Financial statementanalysis

Upload any financial statement PDF — AI extracts every transaction, categorizes spending, and generates a complete analysis report.

AI-poweredPDF to insightsExport to CSV/Excel
Drop your bank statement hereTap to upload your statement
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Free·No signup·Deleted after analysis
... statements analyzed
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See how it works

Why it matters

What financial statement analysis reveals

Income vs expenses

See exactly where money comes in and goes out — summarized at a glance.

Spending categories

19 AI-detected categories automatically assigned — groceries, transport, housing and more.

Trends over time

Month-by-month patterns and anomalies highlighted automatically.

Export for reports

CSV, Excel, QIF for accounting software — one click, ready for your accountant.

How the AI works

Techniques we use

Every upload runs four layers of analysis — automatically, in under 30 seconds.

01

Horizontal analysis

Compare periods side by side — spot whether spending in any category is rising or falling month over month.

02

Vertical analysis

See each category as a percentage of total spend — instantly understand where the biggest share of money goes.

03

Ratio analysis

Income-to-expense ratio, savings rate, subscription burden — calculated automatically from your data.

04

AI categorization

Natural language processing on every line item — merchants identified, categories assigned, zero manual work.

Use cases

Who uses financial statement analysis

👤

Individuals

  • Personal budgeting and expense review
  • Tax prep — categorized spending exports
  • Visa and loan application documentation
  • Understand where money goes each month
🏢

Small businesses

  • Monthly P&L review without an accountant
  • Expense tracking across all accounts
  • Bookkeeping-ready CSV and Excel exports
  • Catch unexpected fees and subscriptions
📊

Accountants & advisors

  • Process client statements in seconds
  • Standardized category output for every bank
  • Export to CSV and import to any ledger
  • Handle scanned PDFs without manual entry

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
Start Free
Most popular
Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
Start Pro

FAQ

Financial statement analysis FAQ

What is financial statement analysis?+−
Financial statement analysis is the process of reviewing financial documents to understand income, expenses, assets, and liabilities. For individuals and small businesses, this typically means analyzing bank statements, credit card statements, or P&L statements to understand cash flow and spending patterns.
What are the main techniques of financial statement analysis?+−
The three main techniques are: horizontal analysis (comparing figures across multiple periods), vertical analysis (expressing each item as a percentage of a base figure), and ratio analysis (calculating key metrics like expense ratios or savings rates). Our AI tool performs all three automatically.
What software is used for financial statement analysis?+−
Tools range from Excel (manual, time-consuming) to dedicated software like our analyzer (automated, AI-powered). Our tool reads any bank statement PDF and applies AI categorization in under 30 seconds — no manual data entry required.
Can AI do financial statement analysis?+−
Yes — modern AI can extract transaction data from PDFs, classify spending by category, detect patterns, and generate summaries. Our tool uses Google's Gemini AI to analyze statements from any bank worldwide.
How do I analyze a financial statement?+−
Upload your bank statement PDF to our analyzer. The AI reads each transaction, identifies merchants, assigns spending categories, and generates a visual breakdown. You can then export the categorized data to CSV or Excel for further analysis.
What does a financial statement analysis report include?+−
A complete analysis report includes: total income and expenses, spending breakdown by category (food, housing, transport, etc.), month-by-month trends, largest transactions, and a Sankey diagram showing money flow.
Is financial statement analysis free?+−
You can analyze your first 3 pages free — no account required. Paid plans start at $9/month for 500 pages, suitable for analyzing 12+ months of statements or multiple accounts.