AI-powered spending breakdown
Spending analysis
Upload a bank statement PDF to analyze income , spending , subscriptions , and export the result to CSV in about 30 seconds.
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
Other tools choke on your statement
Scanned, photographed, blurry, or in another language — we handle it all.
Others
- Can't read scanned statements
- Mixes up columns and dates
- Doesn't understand transaction context
- Manual sorting required
- English only
Our analyzer
- Reads any PDF — scanned, digital, or photo
- Gets columns right every time
- Understands context: $1,200 to "RESIDENT MGMT" = rent
- Auto-categorizes every transaction
- 35+ languages supported
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.
Sample spending breakdown — March 2026
+ 13 more categories — all computed automatically from your bank statement PDF
Upload your statement and the AI spending analysis runs in 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.
What to look at first in a spending analysis
Largest categories
Start with housing, groceries, transport, shopping, and subscriptions. These categories usually explain most of the month.
Recurring charges
Check recurring merchants early. Small monthly charges are often where fast savings opportunities appear.
Transfers vs real spend
Treat transfers, repayments, and card movements carefully so you do not mistake cash movement for actual spending.
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.
- 1 analysis / month (up to 25 pages)
- 20 transactions per document
- Auto-categorized transactions
- Money flow visualization
- Export to CSV & Excel
- 500 pages / month
- 100 transactions per document
- Everything in Free
- AI savings advisor chat
- Find hidden subscriptions
- Extract receipts, invoices & tables
- 12 months history
- Unlimited pages
- Unlimited transactions per document
- Everything in Basic
- 5 image recaps / month
- Redact sensitive data
- Fraud & fake-statement detection
- Translate any language
- Priority support
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.
No bank login
Upload the PDF you already have. No Plaid, no credentials, no connection issues
Instant results
30 seconds from upload to full spending breakdown — not days of sync
Any bank, any time
Old statements, closed accounts, foreign banks — if you have the PDF, it works
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. Free to try, no signup.
Method & Trust
Supporting pages for deeper spending analysis
These pages explain accuracy, extraction quality, supported statement types, and the workflows behind the spending report so you can trust what the analysis is showing you.
How It Works
→See how uploads move from PDF or image to structured transactions, categories, and export files.
Accuracy
→Understand what accuracy means for digital PDFs, scanned statements, OCR, categorization, and exports.
Supported Banks
→Check which statement types, regions, and export formats work best with the analyzer and converter.
Best Analyzer Guide
→Comparison-style page for buyers evaluating statement analysis tools and workflows.
Best Converter Guide
→Commercial comparison page for teams choosing a bank statement converter or PDF-to-CSV workflow.
FAQ
Spending analysis —
questions & answers
Related reading
How to Analyze a Bank Statement
What to look for, how to spot patterns, and what the numbers actually mean.
Best Bank Statement Analyzers (2026)
How the top tools compare — features, accuracy, and what to look for.
Bank Statement Terms Decoded
Every abbreviation, label, and transaction code explained in plain English.