Analyse a bank statement in seconds
Upload any bank statement PDF — scanned ones too — and get cash flow, income, spending categories, recurring payments and a reconciliation check. Your file is processed then deleted, never used to train AI.
A full read on the account, instantly
Cash flow
Money in vs out, by month, with your net position.
Income check
Detected salary and income, and how consistent it is.
Spending categories
Where the money goes, grouped and ranked.
Recurring payments
Subscriptions and regular debits, surfaced automatically.
Reconciliation health check
Confirms the running balance ties out — so the analysis is trustworthy.
What a bank statement analysis tells you
A bank statement is a month-by-month record of how an account actually behaves — but read line by line, the story is easy to miss. The analyser turns those rows into a picture: how much comes in and goes out each month, whether income is steady or lumpy, where the money is really spent, and which payments repeat. Instead of scrolling a PDF, you get the totals and trends at a glance.
It's the same read a lender, mortgage broker or bookkeeper does by hand. Lenders check that income is consistent and that spending leaves room to repay. Bookkeepers and accountants use it to spot recurring subscriptions, categorise expenses and sense-check a client's figures before they touch the books. The self-employed use it to understand their own cash flow before a tax return or a finance application.
Crucially, the analysis is only as trustworthy as the data under it. That's why every statement runs through the same reconciliation check as the converter — opening balance, plus credits, minus debits, against the closing balance. If the maths doesn't tie out, you're told, so you never base a decision on a misread figure. Upload a PDF — scanned copies included — and the breakdown is ready in seconds. Your file is processed and then deleted, and never used to train AI.
Questions about statement analysis
What does the bank statement analyser show?
Money in and out over the period, income identified and totalled, spending grouped into categories, recurring payments such as subscriptions and standing orders picked out, and a health check on the account. It runs on the same extraction as the converter, so the figures have been reconciled against the statement's closing balance first.
Do I need an account to analyse a statement?
No. Upload a PDF and the breakdown appears — no sign-up, no card. Scanned and photographed statements work too, through OCR.
Is this the same as a credit check?
No, and it is worth being clear about that. Nothing here touches a credit file, no search is recorded anywhere, and no score is produced. It reads the statement you upload and nothing else.
Can I use this for a mortgage or loan application?
You can use it to see what an underwriter will see — regular income, recurring commitments, and anything that would raise a question. The lender will run their own analysis on the statements you give them; this one is for reading your own first.
What happens to my statement afterwards?
It is processed and then discarded. It is not kept, not written to a database, and never used to train AI. Every sub-processor involved is named on the privacy page.