Quick Answer
A bank statement analyzer reads the CSV export from your checking account or credit card, categorizes every transaction, charts your monthly cashflow, and flags recurring charges so you can find subscriptions you forgot about. Our free version does all of it inside your browser — you drop the file, the analysis runs locally, and your bank data never leaves this tab. It is a privacy-first alternative to paid budgeting apps like Monarch ($99/year) or Rocket Money, which ask you to hand over bank credentials or upload statements to a server.
How It Works
Export a CSV from your bank or card (statements or transactions page), then drop it on this page — or click "Load sample statement" to explore with realistic demo data
Confirm the column mapping: date, description, and amount (or separate debit/credit) columns are auto-detected and validated, with a mapping screen and a 5-row preview if your bank uses unusual headers
Review the results: summary cards, monthly cashflow chart, spending by category with shares, and the subscription audit showing cadence, monthly cost, annualized cost, and next expected charge
Tune and export: add keyword rules or override individual transaction categories, then download the categorized CSV — everything ran locally and your bank data never left this tab
Key Facts
- Works with CSV exports from any bank or card: columns are auto-detected, with a mapping screen when headers are unusual
- Handles single signed amount columns or separate debit/credit columns, amounts with $, commas, and (parentheses)
- Understands common date formats: ISO (YYYY-MM-DD), M/D/YYYY, D/M/YYYY, and written dates like "Jan 15, 2026"
- Sorts spending into ~14 categories — Groceries, Dining, Subscriptions, Utilities, Rent/Mortgage, Insurance, Gas, Transport, Shopping, Entertainment, Health, Travel, Income, Transfers — using editable keyword rules you can extend
- Subscription and recurring-charge detector: finds merchants charged at weekly, monthly, or ~30n-day intervals with similar amounts, then estimates monthly and annualized cost
- Monthly cashflow chart, category breakdown with share percentages, and a full transactions table with per-row category overrides
- Export the categorized transactions as CSV, or start from a realistic 120-row sample statement
- 100% client-side and free — no sign-up, no bank login, no upload; your statement data never leaves this browser tab
Frequently Asked Questions
Is my bank data private when I use this tool?
Yes, completely. The analyzer runs entirely in your browser with JavaScript: the CSV is parsed, categorized, charted, and exported locally, and nothing is ever uploaded, stored, or sent to a server. Unlike app-based budgeting tools, there is no account to create and no bank credentials to share — you can go offline after the page loads and everything still works.
Which banks and CSV formats are supported?
Any bank or card that exports CSV with a header row — Chase, Bank of America, Wells Fargo, Capital One, Amex, Schwab, most credit unions, and non-US banks too. The tool auto-detects the date, description, and amount columns by header names and validates the values; it handles a single signed amount column or separate debit and credit columns, amounts written as $1,234.56, -25.00, or (25.00), and ISO, M/D/YYYY, D/M/YYYY, or written dates. If detection is unsure, a mapping screen lets you pick the columns yourself with a preview of your data.
How does the subscription and recurring-charge detection work?
Transactions are grouped by a normalized merchant name (lowercased, with reference numbers like #1234, masked card digits, and dates stripped). A group is flagged recurring when it has at least 3 charges of similar amounts (within ±10%) spaced at clean intervals — roughly weekly, biweekly, 25–35 days, or multiples of ~30 days (every 2 months, quarterly, yearly). For each one you get the cadence, average amount, estimated monthly and annualized cost, and the next expected charge date. Merchants matching known subscription keywords that do not fit the pattern are still listed as "possible" subscriptions.
Is this really free compared to Monarch or Rocket Money?
Yes — free with no account, no trial, and no limits. Monarch Money charges $99/year and Rocket Money pushes a paid premium tier, and both require connecting your bank accounts to their servers. This tool takes the simpler path: export a CSV from your bank, drop it in, and get categorized spending, cashflow charts, and a subscription audit locally. If you want the resulting data in a spreadsheet or another app, export the categorized CSV.
Can I fix or customize the spending categories?
Yes. Categories are assigned by keyword rules that you can extend: add a rule like "costco → Groceries" or remove rules you do not need, and rules you create are saved in your browser. You can also re-categorize any single transaction from a dropdown in the transactions table, and manual overrides stick even when you edit rules. When you are done, export everything as a categorized CSV.