Chase Bank Statement Analyzer
A Chase bank statement analyzer that reads the statement file itself — no Chase login, no third-party bank connection. Download a checking, savings or Chase credit card statement as a PDF or CSV, upload it, and get every transaction extracted, categorized and checked for recurring charges in about 60 seconds.
How to analyze a Chase statement
Download your Chase statement
Sign in at chase.com, open the account, then Statements & documents. PDFs go back seven years; the Download account activity option exports the current window as CSV.
Upload the file
Drop the PDF or CSV into Ledger AI. Every transaction is extracted — dates, merchants and amounts in USD — even from multi-line and multi-column layouts.
Read your report
In about a minute you get categorized spending, detected subscriptions, flagged fees and anomalies, and written insights you can act on.
What makes Chase statements tricky
These are the layout quirks that break generic PDF-to-Excel converters — and what the analyzer does about them.
Credit card statements split spending by cardholder
Chase credit card PDFs group purchases under each authorized user before the totals. Converters that scrape rows top-to-bottom fold those sections together and silently duplicate the section subtotals as if they were transactions.
CSV activity exports aren't the same as statements
The Download account activity CSV covers a date range you pick, not the statement period, and credit card exports use a different column set than checking. Analyzing them side by side means reconciling two schemas — which is handled for you here.
Merchant strings are heavily abbreviated
Chase truncates descriptors, so the same merchant shows up as several different strings across months. Recurring-charge detection has to match on the merchant behind the string, not the raw text, or annual renewals get missed.
Pending vs posted transactions
Activity exports can include pending rows that later post with a different amount. Those are reconciled rather than counted twice.
Where to download your Chase statement
Sign in at chase.com, open the account, then Statements & documents. PDFs go back seven years; the Download account activity option exports the current window as CSV.
Frequently asked questions
Do I have to connect my Chase account?
No. You download the statement from chase.com yourself and upload the file. Your Chase username and password are never entered anywhere, and there is no ongoing connection to your account.
Does it work with Chase credit card statements?
Yes. Chase Sapphire, Freedom, Ink and co-brand card statements are all supported, in PDF or CSV. Card statements are usually the most valuable ones to analyze because that's where subscriptions live.
Can I upload several months of Chase statements?
Yes, and it's worth doing. Recurring-charge detection gets much more accurate across three or more statements, because annual and quarterly renewals only appear once in a single month.
What about Chase business checking statements?
Business statements work the same way, and the Business plan adds tax-category mapping for Schedule C so the export drops straight into your accountant's workflow.
Your Chase statement already has the answers
Upload one and see your spending, subscriptions and fees in about a minute. Free — no bank login, no card required.
Analyze my statement