Analyze your bank statement in 30 seconds

Upload any bank statement PDF. AI categorizes every transaction and shows you exactly where your money goes.

CSV exportSpot subscriptionsSaving tips
Drop your bank statements hereUpload your bank statements
or click to browse — PDF, JPG or PNG · multiple files supported
Free·No signup·PDF deleted after analysis
... statements analyzed
|See a live example →
See how it works

Your bank statement analysis 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

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 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.

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

Dining Out

$534

8.5% of total spending

Utilities & Bills

$387

6.2% of total spending

Health & Fitness

$312

5% of total spending

Shopping

$278

4.4% of total spending

Total Analyzed

$6,284

30s
average analysis time
99.2%
categorization accuracy
10,000+
banks supported
Works withChaseBank of AmericaWells FargoCitiCapital OneUS BankTD BankPNC& 10,000+ more

How it works

From PDF to full breakdown —
completely automated

No manual data entry — just upload your PDF and let AI do the rest.

Step 1

Upload your PDF

Drop any US bank statement — scanned image or text-based. Our OCR handles both automatically.

Step 2

AI categorizes everything

Our smart analysis engine reads each transaction, identifies merchants, and classifies spending into categories.

Step 3

Get clear insights

See your money flow, spending categories, trends, and personalized tips on where to save.

What you get

More than just categories —
real financial clarity

Subscriptions Detected
N
Netflix
$15.99/mo
S
Spotify
$9.99/mo
A
Amazon Prime
$14.99/mo
A
Adobe CC
$54.99/mo
H
Hulu
$7.99/mo
Monthly total$103.95/mo
NEW

Subscription tracker

AI automatically spots every recurring charge — Netflix, Spotify, gym memberships — and shows your true monthly subscription cost.

Savings Opportunities
Cut Dining Out Spend
You spent $340 at restaurants. Meal prepping 3x/week could save ~$120/mo.
Save $120/mo
Review Streaming Services
5 streaming subscriptions found. Rotating instead of stacking saves ~$45/mo.
Save $45/mo
Fuel Station Alternatives
Switching to a rewards card for gas could recover ~$18/mo in cashback.
Save $18/mo
NEW

Personalized savings tips

Based on your actual spending, AI identifies the top 3 areas where small changes could save you the most money each month.

Export your data
Report.pdf
Clean report · ready to share
PDF
transactions.csv
All transactions · Excel & Sheets ready
CSV
FREE

Export PDF & CSV

Download a clean PDF report to share with your accountant, or export all transactions as CSV to open in Excel, Google Sheets, or any app.

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • Sankey money flow
  • AI insights
  • CSV export
Start Free
Most popular
Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • AI-powered insights
  • 12 months history
  • CSV export
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic
  • Priority processing
  • Priority support
Start Pro

Works in any language

Upload bank statements from any country — AI reads Polish, German, French, Spanish and more

🇺🇸
WALMART SUPERCENTER
Groceries
🇩🇪
REWE MARKT MÜNCHEN
Groceries
🇫🇷
BOULANGERIE PAUL PARIS
Dining Out
🇵🇱
BIEDRONKA SP. Z O.O.
Groceries
🇪🇸
MERCADONA SUPERMERCADO
Groceries
🇬🇧
TESCO STORES LTD
Groceries

+ Arabic, Chinese, Italian, Dutch, Portuguese and more — our smart analysis engine handles it all

FAQ

Bank statement analysis FAQ

How does AI bank statement analysis work?+−
Upload any bank statement PDF — scanned or text-based. Our OCR extracts every transaction, then our smart analysis engine reads each description, identifies the merchant, and categorizes it into 19 spending categories like housing, food, transport, and entertainment. You get a full visual breakdown in about 30 seconds.
Is there a free bank statement analysis tool?+−
Yes! mybankstatementanalysis offers free bank statement analysis for your first 3 PDF pages every month — no credit card or account required. That's usually enough to fully analyze one month's statement. Paid plans start at $9/mo for 500 pages.
Which US banks are supported?+−
Our bank statement analysis software works with all major US banks — Chase, Bank of America, Wells Fargo, Citi, Capital One, US Bank, TD Bank, PNC, Ally, Marcus, and 500+ more. Canadian banks are also supported. If your bank provides a PDF statement, we can analyze it.
Can I use bank statement analysis for loan applications?+−
Yes. Many users run bank statement analysis for loan prep — it generates a clear spending report, income summary, and category breakdown that helps you understand your finances before applying. You can export your analysis as CSV.
Can I analyze bank statements in Excel?+−
While you can do basic bank statement analysis in Excel using templates, it requires hours of manual categorization. Our automated tool does the same work in 30 seconds using AI — and produces Sankey money flow charts that spreadsheets can't. You can export results to CSV for use in Excel.
What if my bank statement PDF is a scanned image?+−
No problem at all. Our built-in OCR engine handles scanned bank statement PDFs automatically — this is extremely common with US banks. The OCR converts the image to text before AI analysis runs.
How is my financial data protected?+−
We use AES-256 encryption at rest and TLS 1.3 in transit. Your bank statement data is never sold or shared with third parties. You can permanently delete all data from your account at any time.
What makes this the best bank statement analysis software?+−
Speed (30-second automated analysis vs hours in Excel), intelligence (AI categorization across 19 categories), and visualization (Sankey money flow diagrams showing where every dollar goes). Plus it's free to start — no other personal bank statement analysis tool offers this combination.

Try free bank statement
analysis today.

Upload your first 3 pages free. No credit card needed, no account required.

Analyze My Statement Free →
✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds