.

Estimate my opportunities

Your full spending report

Net saved in October 2024

$2,868
+37.2% of income

Income

$7,712

Spent

$4,844

Activity

47 tx · ~$103/day

Find money you're leaving on the table

$215/mo$2,580/yr
$

Cancel unused subscriptions

3 services you haven't used in 60+ days

$47
$

Switch to cheaper phone plan

You're overpaying vs similar usage profiles

$35
$

Cook 3 more meals per week

You averaged $42/meal eating out — 18 times this month

$133

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

Total spent$4,844
Housing$1,850
Dining$765
Shopping$683
Transport$504
Utilities$422

Your financial health, scored

87/100
Excellent
Savings Rate37.2%
Spending ControlGood
Subscription Load$349/mo
Emergency BufferStrong

Spot hidden recurring charges

8 subscriptions found · $349/mo

N
Netflix$15.99
S
Spotify$10.99
C
ChatGPT Plus$20.00
$4,188/year if you keep them all$349/mo
Analyze my statement

Short answer

What can a bank statement savings analysis tell you?

A bank statement savings analysis can estimate the monthly impact of specific actions, such as fixing a spending leak, cancelling an unused recurring charge, reducing a high-cost category, or addressing repeated fees. It uses your transaction history as evidence, but the final amount depends on what you choose to change.

Illustrative examples

The estimate should show its evidence

These examples show the format of a useful recommendation. They are examples only, not typical results or a forecast of what any user will save.

SignalEvidence in the statementAction to reviewIllustrative impact
Unused recurring charge$14.99 appears each month under the same merchantConfirm the service, then cancel it if you no longer use itUp to $14.99/mo
Repeated bank feeTwo $35 overdraft fees appear in the statement periodAsk the bank about a refund and review how to avoid future fees$70 in that period
Category driftDining totals $420 this month versus a $300 target you chooseReview the merchants and set a realistic reduction target$120 to review

How the estimate is built

Four steps from transactions to a decision

1

Upload your statement history

Upload one statement for a quick snapshot or several months when you want to compare recurring costs and spending patterns over time.

2

Review categories and recurring charges

The report groups transactions by category, merchant, and recurring pattern so you can see the charges and areas that drive the month.

3

Read the evidence behind each suggestion

Check the transactions, merchant pattern, and estimated monthly impact connected to an opportunity before deciding whether it applies to you.

4

Choose what to change

Cancel, reduce, investigate, or leave the item alone based on your own priorities. The estimate is a planning aid, not a promise of savings.

An estimate is useful when it is traceable. Always check the merchant, date, and amount before cancelling a service, disputing a charge, or changing a budget.

Turn the estimate into the right analysis

Each workflow starts from the same PDF analysis, but is written for a different question. Choose the one closest to what you want to find.

Find spending leaks →

Start with the categories, merchants, and charges most worth reviewing.

Find recurring charges →

See subscriptions, memberships, and fees grouped by billing pattern.

Review monthly spending →

Break the month into categories, merchants, recurring charges, and trends.

Analyze the full statement →

Get categories, money flow, recurring charges, insights, and exports together.

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, including charges you may not recognize at first glance.

  • Detects monthly, annual, and weekly charges
  • Shows your true monthly subscription cost
  • Spots free trial conversions before they auto-renew

Recurring · $564/yr

N
Netflix$15.99
S
Spotify Premium$10.99
C
ChatGPT Plus$20.00
3 recurring$47/mo

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

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

AI-generated insights

Smart recommendations

Not generic tips — your tips

Every recommendation is based on your actual transactions. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.

  • Ranks changes by potential monthly impact
  • Names the transaction pattern behind each tip
  • Gives you a concrete next action to review

Potential monthly savings

$227/mo

$
Reduce dining out frequency$180
$
Bundle streaming services$12
$
Switch to cheaper gas$35

Statement analyzer pricing

Pro

$19/ month

For heavy files and repeat work

  • 200 PDF pages per month
  • Unlimited visible transactions per report
  • Subscription and recurring charge detection
  • Priority support
Most popular

Business

$49/ month

For lenders, accountants, and teams processing at volume

  • 500 PDF pages per month, then $0.08/page
  • REST API access with your own keys
  • Unlimited visible transactions per report
  • Priority support
Your file stays privateSecure checkoutCancel subscriptions anytime

FAQ

Potential savings —
questions & answers