AI Bank Statement Analyzer
Upload a bank statement — PDF or CSV, from any bank — and get categorized transactions, detected subscriptions, and plain-English spending insights in about 60 seconds. No bank login required.
What the analyzer finds in your statement
Every transaction, categorized
Each line of the statement is extracted and labeled — groceries, dining, transport, fees, income — so you see where the money actually went, not a wall of merchant codes.
Recurring charges surfaced
Subscriptions and memberships are detected automatically, including the annual renewals and price creep a manual skim misses. Most users find charges they'd forgotten about.
Anomalies and fees flagged
Unusual amounts, duplicate charges, and quiet bank fees are pulled out of the noise and flagged for review — the things worth catching early.
Plain-English insights
The analyzer doesn't stop at charts. It writes out what changed, what's costing you the most, and what's worth acting on — like a financial analyst reading your statement for you.
How it works
Download a statement
Grab a PDF or CSV statement from your online banking — checking, savings, or credit card. Any bank works.
Upload it
Drop the file into Ledger AI. The AI reads every transaction — dates, merchants, amounts — even from messy layouts.
Read your report
In about a minute you get a full report: categories, subscriptions, anomalies, and insights you can act on.
More than a PDF converter, safer than a bank-linking app
Generic PDF-to-Excel tools convert a statement's layout — you get raw rows and still face hours of cleanup and categorizing. An analyzer reads the statement's meaning: which column is the amount, which charges repeat, what category each merchant belongs to. (If a spreadsheet is genuinely all you need, here's how to convert a bank statement PDF to Excel or CSV.)
Budgeting apps that sync with your bank require handing your credentials to a third-party aggregator and keeping a live connection to your account. Ledger AI never touches your bank — it analyzes the statement file you already have, so your login stays yours. (More on why that matters.)
Typical first result: users find $150–300/month in forgotten subscriptions, duplicate charges, and category leaks on their first upload — here's how forgotten subscriptions hide in a statement.
Frequently asked questions
Is the bank statement analyzer free?
Yes — the free plan includes 3 statement uploads per month with full analysis: categorized transactions, subscription detection, and AI insights. Paid plans add more uploads and deeper features.
Do I need to connect my bank account?
No. Ledger AI works from the statement file itself — a PDF or CSV you download from your online banking. You never hand over your bank login, and there is no third-party connection to your account.
Which banks and countries does it work with?
Any bank, any country, any currency. Because it reads the statement document rather than connecting to the bank, it works with statements from US, Canadian, UK, European, Australian, and international banks alike — including credit card statements.
What file formats can I upload?
PDF and CSV. Both are analyzed the same way: every transaction is extracted, categorized, and checked for recurring charges and anomalies.
Is my financial data safe?
Statements are encrypted in transit and at rest, your data is never sold, and you can delete your statements and account at any time. Since there's no bank login involved, your credentials are never at risk.
Your statement already has the answers
Upload one and see your spending, subscriptions, and savings opportunities in about a minute. Free — no bank login, no card required.
Analyze my statement