Credit card statement analyzer
Upload a credit card statement PDF to categorize every charge, find recurring fees, and export clean transactions to CSV or Excel.
Upload your bank statementAnalyze my card statementPDF from any bank. Scans and photos work too.Works with every card issuer
Visa
Mastercard
Amex
Chase
Capital One
Discover
Citi
Barclays
HSBC
Apple Card
- + 500 more
To analyze a credit card statement, upload the PDF from your issuer and review the categorized transactions. The analyzer identifies merchants, amounts, categories, recurring subscriptions, and fees, then lets you export the rows to CSV or Excel. No bank login or live account connection is required.
Why analyze your credit card statement?
Your credit card issuer shows you a list of charges. What they don't show: how much you actually spend on dining vs. groceries vs. subscriptions. A credit card statement analyzer reads your PDF and turns raw charges into categorised, exportable data.
Spot hidden fees
Annual fees, foreign transaction charges, and interest charges buried in your credit card statement — found automatically.
Track spending by category
Dining, travel, shopping, subscriptions — across all your credit card charges.
Export for tax prep
Clean CSV or Excel for your accountant, bookkeeper, or expense report.
Most people use a credit card statement analyzer for one of three reasons: tracking personal spending, preparing business expenses for tax season, or getting a credit card statement to CSV format that accounting software can import.
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
From credit card PDF to Excel in 30 seconds
What your card issuer gives you
- AMZN MKTP US*2K4F3-$47.99
- SQ *BLUEBOTTLE COFFEE-$6.50
- UBER *TRIP HELP.UBER-$23.40
- APL*ITUNES.COM/BILL-$14.99
What our analyzer gives you
- AmazonShopping-$47.99
- Blue Bottle CoffeeDining-$6.50
- UberTransport-$23.40
- Apple iTunesSubscriptions-$14.99
Our credit card spending analyzer reads the PDF, uses AI to categorise every charge — Shopping, Dining, Subscriptions, Travel — and exports a credit card statement to Excel or CSV with one click. Each row includes date, merchant, amount, and category.
Works with Chase, Amex, Capital One, Citi, Discover, and 500+ more card issuers worldwide. Whether it's a personal Visa or a business Amex — upload the PDF, get categorised spending data you can actually use. One free statement upload total, ever — no signup required.
More than just categories
Find the charges you forgot about
Every transaction is checked for repeat payments, including charges you may not recognize at first glance.
- Monthly, yearly and weekly charges
- What your subscriptions really cost a month
- Free trials that turned into payments
Recurring · $564 a year
- NNetflix$15.99
- SSpotify Premium$10.99
- CChatGPT Plus$20.00
Your money, explained in plain words
A short read on your spending habits and anything unusual, based on every transaction in the statement.
- Unusual spending spikes
- Running balance checked to the cent
- A plain summary of where you stand
What your report says
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%.
Transportation costs dropped $45 from January. The new bus pass is paying off.
You have 5 active subscriptions totaling $84.96 a month. Review if all are still needed.
Savings tips from your own spending
Each suggestion points at the payments behind it and what it would save you a month, not generic budgeting advice.
- Biggest monthly savings first
- The payments behind each tip
- One clear next step for each
You could save
$227a month
- Eat out less often$180
- Bundle streaming services$12
- Switch to cheaper fuel$35
Analyze your own statement
Upload a PDF and see every transaction sorted in about a minute. Your first upload is free.
Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
Pass
One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
Pro
Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
- Priority support
Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
Credit card statement analyzer —
questions & answers
Can I analyze any credit card statement?
Yes — Visa, Mastercard, Amex, Discover, and all major card issuers. Upload the PDF from your bank's app or website.
How do I get my credit card statement as a PDF?
Log in to your card issuer's website or app, go to Statements, and download the PDF for the month you want to analyze.
Can I export my credit card transactions to CSV?
Yes. After analysis, export all transactions as CSV or Excel with one click. Each row includes date, merchant, amount, and AI category.
Does this work with Chase credit card statements?
Yes — Chase, Capital One, Citi, Amex, Discover, Barclays, and 500+ more card issuers worldwide.
How is my credit card data protected?
Your PDF is deleted right after analysis — we don't keep it. Only the categorized transaction data is saved to display your results.
Can I use this for business credit card expense reports?
Absolutely. Many small business owners use it to categorize business expenses from their card statements for tax prep or bookkeeping.
What categories does the credit card analyzer detect?
19 categories including dining, travel, shopping, subscriptions, utilities, gas, entertainment, and more — all automatically identified by AI.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Analyze your credit card statement
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.