Spending analysis — find where your money goes
Find spending leaks, recurring charges, and potential monthly savings from any bank statement PDF.
Upload your bank statementAnalyze my spendingPDF from any bank. Scans and photos work too.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
What can a bank statement analysis help you find?
A bank statement analysis turns transaction history into decisions: where money goes, which charges repeat, and which changes could have the biggest monthly impact. It cannot guarantee a fixed saving, but it can estimate opportunities from your own statement instead of using generic budget percentages.
Where are my biggest spending leaks?
- What the analyzer checks
- Groups transactions by category and merchant, then surfaces unusually large or changing areas of spend.
- What you get
- A clear view of whether dining, shopping, fees, transport, or another category is driving the month.
Which subscriptions and recurring charges should I review?
- What the analyzer checks
- Looks for payments that repeat at a regular interval, including recurring charges with slightly different descriptors.
- What you get
- A list of recurring merchants, amounts, and billing patterns so you can decide what to keep, cancel, or question.
How much could I potentially save each month?
- What the analyzer checks
- Uses the spending patterns in your statement to create conservative, transaction-backed savings suggestions.
- What you get
- Potential monthly savings impact for specific actions. It is an estimate based on your data, not a guaranteed saving.
Upload one statement for a quick snapshot or several months to compare recurring costs and spending patterns. Start with the transactions you already have — no bank login is required.
What a spending analysis shows you
A personal spending analysis turns a wall of bank transactions into a clear answer: where does your money actually go? Not what you think you spend — what you actually spend. Most people are off by 30-40% when guessing their own monthly spending breakdown.
Upload your statement and the AI spending analysis runs in about 30 seconds. You get category totals, percentage breakdowns, a Sankey money flow chart, subscription detection, and your savings rate — all from one PDF. No bank login, no app to install, no spreadsheet formulas.
Sample spending breakdown — March 2026
- Housing & Rent$2,100 · 33%
- Groceries$892 · 14%
- Transport$645 · 10%
- Dining Out$534 · 8%
- Subscriptions$385 · 6%
- Shopping$320 · 5%
+ 13 more categories, all worked out from your bank statement PDF
How a bank-statement spending analysis works
Spending analysis turns a PDF bank statement into a categorized report in three steps. First, the analyzer extracts each transaction line — date, descriptor, amount, and balance. Second, it matches transactions to 19 categories using merchant patterns and a financial-document model. Third, the report aggregates spend by category, merchant, and month, then highlights subscriptions, fees, transfers, and outliers.
Processing time depends on the page count and whether the PDF contains selectable text or scanned images. The workflow supports bank statement PDFs from banks worldwide. Results also depend on document quality and merchant detail, so review transfers, mixed-purpose merchants, and unfamiliar descriptions before acting on a recommendation.
Housing
Total and share of your statement
You'll see: Rent, mortgage, HOA, property tax
Groceries
Total, merchants, and share of spending
You'll see: Whole Foods, Tesco, Trader Joe's, Aldi
Dining out
Total and transactions to review
You'll see: Uber Eats, Doordash, Starbucks, restaurants
Transport
Total, recurring costs, and outliers
You'll see: Uber, Lyft, Shell, BP, transit cards
Subscriptions
Recurring merchant, cadence, and amount
You'll see: Netflix, Spotify, Amazon Prime, iCloud
Insurance
Premiums and statement-period impact
You'll see: NGIC, GEICO, Progressive, Allstate
Shopping
Total, top merchants, and unusual charges
You'll see: Amazon, Target, Walmart, Apple
+ 12 more categories
Healthcare, utilities, travel, education and the rest, sorted for you.
What to look at first in a spending analysis
Largest categories
Recurring charges
Transfers vs real spend
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
A spending analysis tool that doesn't need your bank login
Mint (RIP), YNAB, Copilot, Monarch — every spending tracker wants you to link your bank account via Plaid. That means sharing credentials, dealing with connection failures, and paying a monthly subscription. For what? To see the same data that's already in your PDF statement.
Our spending analysis tool works backwards from the document — not from an API connection. That means it handles old statements, closed accounts, and banks that don't support Plaid. Upload a PDF from 2019 and it works exactly the same as one from today. One free upload, no signup.
- No bank login. Upload the PDF you already have. No Plaid, no credentials, no connection issues.
- Instant results. About 30 seconds from upload to a full spending breakdown, not days of syncing.
- Any bank, any time. Old statements, closed accounts, foreign banks. If you have the PDF, it works.
Spending analysis questions & answers
What is a spending analysis?
A spending analysis is a breakdown of every transaction from your bank statement into categories like Housing, Food, Transport, and Shopping. It shows you exactly where your money goes each month — in percentages, dollar amounts, and visual charts.
How does AI spending analysis work?
You upload your bank statement PDF. Our AI reads every transaction, identifies the merchant, and assigns it to one of 19 spending categories. It then calculates totals, percentages, and generates a money flow diagram plus personalized savings tips.
How is this different from Mint or YNAB?
Unlike budgeting apps that require linking your bank account, this tool works from a single PDF upload — no bank login, no ongoing connection, no subscription required. Upload once, get instant results. It is especially useful for one-off reviews, historic statements, and accounts you do not want to connect via Plaid.
Can I analyze spending from any bank?
Yes. The AI works with statements from any bank worldwide — Chase, Barclays, HSBC, Deutsche Bank, BNP Paribas, ING, Santander, HDFC Bank, and thousands more.
How many spending categories are there?
We use 19 categories: Housing, Groceries, Dining Out, Transport, Shopping, Subscriptions, Healthcare, Insurance, Utilities, Entertainment, Travel, Education, Personal Care, Gifts, Pets, Kids, Investments, Transfers, and Other.
Can I export my spending analysis?
Yes. Every analysis includes export to CSV, Excel, QIF, OFX, and QBO. Open it in Excel, Google Sheets, or import into QuickBooks, Xero, or any accounting tool.
Is my bank statement data safe?
Your PDF is deleted right after analysis — we don't keep the raw file. Only the categorized transaction data is saved to display your report.
Is spending analysis free?
Yes. Anonymous users get one free upload total, ever. That upload analyzes up to 10 PDF pages and shows up to 20 transactions. Free accounts show up to 50 transactions per report. Pro includes 100 pages per billing cycle with full transaction visibility, and Business includes 500 pages per billing cycle.
Can spending analysis show how much I could save each month?
It can estimate potential monthly savings from your own transaction patterns. The report may flag recurring costs, unusually high categories, and specific actions with a conservative estimated impact. The amount is an estimate, not a guaranteed result.
How do I find spending leaks from a bank statement?
Start with the largest categories, recurring charges, unusual transactions, and possible duplicate charges. An AI spending analysis groups those signals from your PDF and helps you decide what to review first.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
See where your money goes
Upload a statement and get your spending by category, every recurring charge and what you could save. Your first upload is free.