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Bank Statement Analyzer

Add your bank statements and see money in and out, the average daily balance, the lowest balance, the largest deposits and payments, spending by category and recurring payments. Everything is worked out in your browser, so your statement is never uploaded. The running balance is checked first.

Drop your bank statements here

PDF with selectable text, or a CSV from your bank. Add several months to see trends

    More options: dates, number style, credit cards
    Fixes

    Done on your device. Your statement is never uploaded to FileXL or anyone else.

    Found an error, or something was hard to use?

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    How do I analyze a bank statement?

    Drop your statement PDFs or bank CSV files in the box above, all months of one account together. The tool reads every transaction, checks the running balance, and then shows money in and out, the average daily balance, the lowest balance, the largest deposits and payments, spending by category and recurring payments. Download the Excel report or print the page as a PDF. Nothing is uploaded.

    One tool, many names

    Bank statement analyzer, average bank balance calculator, spending and income report: one free tool

    People look for this under many names: bank statement analyzer, average bank balance calculator, average daily balance from a bank statement, bank statement income calculator, bank statement spending analysis and find recurring payments in a bank statement. They all start with the same step: read the statement and add it up.

    This tool reads a PDF statement with selectable text, or a CSV from your bank. It finds each transaction, checks the running balance, and then works out money in and out, the average daily balance, the lowest balance, the biggest deposits and payments, spending by category, regular payments and fees. It shows charts and tables and makes an Excel report.

    Everything happens in your browser. The statement is not uploaded, so your name, account number and payments stay on your device. Add several months of one account to see trends and recurring payments.

    How it works

    How to analyze a bank statement in 4 steps

    No app, no account and no waiting. The statement is read in your browser, so you see the totals, the charts and the balance check straight away.

    1. Add your statements

      Drop PDF statements or bank CSV files in the box, or choose them from your device. Add three or more months of one account for the best result. Type the password if a PDF asks for one.

    2. Read the check

      The note above the results says whether the running balances add up. If not, the numbers below may be off. Fix the date or number settings under More options.

    3. Look at the results

      Cards, charts and tables show the balance, money in and out, the biggest items, categories, recurring payments and fees.

    4. Save the report

      Download the Excel report, or press Print or save as PDF to keep the page.

    Uses

    What can a bank statement analysis show you?

    A statement lists every line but does not add anything up. An analysis totals it for you: where the money came from, where it went, how low the balance fell and which payments repeat. Here is where that helps most.

    Average balance for a loan or visa file

    Some lenders and offices ask for an average balance or a minimum balance over several months. This shows the average daily balance, the lowest balance and the month-end balances from your own statements. Check which method your lender uses.

    See where your income comes from

    Total money in per month, the biggest deposits and the deposits that repeat at a steady rhythm, so you can see how regular your income is.

    Find where the money goes

    Spending is sorted into categories such as groceries, rent, subscriptions and fees, with the largest payments listed on their own.

    Spot recurring payments

    Subscriptions, standing orders and direct debits that repeat every month are collected in one list with their total.

    Catch fees and overdrafts

    Fees, charges, overdraft and returned-item lines are added up, so a month of small charges does not go unnoticed.

    Small business cash flow

    Money in and money out for each month, the balance at the end of each month and the lowest point, from the statements you already have.

    Made for you

    Bank statement analysis for households, freelancers, small businesses and loan files

    Each group looks at a different part of the same report.

    Households and families

    Add twelve months of statements and see income, spending by category and the payments that repeat every month.

    Use the analysis setting

    Freelancers and gig workers

    See how irregular income really is, month by month, and which deposits are regular.

    Use the analysis setting

    Small business owners

    Cash in, cash out and the lowest balance for each month, with an Excel report you can share with your accountant.

    Use the analysis setting

    People preparing a loan or visa file

    Average daily balance, lowest balance and large deposits in one place, so you know the numbers before someone asks.

    Use the analysis setting

    Accountants and bookkeepers

    A quick first look at a client account: totals, trends, fees, large items and recurring payments, before the detailed work.

    Use the analysis setting

    Anyone who wants to spend less

    Find subscriptions you forgot, see what fees cost, and see how spending changes from month to month.

    Use the analysis setting
    Statement layouts

    Which bank statement layouts can it read?

    Banks lay out statements in many ways. This is what the reader looks for, and how each case is handled. It needs a PDF with selectable text. A scan or a photo has no text, and it is not supported.

    Statement layouts, an example of each and how they are read
    Layout in the PDFExampleHow it is read
    Separate money out and money in columns Date | Description | Withdrawals | Deposits | BalanceEach amount goes to the column it sits under.
    One amount column with a minus sign Date | Description | Amount | BalanceNegative is money out, positive is money in. The balance check confirms it.
    Amount with Dr or Cr 1,250.00 Dr 1,250.00 CrDr is money out and Cr is money in.
    Brackets for negatives (45.20)Treated as a negative amount, money out.
    Date only on the first line of the day 04 Mar 2024 on one row, blank on the nextRows without a date use the date above them.
    Dates without a year 01/15 or 15 JanThe year comes from the statement period, and rolls over December to January.
    Other number styles 1.234,56 or 1 234,56 or 1,23,456.78Decimal comma and Indian digit grouping are detected, or you can choose.
    Credit card statements Purchases shown as positive numbersDetected from the wording, or switch the direction with one tick box.

    Go straight to a page for the job you have: average bank balance calculator, bank statement income calculator, bank statement spending analyzer, recurring payments finder.

    Output formats

    What the analysis shows and how it is worked out

    Every number comes from the transactions that were read from your statement. This is how each one is worked out, so you can check it.

    Output formats, what each one contains and what it is good for
    ResultHow it is worked outGood for
    Money in, money out, net The sum of all credits and all debits that were read from the statements.A first look at cash flow
    Average daily balance The balance at the end of each calendar day from the first to the last transaction, averaged. Days with no transaction carry the previous balance.Loan and visa files. Lenders may use their own method
    Lowest and highest balance The smallest and largest end-of-day balance, with the date. Days below zero are counted.Minimum balance rules and overdraft checks
    Month by month Money in, money out, net, ending balance, average daily balance and lowest balance for each month.Trends and seasonal months
    Largest deposits and payments The five biggest single credits and the five biggest single debits.Explaining large items
    Recurring payments and regular deposits The same payee in at least three different months at a steady rhythm (monthly, every 2 weeks or weekly).Subscriptions, standing orders and regular income
    Spending by category Keywords in the description put each payment in a category. Anything with no match is Other.A rough picture of where the money goes
    Fees and charges Debits whose description mentions a fee, charge, overdraft, interest or penalty.Spotting bank charges
    Accuracy

    How the analyzer checks its own work

    No reader gets every layout right, and an analysis built on a misread row is wrong. So the tool shows its checks before the numbers.

    Checks the analyzer runs, how each works and what you see
    CheckWhat it doesWhat you see
    Running balance Adds each amount to the previous balance and compares it with the balance printed on the statement.A green or amber note at the top of the results
    Opening and closing balance When the statement shows them, checks that opening plus money in minus money out equals closing.A note with the difference when it does not match
    Day and month order Reads 03/04/2024 as 3 April or 4 March from the other dates. Asks you when it cannot tell.A note and a choice box under More options
    No balance on the statement Without a balance, the average and lowest balance cannot be worked out, and the tool says so instead of guessing.A note, and no balance chart
    Short statements Recurring payments need three months. With less, the tool says so.A note under the cards
    Guides

    How to analyze a bank statement: step-by-step guides

    Short answers to the jobs people ask about most.

    How to find your average daily balance from a bank statement
    1. Download the statements from online banking as PDFs with selectable text, or as CSV files.
    2. Drop all the months of one account in the box at once.
    3. Read the green or amber check note. If balances do not match, fix the settings first.
    4. Look at Average daily balance in the cards and the Month by month table.
    5. Download the Excel report if you need to send the numbers on.
    How to see your income and spending in a year
    1. Add twelve monthly statements of the same account.
    2. Read the Money in and money out chart to see which months stand out.
    3. Open Spending by category and the largest payments.
    4. Check Regular deposits to see which deposits repeat every month.
    How to find recurring payments and subscriptions
    1. Add at least three months of statements, more is better.
    2. Scroll to Recurring payments. Each line shows the payee, how often, the usual amount and the total.
    3. Look for payments you forgot. A payee whose amount varies is marked as varies.

    Quick tips

    • Compare the totals with your statement before you rely on the analysis.
    • Use statements of one account. Mixing accounts makes balances meaningless.
    • More months give better recurring-payment results.
    • Download PDFs from your online banking. Scans and photos have no text to read.
    • Keep the original statements. This is a working summary, not an official document.
    Privacy

    Private by design: your statement never leaves your device

    Most online bank statement analyzers upload your PDF to a server. This one does not. The statement is read by your own browser, so your name, account number and every payment stay on your device. The PDF reader (PDF.js, an open source library) is loaded from FileXL when you add a PDF, and your file is never sent anywhere. You can watch the network tab of your browser to check, or turn off your internet once the reader has loaded.

    Need to send a file to someone? Upload it with FileXL and share a link. The limit of this tool is scanned statements: a photo of a page has no text to read, and reading it needs OCR on a server, which would mean uploading it.

    FAQ

    Bank statement analyzer questions, answered

    Is this bank statement analyzer really free?

    Yes. There is no sign-up, no watermark and no limit on the number of statements, apart from a limit of 50 files and 50 MB each at a time. One small ad may be shown on the page.

    Is my bank statement uploaded to a server?

    No. The statement is read and analyzed in your browser. The PDF reader is loaded from FileXL when you add a PDF, and your file is never sent anywhere. You can check the network tab of your browser while you use the tool.

    How do I analyze a bank statement?

    Drop the statement PDFs or CSV files in the box. The tool reads them, checks the running balance, and shows totals, charts and tables below. You can download an Excel report or print the page as a PDF.

    How is the average daily balance calculated?

    The tool takes the balance at the end of each calendar day from the first to the last transaction. A day with no transactions keeps the balance of the day before. The average of those daily balances is the average daily balance. Lenders may use another period or method, so check what yours asks for.

    How many months should I add?

    One month gives totals and the balance. Recurring payments and regular deposits need at least three months, and the results get better with more. Add statements of the same account.

    How does it find recurring payments?

    It groups payments by the first words of the description, ignoring numbers. A group is shown when it appears in at least three different months at a steady rhythm: monthly, every two weeks or weekly. A payee whose amount changes is marked as varies.

    How are the spending categories decided?

    By keywords in the description, in English, for example grocery, rent, netflix or fee. A line with no match goes to Other. It is a quick guide and it will be wrong for some payees. The Excel report lists the category of every line so you can check.

    Can it tell me my income?

    It shows total money in, deposits that repeat at a steady rhythm, and deposits whose description has words like salary or payroll. It cannot know whether a deposit is income, a transfer or a refund, so treat the figures as a guide.

    Can I give the result to a lender or a visa office?

    It is not an official document. Many lenders and offices ask for the original statements from your bank. Use the analysis to understand your own numbers, and use the original statements for the application.

    What does the check note at the top mean?

    The tool adds each amount to the previous balance and compares it with the balance on the statement. If they all match, the amounts add up. If some do not, a row may be misread or missing and the numbers below may be off.

    Why is there no average balance?

    The statement prints no running balance and no opening balance, so the balance on each day cannot be worked out. Money in, money out, categories and recurring payments still work.

    Can it analyze a scanned or photographed statement?

    No. A scan has no text to read, and reading it needs OCR on a server, which would mean uploading the statement. Download the PDF from online banking, or ask your bank for a CSV.

    Can it open a password protected statement PDF?

    Yes. Type the password when asked. It is used in your browser only and is not stored or sent.

    Can I analyze several accounts at once?

    The tool treats all files as one account. If you add different accounts, the balances and averages are not meaningful. Analyze each account on its own.

    Can I use a CSV from my bank?

    Yes. The columns are guessed from the header row and you can change them. A CSV is the most exact source when your bank offers one.

    Does it work on a credit card statement?

    Yes. Purchases are counted as money out when the statement is read as a credit card statement. The balance on a card is what you owe, so read the balance figures with that in mind.

    Does it work on a phone?

    Yes, on a current browser. Large statements are faster on a computer.

    What is in the Excel report?

    A Summary sheet, a Monthly sheet, Categories, Recurring, Largest, and a Transactions sheet with the category of each line. The numbers are values, not formulas.

    How do I save the analysis as a PDF?

    Press Print or save as PDF, then choose Save as PDF as the printer in your browser. Only the results are printed.

    What if a number looks wrong?

    Check the note at the top first. Then compare the first and last rows with your statement in the Bank Statement to Excel tool, where you can edit rows. You can also use the feedback box on this page to tell us what went wrong.

    Sources

    Sources and further reading

    The PDF reader is an open source project. The other links explain terms used on this page, such as average daily balance. Read them for the full detail.

    About this tool

    Made and checked by the FileXL Team

    This bank statement analyzer is built and maintained by the , the people behind the FileXL file sharing service. We test it on many statement layouts, we check every figure against known totals, and we review this page and update it when browsers or statement layouts change. Layouts differ between banks, so always compare the result with your statement. The analysis is not financial advice and not an official lender document. Last reviewed 13 November 2026. Read more on the about page.

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