Spending Analysis —
See Every Dollar

Upload your bank statement PDF and get a complete breakdown of your spending — by category, by merchant, and over time. No spreadsheets. No manual entry.

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What your spending analysis includes

Every transaction from your bank statement is categorized, totaled, and analyzed automatically.

19 spending categories
Every transaction sorted into Housing, Food, Transport, Shopping, Subscriptions, Healthcare, and 13 more.
Sankey money flow chart
Visual diagram showing income flowing into each spending category — instantly shows where your money goes.
Subscription detector
Automatically flags all recurring charges: streaming, gym memberships, apps, and services you may have forgotten.
AI savings tips
Personalized suggestions based on your actual spending — not generic advice. Identifies your specific overspending areas.
Month comparison
Upload two months to see exactly how your spending changed. Which categories increased? Where did you improve?
CSV export
Download all categorized transactions as a spreadsheet for your own budgeting, accounting, or tax preparation.

How spending gets categorized

Our AI assigns every transaction to one of 19 categories. Here's what a typical monthly spending breakdown looks like — and what each category covers:

Housing
28%
Rent, mortgage, utilities, insurance
Food & Dining
17%
Groceries, restaurants, coffee
Transport
11%
Gas, car payments, Uber, parking
Shopping
10%
Amazon, clothing, home goods
Subscriptions
6%
Netflix, Spotify, gym, apps
Healthcare
5%
Doctor, pharmacy, insurance
Savings
23%
Transfers to savings accounts
Percentages are illustrative averages. Your breakdown will reflect your actual spending.

What people discover in their analysis

The most common findings from AI spending analysis:

Subscription audit
The average American pays for 4–6 subscriptions they've forgotten about. Your analysis lists every recurring charge so you can cancel what you don't use.
Avg saving: $47/mo
Dining vs. groceries ratio
Most overspending happens at restaurants, not grocery stores. Your analysis shows the exact split and flags months where dining exceeded 15% of income.
Avg saving: $120/mo
Savings rate calculation
Your savings rate is total deposits to savings accounts ÷ total income. Most people don't know their actual rate — the analysis calculates it automatically.
Target: 20%+
Month-over-month change
Compare two months side by side to see exactly which categories increased. Useful for tracking whether spending habits are improving.
Trend visibility

Frequently asked questions

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 Sankey money flow diagram plus personalized savings tips.
Is my bank statement data kept private?+−
Yes. Your file is uploaded over HTTPS, processed by AI, and the original PDF is not stored. We never share your financial data with third parties. You can delete your analysis at any time.
What file formats are supported?+−
PDF bank statements work best — these are the files you download directly from your bank's website. We also accept JPG and PNG images of printed or scanned statements.
How many spending categories are there?+−
We use 19 categories: Housing, Food & Dining, Groceries, Transport, Shopping, Subscriptions, Healthcare, Insurance, Utilities, Entertainment, Travel, Education, Personal Care, Gifts & Donations, Pets, Kids, Investments, Transfers, and Other.
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, Commonwealth Bank, and thousands of banks worldwide.
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.
Can I export my spending analysis?+−
Yes. Every analysis includes a free CSV export with all categorized transactions. You can open it in Excel, Google Sheets, or import it into your own budgeting tool.

Analyze your spending — free

Upload your bank statement PDF and get a full spending breakdown in under 30 seconds.

Analyze My Spending Free →
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