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Bank Statement Analyzer
Find out where your money goes. Export your transactions as a CSV from online banking and drop the file here. The analyzer sorts every transaction into a category by keyword and shows spending by category, month and merchant. The file is read in your browser and never leaves your device.
Last updated:
Money in–
Spending–
Net–
Avg spending / month–
Transactions–
Spending by category
Top merchants
Monthly spending by category
Edit category keywords
One category per line: Category: keyword, keyword, …. Keywords match the start of a word in the description, ignoring case, and the first matching line wins. Money coming in goes to Income unless it matches Transfers.
Transactions
| Date | Description | Category | Amount |
|---|
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How to use the Bank Statement Analyzer
- Export your transactions from your bank or card website as CSV (sometimes called “Download for Excel” or “Comma separated”). Choose a few months for a useful picture.
- Drop the file onto the box (or several files with the same layout) or paste the CSV text. A sample statement loads first so you can see how it works.
- Check the columns: the analyzer guesses the date, description and amount columns. Fix them if needed, and switch the sign if your card export shows purchases as positive numbers.
- Review the categories. Click a category bar to list its transactions, change any category from the table, or edit the keyword rules.
- Download the categorized CSV or the monthly summary to use in your budget.
What the analyzer calculates
| Figure | How it's worked out |
|---|---|
| Money in | Sum of all positive amounts (deposits, pay, refunds), excluding transfers when that option is on |
| Spending | Sum of all negative amounts shown as a positive number, excluding transfers when that option is on |
| Net | Money in − spending. Positive means you took in more than you spent |
| Average spending per month | Spending ÷ the number of months between the first and last transaction (at least one) |
| Category share | Category spending ÷ total spending × 100 |
| Top merchants | Spending grouped by a cleaned-up merchant name (card prefixes, store numbers and reference codes removed) |
Common bank CSV layouts
| Layout | Example columns | Setting |
|---|---|---|
| Single signed amount | Date, Description, Amount (−42.10 for a purchase) | Amount column, “Spending is negative” |
| Card export with positive purchases | Transaction Date, Description, Amount (42.10 for a purchase) | “Spending is positive (card)” |
| Separate debit / credit | Date, Details, Debit, Credit, Balance | Debit as Amount, Credit as Credit column |
| Day-first dates | 05/09/2026 meaning 5 September | Date format DD/MM/YYYY (auto-detected when a day is above 12) |
Tips for a useful spending review
- Use at least three months. One month is easily skewed by an annual bill or a holiday. Three to six months shows your real pattern.
- Clear out “Other”. Filter by Other, spot repeat merchants, and add their names as keywords so the next analysis is automatic.
- Look for subscriptions. Small recurring charges add up. The Subscriptions category and the merchant list make forgotten ones easy to find.
- Compare with a budget rule. Put the category totals into needs, wants and savings to compare with a 50/30/20 budget.
- Check cash and ATM withdrawals. Cash spending is invisible after the withdrawal, so note what it was for if it's a large share.
Frequently asked questions
Is it safe to analyze my bank statement here?
Yes. The CSV file is read by JavaScript inside your browser and is never sent to a server. There is no account and no bank login. Your edited keyword rules and settings are saved in this browser, but your transactions are not. For extra peace of mind, remove account numbers from the file before opening it.
How do I get a CSV file from my bank?
Sign in to online banking, open the account's transaction history, pick a date range and look for Download, Export or the download icon. Choose CSV, Comma Separated Values or Excel/spreadsheet format. Many credit card sites offer the same option. PDF statements can't be read directly; use the CSV export instead.
How are transactions categorized?
Each description is checked against keyword lists, for example “kroger” or “supermarket” for Groceries and “netflix” for Subscriptions. The first matching category wins, money coming in counts as Income, and anything that matches nothing goes to Other. You can edit the keywords or change a single transaction's category.
Why are some rows skipped?
Rows without a valid date or amount are skipped. These are usually opening and closing balance lines, page totals or notes that banks add to the export. The status line shows how many rows were skipped.
My purchases show as income. What do I do?
Some credit card exports list purchases as positive numbers and payments as negative. Set “Single amount column” to “Spending is positive (card)” and the signs flip. If your file has separate Debit and Credit columns, choose the debit column as Amount and the credit column as Credit.
Why leave transfers out of spending?
Moving money to savings, paying your own credit card or sending money between your accounts isn't spending; the actual purchases show up elsewhere. Counting them would double-count your spending, so they are excluded by default. Untick the option to include them.
Can I analyze several months or accounts at once?
Yes. Select several CSV files with the same column layout at the same time (for example, one file per month) and they are combined. For different banks with different layouts, analyze each file separately.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.
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