Turn bank statements into
spend & cashflow insights.
Upload a bank or credit card statement PDF CSV XLSX or JSON. BankFlow extracts every transaction, categorizes the spend, and gives you cashflow views and Excel-ready exports. No bank connection, no column mapping.
Overview.
Spending and income across all accounts.
Total Spent
$14,180
Total Inflow
$22,940
Net Balance
$8,760
Cumulative Trend
Jan → today
Category spend.
Merchant heatmap
Top 7 merchants drive 71% of spend · biggest AWS · dominant Software
$3,210
AWS
12 txns · 34% of net flow
High spend$910
Notion
$640
Vercel
$380
$2,430
Stripe
Income$1,840
Upwork
Income$420
Spotify
RecurringAdobe
$380
Figma
$240
Built for statement layouts from banks around the world
Examples of institutions whose statement formats BankFlow is designed to process. BankFlow is not affiliated with or endorsed by the institutions shown.
Spend and cashflow analysis without building the workflow.
Accountants & bookkeepers
Replace statement entry with a review-and-export workflow.
See the accounting workflow →Businesses & finance teams
Turn transaction history into cashflow, category, and runway views.
Explore cashflow analysis →Analysts & advisors
Review income, merchant spend, and transaction patterns without building a pipeline.
Explore the workspace →Bank statement analysis shouldn't feel like a second job.
Finance teams, accountants, and founders lose hours every month wrestling with PDF exports, inconsistent formats, and manual categorization before the real work can even begin.
Row 148 of 1,240 entered
Hours of manual data entry
Copying transactions line by line from PDF statements wastes hours every week that could go into actual analysis.
The month closes late, every month
Messy, inconsistent PDFs
Every bank formats statements differently: scanned pages, rotated documents, and varying layouts break standard tools.
A new workaround for every account
Expensive reconciliation errors
Manual entry creates typos, missed lines, and duplicate entries that surface at month-end when it's too late.
Numbers you can't fully trust
BankFlow takes it off the keyboard. Upload the statement, get a checked ledger back, no bank login, no template to maintain.
From statement to usable data in three steps.
Drop the file
PDF, CSV, XLSX, or JSON from a broad range of banks and card issuers. We detect the layout automatically, with scanned and password-protected files supported.
We parse it
Tables, transfers, FX, and balances are extracted and auto-categorized. When balance data is available, totals are checked for mismatches.
Export anywhere
Clean CSV, XLSX, or JSON, an OFX/QBO file QuickBooks imports directly, or pull transactions straight from the API into your stack.
From a raw statement to a structured ledger.
24/10 STRIPE PAYOUT 4af2c9........4,820.00
23-10 AWS EMEA SARL us-east-1 1,204.00-
22 OCT WHOLE FOODS MKT #214 112.88
21/10 UBER *TRIP..............24.40
20-OCT-2025 GUSTO PAY 9931 18,440.00
[illegible: scan quality]
A ready-to-use analysis workspace.
Categories, merchants, review tools, cashflow views, and exports are already connected. Upload a statement and start analyzing.
Parse
Unfamiliar layouts, parsed.
Drop a PDF, CSV, XLSX, or JSON: tables, transfers, FX, and balances extracted in seconds.
Categorize
Auto-categorized.
Every transaction comes back tagged into clean, usable categories.
When description contains
Set
Automate
Rules that stick.
Match, tag, and scope rules, then run them across all your history.
Analyze
See where it goes.
Spend rolls up into a clean per-category breakdown the moment parsing finishes.
14.2mo
Net runway
21.8mo
Essentials
9.1mo
Full burn
Understand
Know your runway.
Net, essentials-only, and full-burn runway: the number founders actually care about.
Tags & merchant cleanup
Custom tags and merged duplicate merchant names.
Duplicate detection
Catches the same transaction across overlapping statements.
Recurring & subscriptions
Surfaces repeat charges and regular income automatically.
Forward-to-import inbox
Forward statement emails to your private import address.
CSV, Excel & QuickBooks export
Export exactly the rows you've filtered to, including an OFX/QBO file QuickBooks imports directly.
Balance checks
Opening/closing balance verification on every file.
Plan.
Where your money is headed: balance, run-rate, and runway.
Balance today
$48.2k
Monthly surplus
+$6.4k
Savings rate
34%
Emergency runway
7.5 mo
Your trajectory
Solid is where you've been; dashed is where your run-rate takes you.
Goals.
Add goalEmergency fund
by Mar 2027 · 9 mo left
Office move
by Oct 2026 · 4 mo left
From statements to a financial plan.
BankFlow turns parsed statements into the numbers owners and finance teams need: how long cash lasts, where it goes, and what changes under a different plan.
Three runway views
Net burn, essentials-only, and zero-income.
Monthly P&L from real statements
Income vs. expenses, month by month.
Custom views, or AI-grouped
Revenue and expense buckets, de-duplicated.
Forecast, goals & what-if
Project ahead, track goals, stress-test scenarios.
No new workflow to learn.
Import your way
Upload PDF, CSV, XLSX, or JSON directly, or forward statements to your private BankFlow email address.
Export where you work
CSV, Excel, and QuickBooks (OFX/QBO) export for every parsed statement: a single file or a bulk export, ready to drop into your existing workflow.
Build on top of it
A developer API and webhooks give you programmatic access to parsed statements and categorized transactions.
Every statement becomes a category breakdown, automatically.
Total spend from one example statement, categorized in seconds, not a customer average, just what parsing one month looks like.
Built for financial data.
BankFlow is engineered to handle sensitive financial records with encryption, reviewable outputs, and a privacy posture that puts you in control.
Import formats
Bank connections
Free credits
No card to start
AI parses, encryption protects
TLS protects data in transit, and managed storage providers encrypt stored data at rest: the AI never works on unprotected data.
A human stays in the loop
Every transaction is reviewable and correctable before export. The AI proposes; you approve.
Data stays under your control
Upload only the files you choose, review the results, and delete your records from settings.
Balance-verified accuracy
When statements include balance data, opening and closing totals are checked and mismatches are flagged for review.
Simple, transparent pricing.
Every plan includes every feature. You only pay for the number of credits you use each month: 1 credit ≈ 1 page.
Included in every plan
The full workflow, even on Free.
Plans differ by monthly page volume, not by locked features.
- AI statement parsing
- Password-protected PDF support
- PDF, CSV, XLSX & JSON import
- Email-forwarding import
- AI auto-categorization
- Rules & automation engine
- Merchant intelligence
- Cashflow & runway analytics
- CSV & Excel export
- Developer API & webhooks
*1 credit ≈ 1 standard page. Oversized pages and unusually heavy documents cost proportionally more. A typical monthly statement is just a few pages. Paid-plan credits reset each billing cycle; the Free plan's 50 credits are one-time per account. Purchased top-up credits roll over for 6 months.
Frequently asked questions.
Everything about accuracy, security, and how statements move through BankFlow. Still have a question? Check the docs.
Your spend and cashflow analysis is one upload away.
Upload a bank or credit card statement and move straight into categorized spend, merchant insights, and cashflow analysis.
No card required · 50 free credits