Transaction categorization

Upload your bank statement PDF and AI instantly categorizes every transaction — groceries, dining, subscriptions, transport, and 15 more. No manual work. No spreadsheets.

CSV & Excel exportAI categorizationSpot subscriptions
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Free·No signup·Deleted after analysis
... statements analyzed
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See how it works

Spending breakdown

Every dollar, in its place

AI reads your transactions and assigns each one to the most accurate category — no guesswork, no manual tagging.

Spending Breakdown

February 2026 · 10 categories

🏠
Housing & Rent$2,100
33% of total
🛒
Groceries$892
14% of total
🚗
Transport$645
10% of total
🍽️
Dining Out$534
8% of total
📱
Subscriptions$387
6% of total
💊
Healthcare$290
5% of total
🎬
Entertainment$243
4% of total
🛍️
Shopping$198
3% of total
⚡
Utilities$167
3% of total
📚
Education$124
2% of total
Total analyzed$5,580

Raw bank data → Categorized

WFM #0472 AUSTIN TX
Groceries
NETFLIX.COM 866-579-7172 CA
Subscriptions
SHL*SHELL OIL 57543987302
Transport
UBER* EATS PENDING
Dining Out
CVS/PHARMACY #04231
Healthcare
19
spending categories
95%+
categorization accuracy
30s
average time to categorize
10K+
banks supported

Full coverage

All 19 transaction categories

Every transaction you make fits into one of these — AI picks the most accurate one automatically.

Groceries
Dining Out
Transport
Shopping
Housing & Rent
Utilities
Subscriptions
Healthcare
Entertainment
Travel
Business
Income
Transfers
ATM
Fees & Charges
Insurance
Education
Personal Care
Other

Your categorized transaction report

mybankstatementanalysis.com/results

Account Balance

$2,165.63

Feb 1Feb 8Feb 15Feb 22Feb 28

Total Spent

$6,284.37

~$224/day avg

Savings Rate

25.6%

78/100
GoodFinancial Health
Savings Rate25.6%
Spending ControlGood
Subscription Load$50/mo
Emergency BufferLow

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Total Analyzed

$6,284

30s
average categorization time
95%+
categorization accuracy
19
spending categories

How it works

Categorized in three steps

1

Upload your bank statement

Drop any PDF — scanned or digital. Works with every bank worldwide.

2

AI categorizes every transaction

AI reads each line and assigns the most accurate spending category.

3

See your full breakdown

Visual breakdown, category totals, subscriptions, and savings tips.

Categorizes transactions fromChaseBank of AmericaWells FargoBarclaysHSBCCitiTD Bank& 10,000+ more

What you get

More than just categories —
real financial clarity

Subscription tracker

Find the charges you forgot about

Detected Subscriptions

$46.98/mo recurring

N
Netflix

Netflix

MonthlyMar 15, 2026

$15.99

S
Spotify Premium

Spotify Premium

MonthlyMar 22, 2026

$10.99

C
ChatGPT Plus

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

AI scans every transaction and automatically flags recurring payments. Most people discover at least one subscription they'd forgotten — and cancel it the same day.

  • 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

AI Insights

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%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

Get a personalized breakdown of your spending habits, trends, and anomalies. AI reads every transaction so you don't have to — and tells you what actually matters.

  • Highlights unusual spending spikes instantly
  • Tracks month-over-month trends automatically
  • Summarizes your financial health in plain English

Smart recommendations

Not generic tips — your tips

Savings Opportunities

Reduce dining out frequency$180
Bundle streaming services$12
Switch to cheaper gas$35
Total per month$227

Every recommendation is generated from your actual transactions. If you spent $340 on restaurants this month, AI tells you exactly what that means and what to do.

  • Based on your real spending patterns
  • Specific dollar amounts, not vague advice
  • Actionable in under 5 minutes

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
Start Free
Most popular
Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
Start Pro

FAQ

Transaction categorization FAQ

What is automatic transaction categorization?+−
Automatic transaction categorization is the process of using AI to read each line of your bank statement and assign it to a spending category — like Groceries, Dining Out, Transport, or Subscriptions — without any manual work. Instead of looking at hundreds of cryptic merchant codes, you see a clean breakdown of where your money went.
How accurate is the AI categorization?+−
Our AI correctly categorizes 95%+ of transactions on the first pass. It recognizes thousands of merchants by name (Whole Foods, Shell, Netflix, Amazon, etc.) and infers the category from transaction descriptions when the merchant is unknown. You can see every categorized transaction and verify them yourself in the results.
What categories does it use?+−
We use 19 categories: Groceries, Dining Out, Transport, Shopping, Housing & Rent, Utilities, Subscriptions, Healthcare, Entertainment, Travel, Business, Income, Transfers, ATM, Fees & Charges, Insurance, Education, Personal Care, and Other. The AI assigns the most specific applicable category to each transaction.
Can it categorize transactions from any bank?+−
Yes. The AI works with bank statements from any bank worldwide — Chase, Bank of America, Wells Fargo, Barclays, HSBC, Deutsche Bank, ING, Santander, and thousands more. As long as you have a PDF statement, we can categorize it.
What if a transaction is categorized incorrectly?+−
The AI is highly accurate but not perfect — especially for unusual merchants or very generic transaction descriptions. You can see the full list of categorized transactions in your results to verify them. If something looks wrong, the category totals make it obvious.
How is this different from doing it manually in Excel?+−
Manual categorization in Excel takes hours — you have to read each row, decide the category, create formulas, and build charts. Our AI does all of that in 30 seconds: reads every transaction, assigns categories, calculates totals, and generates visual breakdowns and a Sankey money flow diagram automatically.
Is my bank statement data safe?+−
Yes. Your PDF is processed in real time and immediately discarded after the transactions are extracted. We never store your raw bank statement file. Only the categorized transaction data is saved to display your report.
Is transaction categorization free?+−
Yes — the first 3 pages of your bank statement are categorized for free, no signup or credit card required. Most single-month statements fit within that limit. Paid plans start at $9/month for larger volumes.

Categorize your transactions — free today.

Upload your bank statement and AI automatically categorizes every transaction. No spreadsheets, no manual work, no signup required.

Categorize My Transactions Free →
✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds