Proof of funds calculator
Check whether balances and coverage look strong enough for a proof-of-funds pass before you send the statements.
Start with the free tool. For the real numbers from your own statement, analyze a statement PDF.
Pick the right tool
Need the visa-specific version?
Use the visa funds checker when the query is about visa or immigration-style proof-of-funds review rather than a generic threshold check.
Open visa funds checker →Need package completeness too?
Use the readiness checker when the statement set may be incomplete, fragmented, or weakly packaged before review.
Open readiness checker →Need the actual statement reviewed?
Use the analyzer when you want real balances, gaps, and transaction context pulled from the uploaded file.
Analyze a statement PDF →Check whether the balances look strong enough before you send the file
The free tool keeps to simple proof-of-funds signals. Uploading the real statement goes further: every transaction read, the balance checked to the cent, and your average balance over the months.
Proof-of-funds inputs
This is a packaging and threshold check, not immigration advice.
Average or typical balance visible on the statements.
The target amount you need to show for the application.
How many months of statements are included.
Balances stay comfortably above the line
Funding looks organic
Clear ownership trail
Funds check
100/100
Strong proof-of-funds setup
Manual threshold you need to show.
Amount above the target.
Attention points
- The manual setup looks structurally strong for a proof-of-funds pass.
Move from a rough funds check to the real statement
A manual proof-of-funds check is useful for orientation. Uploading the statement is useful when you need the actual balance story, transaction trail, and file quality verified from the document itself.
- Every transaction from the real file
- Category totals and repeat charges
- Export to Excel or CSV
Fast enough for a first pass
Each tool does one job: a clean estimate, not a stand-in for a full statement analysis.
Built for proof-of-funds basics
Focuses on the simple signals that usually matter first: balances, coverage, and obvious red flags.
Good first-pass screen
Useful before the real document workflow starts.
Strong bridge to upload
Naturally hands off to the full flow when you need the actual file reviewed instead of typed assumptions.
Who this helps
This is a threshold and packaging calculator, not a substitute for official proof-of-funds rules.
Visa and immigration prep
Students and applicants
Cross-border document prep
Internal admin review
What this calculator checks first
The first question in proof-of-funds review is usually not deep categorization. It is whether the statement visibly supports the claimed balance story.
Coverage length matters
A strong ending balance alone is not always enough. Reviewers often want enough history to see whether the money was there consistently.
Balance dips create avoidable questions
If the account falls under the target during the visible period, the package often feels weaker even if the latest balance looks fine.
Large unexplained deposits can slow approval
A sudden inflow may be legitimate, but if it has no obvious source it often turns into a documentation question instead of a clean proof-of-funds read.
Guides that go deeper
The tool gives the quick read. These guides explain the thresholds and what documents are expected.
Proof of funds calculator: questions & answers
What does a proof of funds calculator do?
It gives a rough readiness read based on balances, months covered, visible dips below target, unexplained deposits, and ownership consistency.
Is this legal, immigration, or lender advice?
No. It is a manual threshold and packaging tool only. Actual proof-of-funds rules depend on the institution, program, and country involved.
Why upload statements after using this?
Because the manual tool only reflects what you typed. Uploading the statements is what lets you inspect real balances, gaps, deposits, and file quality directly from the document.
Something else on your mind? Write to contact@mybankstatementanalysis.com.