Automated AI categorization
Transaction categorization
Categorize bank transactions automatically from a PDF statement. AI reads each line , assigns a spending category , and prepares clean exports for analysis, bookkeeping, or accounting.
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
How automated transaction categorization works
Your bank statement is full of lines like POS 4829 TESCO EXTRA and DD REF NETFLIX.COM. Automated transaction categorization reads each line and assigns it a category — Groceries, Subscriptions, Dining — without you doing anything. If you need to categorize bank transactions from a PDF statement, this is the part that saves the manual work.
Before — raw statement
After — AI categorized
The AI recognises thousands of merchants — from global chains to local shops. It handles cryptic codes, abbreviations, and POS references that make manual categorization painful. 95%+ accuracy on the first pass for typical statement data.
Where automated categorization still needs judgment
Transfers and repayments
Payments between your own accounts often look like spending until context is applied. These are high-value rows to review first.
Mixed merchants
Amazon, big-box stores, and marketplaces can represent essentials, business costs, or discretionary spending. Category alone does not always tell the full story.
Business vs personal overlap
The model can categorize the merchant, but only you know whether the purchase should count as reimbursable, deductible, or purely personal.
Cash withdrawals and fees
ATM cash, service charges, and bank adjustments are easy to spot automatically, but you may still want to relabel them for your own reporting logic.
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
- 50 transactions per document
- Auto-categorized transactions
- Money flow visualization
- Export to CSV, Excel, QIF, OFX & QBO
- 500 pages / month
- 100 transactions per document
- Everything in Free
- AI savings advisor chat
- Find hidden subscriptions
- 12 months history
- Everything in Basic
- Unlimited pages
- Unlimited transactions per document
- 5 image recaps / month
- Priority support
The best automated transaction categorization software
Most accounting software with automated transaction categorization — QuickBooks, Xero, YNAB — requires you to connect your bank account via Plaid or manually import CSV files. That means giving API access to your finances, or spending 20 minutes formatting data before the software even starts. If your real task is to categorize bank transactions from a statement PDF, that friction is the bottleneck.
AI, not rules
Reads merchant names like a human — not rigid keyword matching that breaks on new formats
PDF-first
Upload the statement directly — no bank login, no Plaid, no CSV reformatting
Any output format
Export categorized data to CSV, Excel, QIF, QBO, or OFX for any accounting tool
Our automated transaction categorization software takes a different approach: upload the PDF, AI categorizes everything in 30 seconds, and export to whatever format your bookkeeper needs. Works with any bank, any language, any format. First page free — no signup, no bank credentials.
Good use cases for categorize-bank-transactions workflows
Budget review
Use categorization to see where money is going before you build budgets, targets, or personal finance reports.
Bookkeeping prep
Use it as the first sorting pass before reconciliation, rules cleanup, or handoff to an accountant.
Trend analysis
Use category totals to compare months, find category creep, and identify recurring charges or merchant concentration.
Trust The Categorization
See what sits behind automated transaction categorization
These resources explain where categorization quality comes from: extraction quality, OCR quality, supported statement types, and how to compare AI-first workflows with manual spreadsheet cleanup.
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