1. Home
  2. Tools
  3. Bank Statement Analyzer
  4. Bank statement spending analyzer

Bank Statement Spending Analyzer

Add your bank statements and see where the money went: spending by category, the largest payments, fees and the month by month trend. Worked out in your browser. Nothing is uploaded.

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?

    By | Last reviewed | Report a problem

    Advertisement

    How do I see where my money goes from a bank statement?

    Drop your statements in the box. The tool sorts every payment into a category by keywords in the description, then shows spending by category, the five largest payments, fees and a month by month chart. Lines it cannot sort go to Other.

    How it works

    How to analyze spending from a bank statement in 3 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 the statements

      Drop one or more months of one account, as PDF or CSV.

    2. Read the categories

      Spending by category shows the share of each category.

    3. Download the report

      The Excel report lists the category of every line, so you can sort and fix them.

    Tips

    Tips for spending analysis

    • Categories come from English keywords. Local shop names will often land in Other.
    • Transfers to your own accounts are not spending. Look at the Transfers category.
    • Use the Excel report to change categories and build your own summary.
    • Add several months to see what is regular and what is a one-off.
    More

    Other pages for this tool

    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 spending analyzer questions, answered

    Can I change a category?

    Not on the page. The Excel report has the category of every line, so you can change them there and use a pivot table.

    Does it work in other languages?

    The category keywords are in English. Other languages are read correctly, but more lines will land in Other.

    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.

    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.

    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.

    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.

    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.

    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.

    Need to send a file to someone?

    Upload it to FileXL and share a link, a short code or a QR code. Large files, no account needed.

    Send files with FileXL I have a code

    More from FileXL