Bank statement analyzer
Drop up to two years of PDF statements and see where the money went: spending by category, money in and out by month, the payments that repeat every month, the fees, and the income figure a bank-statement lender would compute. All of it is worked out in your browser. Free, no account, nothing uploaded.
Categories
Every transaction is sorted into one of fifteen categories from its description: Housing, Groceries, Restaurants, Car and fuel, Subscriptions, Transfers out, Transfers in from your own accounts, Client payments and income, Fees, Insurance, Utilities, Shopping, Health, Travel, and Everything else. The sorting uses a table of common US merchants and patterns (the grocery chains, the gas station brands, the streaming services, the words banks use for transfers and fees), not a guess from an AI model, so the same description always lands in the same place.
Where the table is wrong, change the category on any one row and every row with the same payee follows. A year of "SQ *JOES COFFEE" moves from Everything else to Restaurants in one click. Your corrections carry into the Excel and CSV export.
Monthly totals and charts
Three charts sit above the rows. Money in vs out, by month puts each month's credits next to its debits, so a month where you spent more than came in stands out at once. Spending by category shows the share of each category over the whole period. Balance over time draws the running balance from the first statement to the last, which is the quickest way to see how close to zero the account runs and on which dates.
The rows themselves are searchable. Type a payee or a word and the table narrows to matching rows with their dates, amounts and the page of the statement they came from. The page number in each row is a link that opens that page of the PDF.
Recurring subscriptions
The analyzer finds payments that repeat every month and lists them with the usual amount, the day of the month they land, and how many of the months they appeared in. The rule is specific: the same normalised payee, an amount within 5% of the usual one (so a price rise of a dollar still counts as the same subscription), roughly monthly spacing, and at least three occurrences across at least three different months. Two charges in the same month are not treated as a subscription, and a payee that appears only twice is not yet a pattern.
This catches the usual suspects (streaming, cloud storage, apps, gym memberships, insurance premiums) and the ones that hide: an annual plan that was quietly switched to monthly, a trial that never got cancelled, two accounts paying for the same service.
Spotting fees
Bank fees have their own category, and overdraft and NSF fees get special treatment in the lender view, where they are counted with their dates and amounts. The detection is by wording: "overdraft", "insufficient funds", "returned item", and "NSF" as a whole word, so the letters inside "transfer" do not trigger it. Monthly maintenance fees, wire fees and out-of-network ATM fees land in Fees.
The lender view
Self-employed people who apply for a bank-statement mortgage are judged on their deposits, not their tax returns. The lender view shows what that calculation looks like on your own statements: all deposits per month, the ones a lender leaves out (transfers from your own accounts, refunds and reversals, any single deposit above 150% of your monthly average), the eligible total divided by 12 or 24 months, and the income after an expense factor you can set between 10% and 50% for a business account. Below the numbers are the flags a lender will raise: large deposits that need a source letter, overdraft and NSF fees, how much deposits vary month to month, gaps between statements, and the lowest balance.
The arithmetic is spelled out on the loan calculator page, and the guide to what lenders look for explains why each flag exists. The figure is an estimate for your own preparation, not a lender's decision; every program sets its own rules.
Free and private
There is no account, no subscription and no paid tier. The analysis runs in your browser: the page loads a PDF text library and the parser, and from there your statements are read, categorised and charted on your own computer. No statement, row, amount or description is sent anywhere. The only thing that leaves is a content-free usage event (how many files, how many rows, whether the balances added up), listed field by field on the privacy page. Reload the page and everything is gone.
Two limits. The tool reads text-layer PDFs, the kind your bank's website produces; scanned or photographed statements are not supported yet. And password-protected PDFs are skipped until you save a copy without the password.
How to start
Download your statements as PDF from online banking (the bank guides for Chase, Bank of America, Wells Fargo, Capital One and American Express say where to look), then drop them on the home page. Twelve months is enough for every chart; twenty-four gives the lender view its longer window. If you would rather see it first, the home page has a sample set of twelve synthetic statements you can load with one click.