Bank statement analyzer
Read the story behind every statement.
BankFlow extracts transactions from your PDF statements, categorizes them, and turns them into spend rankings, recurring-charge detection, cash flow, and runway, not just a spreadsheet you still have to analyze yourself.
50 free page credits · No card · Cancel anytime
- PDF, CSV, XLSX & JSON
- Automatic categorization
- Cash flow & runway views
Your trajectory
Money flow
Create a view
Converting a statement is the easy half.
Most statement tools stop at extraction: you get a grid of dates and amounts and the analysis is still yours to do in Excel. The questions you actually have (what is this money going to, which charges repeat every month, how long does the balance last at this rate) take another few hours of pivot tables. BankFlow treats extraction as step one and ships the analysis with it.
How it works
From PDF to answers in four steps
- 1
Bring the statement in
Drag and drop a PDF, CSV, XLSX, or JSON file up to 50 MB, or forward the statement email to your private import address.
- 2
Extraction and validation
Transactions are read out of the document and opening and closing balances are checked automatically, with anything questionable flagged for review.
- 3
Categorization
Each transaction is matched to a merchant, a category, and a subcategory. Your own rules and manual overrides always win over automated guesses.
- 4
Analysis
The dashboard fills in: spend by merchant and category, recurring charges, income vs. expense by month, net cash flow, and runway.
What the analyzer actually gives you
Every statement you add feeds the same live workspace, so analysis gets richer as your history grows.
Merchant intelligence
A directory of merchants ranked by total spend, transaction count, or average order size, with a drilldown showing monthly trend, category mix, and every matching transaction.
Recurring & income detection
Subscriptions, standing charges, and regular income are surfaced automatically as soon as a statement finishes parsing.
Category & spend breakdown
Spend split by category and subcategory, with the ability to exclude transfers and one-off outliers from totals without deleting them.
Cash flow, runway & forecast
Net, essentials-only, and full-burn runway; a monthly P&L from real statement data; a Sankey view of where money flows; and a projected balance timeline.
Rules that stick
Build a matching rule once (inclusion phrases, exclusion keywords, merchant scope) then run it retroactively across all your history.
Balance checks on every file
Opening and closing balances are reconciled against the extracted rows so you find a parsing gap during review, not during close.
What gets analyzed
The fields the analyzer derives from a parsed statement.
| Signal | How it is produced |
|---|---|
| Merchant | Narration text is normalized into a canonical merchant, so the same vendor written six ways still ranks as one line. |
| Category & subcategory | Assigned automatically, overridable by hand, and lockable through rules that apply to all past and future transactions. |
| Recurring charges | Detected from repeating merchant-and-amount patterns across months of statement history. |
| Income | Regular incoming payments such as salary are identified separately from one-off credits. |
| Net cash flow | Income minus expenses per month, with excluded transactions (transfers, personal loans) kept out of the totals. |
| Runway | Calculated three ways (current burn, essentials only, and zero-income) so you see both the floor and the ceiling. |
FAQ
Common questions
What is a bank statement analyzer?
It is a tool that reads the transactions out of a bank statement and then interprets them: grouping spend by merchant and category, finding recurring charges, and calculating cash flow. A converter stops at extraction; an analyzer continues into the numbers.
Do I need to pick my bank or a template first?
No. BankFlow reads the document itself rather than applying a per-bank template, so there is no bank selection or setup step before your first upload.
Can it handle scanned or password-protected PDFs?
Yes. Scanned, multi-page, and password-protected PDFs are all supported, along with CSV, XLSX, and JSON files up to 50 MB.
How accurate is the categorization?
Automated categorization is a starting point, not a final answer, which is why every transaction stays editable and the ledger supports bulk recategorization. Once you correct something by hand or encode it as a rule, that choice is protected from later automated changes.
Can I still export the data?
Yes. Any view you have filtered down to can be exported as CSV or Excel, or as an OFX/QBO file that QuickBooks imports directly.
How many statements can I analyze for free?
New accounts get 50 free page credits with no card required, which is enough to run several months of statements through the full workflow before deciding.
Keep exploring
Live example
A real Bank of America statement read into transactions you can trace back to the page.
Bank Statement Parser
Turn PDF statements into structured, validated transactions.
Credit Card Statement Parser
Extract transactions from credit card statement PDFs.
Bank Statement → Excel
Download a clean XLSX of every parsed transaction.
Bank Statement → QuickBooks
Categorize first, then export an OFX/QBO QuickBooks imports.
Statements in. Insight out.
Upload one statement and see the categorized ledger, merchant rankings, and cash flow view built from it.