This free AI bank statement analyzer reads a single page of your bank or card statement and instantly sorts every transaction into clear categories. Upload an image or a document (PDF, CSV, or Excel), or paste your transactions, and see your total spend, a category-by-category breakdown, your biggest merchants, and a few plain-language insights. It is the fastest way to understand where your money actually goes, with no signup and nothing stored on our servers.
Free spending analysis. Upload a statement — image (PNG/JPG/WebP) or document (PDF, CSV, Excel), up to 5 MB. Documents are parsed in your browser; a single-page statement is analyzed in full, and a multi-page one shows a free preview. To analyze every statement automatically, connect Auritrack below.
Drop a statement page or click to browse
Image or document — PNG, JPG, WebP, PDF, CSV, or Excel, up to 5 MB
Parsed in your browser. Single-page statements analyzed in full; multi-page ones show a free preview.
Documents (PDF, CSV, Excel) are parsed in your browser — only the first page’s text is sent to categorize the transactions, and it is not stored on our servers. Close this tab and nothing is kept.
Pick how you want to share one statement page: upload an image or a document (PDF, CSV, or Excel), or switch to paste mode and drop in plain-text transactions.
Upload an image (PNG, JPG, WebP) or a document (PDF, CSV, TSV, TXT, XLS, XLSX) up to 5 MB, or paste up to 40 transactions. Documents are parsed in your browser, and only the first page is analyzed.
The analyzer reads each transaction and sorts it into categories like Groceries, Transport, Bills & Utilities, Subscriptions, and Income.
See your total spend, a category breakdown with amounts and percentages, your top three categories, your biggest merchants, and a few AI insights.
Copy the analysis as a ready-to-paste prompt, create a free account, and paste it into the in-app chat to keep analyzing every statement automatically.
A spending analysis takes the raw list of transactions on a statement and turns it into a picture you can read in seconds. Instead of scrolling through dozens of cryptic merchant names, you get a total for the page, a breakdown of how that total splits across categories like Groceries, Transport, and Subscriptions, and the percentage each category represents. That is the difference between knowing you spent money and knowing where it went. Most people are surprised by at least one category once they see it laid out: dining that quietly outgrew groceries, or a cluster of small subscriptions that add up to more than a utility bill. Seeing the top three categories side by side is usually enough to spot the one worth changing first.
Bank statements are written for banks, not people. A single coffee can show up as a string of card-network codes, a location, and a reference number. The AI in this tool reads each of those lines and infers what it really is, mapping it to a fixed set of categories so your totals stay consistent. It recognizes common merchants, interprets the context around a charge, and separates money going out from money coming in, so a payroll deposit is treated as income rather than spending. Because the categories are a fixed list, the same merchant lands in the same bucket every time, which is what makes the percentages meaningful. The AI handles the reading and labeling; the math — totals, percentages, and merchant grouping — is calculated precisely from the amounts it extracts. If a single label looks off, it is easy to see, because everything is shown transparently rather than hidden behind a score.
This free tool is deliberately scoped to a single statement page — one image or document, or up to forty pasted transactions. That is enough to understand a month at a glance and to see exactly how the categorization works before you commit to anything. Running AI across every page of every statement, every month, is a different job, and it is the job the Auritrack app is built for. Where this page gives you a one-time snapshot, the app gives you continuous tracking: it categorizes new transactions as they happen, watches for recurring charges, and keeps a running view of your spending over time. If you find yourself wanting to analyze the second page, that is the signal that you have outgrown a one-page tool. Pair a full picture of your spending with our subscription tracker to catch the recurring charges that are easiest to forget, and our receipt scanner to capture cash and card purchases that never make it onto a statement in a readable form.
Financial data deserves care, and this tool is built to hold as little of it as possible. Documents you upload — PDFs, CSVs, and spreadsheets — are parsed right in your browser, so the raw file never leaves your device; only the first page of extracted transaction text is sent. Whether you upload an image, a document, or paste text, that data is sent to our server only long enough to categorize the transactions, and it is not written to any database or stored afterward. Close the tab and there is nothing left behind on our side. If you prefer to share even less, the paste option lets you include only the transaction lines you choose, leaving out account numbers, balances, and anything else printed on the page. A good habit before uploading any statement image is to crop or cover your full account number and any personal details that are not needed for categorization — the tool only needs the dates, descriptions, and amounts. Privacy and usefulness are not in tension here: the analyzer works perfectly well on a page that has been trimmed down to just the transactions.
An analysis is only useful if it changes what you do next. Once you can see your category breakdown, the natural next step is to turn those real numbers into targets. If groceries came in higher than you expected, set a number you want to hold to next month; if subscriptions crept up, decide which ones to keep. The most reliable way to do this is to start from what you actually spent rather than a generic template, and our budget planner is designed to take those category totals and shape them into a plan you can live with. Analyze a page here to see the truth of where your money goes, set category targets in the budget planner, and then let ongoing tracking keep you honest. A single page of analysis is a starting point; a repeatable habit of reviewing, budgeting, and adjusting is what actually moves your finances forward.
Upload receipts and let AI extract amounts, dates, and merchant info instantly. More accurate than traditional OCR.
List all your recurring subscriptions, see monthly and yearly totals, and get AI-powered spending analysis.
Describe your situation and let AI build a personalized monthly budget instantly. Or do it yourself with the 50/30/20 rule, custom ratios, or zero-based budgeting.
See Where It Goes
This tool reads one page. Auritrack reads them all — categorizing every transaction, flagging recurring charges, and showing you where your money goes each month with AI. Supports all currencies with live exchange rate conversion. Free to start.
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.
