Cash-flow review
Financial statement analysis
Use this page when you need review and interpretation across statements. For raw transaction extraction, use extraction software . For file-format exports, use the converter .
What you'll get
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
$1,850
Largest expense
$103
Avg / transaction
22
Active days
Saturday
Busiest day
AI Insight
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
Spending breakdown
$4,844 across 7 categories
Financial Health
Recurring · $4,188/yr
Potential monthly savings
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
What financial statement analysis actually tells you
Financial statement analysis turns raw bank data into answers: where your money goes, how spending changes over time, and what's eating your cash flow. Most people try to do this manually — scrolling through PDF pages, copying into Excel, building formulas. It takes hours.
Horizontal analysis
Compare spending across months — see if groceries went up or subscriptions crept higher
Vertical analysis
What % of income goes to rent? To dining? See every category as a share of total spending
Ratio analysis
Savings rate, expense ratio, recurring vs. one-time — key metrics computed automatically
Our financial statement analysis software does all three automatically. Upload a PDF, get categorised transactions, charts, and exportable data — in 30 seconds, not 3 hours.
50+ languages
Upload from any country — AI reads local scripts
Smart vision extracts transactions from any format — no matter the bank, country, or language
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.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 500 PDF pages per month
- Up to 100 visible transactions per report
- Subscription and recurring charge detection
- AI explanations for spending patterns
- 12-month analysis history
- Unlimited PDF pages
- Unlimited visible transactions per report
- Receipt scanning (5/mo)
- Priority support
Why use financial statement software instead of Excel?
Excel is the default financial statement tool — but it requires manual data entry. You download the PDF, copy-paste transactions into rows, clean up formatting, write SUMIF formulas for categories. Every bank formats differently, so you rebuild the spreadsheet each time.
Dedicated financial statement software skips all of that. Upload the PDF — the software reads it via OCR if needed, normalises the data, and uses AI to categorise every transaction. The output is a dashboard with spending breakdowns, subscription detection, and export to CSV, Excel, QIF, QBO, or OFX.
The best financial statement software handles any bank worldwide — US, UK, European, Australian, Asian. It reads 35+ languages, works with scanned documents, and doesn't break when your bank changes its PDF layout. Ours does all of that — first page free, no signup.
FAQ