Spending analysis — find where your money goes
Find spending leaks, recurring charges, and potential monthly savings from any bank statement PDF.
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
From transactions to decisions
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.
| Question | What the analyzer checks | What you get |
|---|---|---|
| Where are my biggest spending leaks? | Groups transactions by category and merchant, then surfaces unusually large or changing areas of spend. | A clear view of whether dining, shopping, fees, transport, or another category is driving the month. |
| Which subscriptions and recurring charges should I review? | Looks for payments that repeat at a regular interval, including recurring charges with slightly different descriptors. | 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? | Uses the spending patterns in your statement to create conservative, transaction-backed savings suggestions. | 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.
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.
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.
| Category | What the report calculates | Merchants you'll see |
|---|---|---|
| Housing | Total and share of your statement | Rent, mortgage, HOA, property tax |
| Groceries | Total, merchants, and monthly trend | Whole Foods, Tesco, Trader Joe's, Aldi |
| Dining out | Total and transactions to review | Uber Eats, Doordash, Starbucks, restaurants |
| Transport | Total, recurring costs, and outliers | Uber, Lyft, Shell, BP, transit cards |
| Subscriptions | Recurring merchant, cadence, and amount | Netflix, Spotify, Amazon Prime, iCloud |
| Insurance | Premiums and statement-period impact | NGIC, GEICO, Progressive, Allstate |
| Shopping | Total, top merchants, and unusual charges | Amazon, Target, Walmart, Apple |
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, including charges you may not recognize at first glance.
- 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, including charges you may not recognize at first glance.
- 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. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
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. See the pattern behind the suggestion and its estimated monthly impact, not vague budgeting advice.
- Ranks changes by potential monthly impact
- Names the transaction pattern behind each tip
- Gives you a concrete next action to review
Analyze your own statement
Upload a PDF, get a categorized report preview in 30 seconds.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per billing cycle
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per billing cycle, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
A spending analysis tool that doesn't need your bank login
Mint (RIP), YNAB, Copilot, Monarch — every spending trackerwants 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. One free upload, no signup.
FAQ