CSV / Excel / PDF — One or more files (click or drag & drop)
Just want to remove the password from a PDF and download a plain copy — without running any bank-statement analysis? Use this on its own.
What Is an AI Bank Statement Analyzer?
An AI bank statement analyzer reads the transactions in your bank statement and automatically works out the numbers a lender, DSA, or you yourself would otherwise have to calculate by hand — average bank balance, EMI history, salary credits, bounced payments, and recurring debits. This bank statement analyzer supports PDF, Excel, and CSV bank statement formats, and does the full income-expense analysis in seconds instead of the hours it takes to go through a statement line by line.
How Bank Statement Analysis Works Here
- Upload your bank statement — PDF, Excel, or CSV — including multiple files at once if your statement is split across several exports.
- Parsing: the tool reads every transaction — date, description, debit, credit, and running balance — regardless of which bank's format it's in.
- Analysis: it calculates 6-month and 12-month average bank balance (ABB), flags bounced/returned transactions, tracks EMI and salary month-by-month, and surfaces recurring debits.
- Report: review everything on-screen, or download it as a formatted Excel sheet or PDF report.
Supported Formats
This bank statement PDF analyzer, bank statement Excel analyzer, and bank statement CSV analyzer are all built into one tool — upload whichever format your bank gives you, including password-protected PDF statements.
What This Bank Transaction Analyzer Checks
EMI Tracker & EMI Analysis
Every recurring, consistent-amount debit is grouped as an EMI, with a month-by-month Paid / Bounced / Pending status — so a missed or bounced installment is just as visible as a paid one, never hidden.
Salary Tracker
Salary credits are tracked month-by-month as Received or Pending — based only on what the statement's own transaction narration says, never guessed from the amount alone.
Bounce Detection & Recurring Transactions
Cheque bounces, ECS/NACH returns, and insufficient-funds entries are flagged automatically, alongside any other amount that keeps recurring — useful as a personal finance analyzer for spotting subscriptions or recurring bills too.
Monthly Expense & Income Analysis
Total income and expenses, month-wise balance trends, and frequent counterparties are all part of the standard analysis — a straightforward monthly expense analysis without needing a separate spreadsheet.
Privacy & Data Security
Bank statements are sensitive — here's exactly what happens to yours:
- PDF and Excel files are sent to our server to be parsed. They're held in server memory only for the duration of that request and are not written to disk.
- CSV files are parsed entirely in your own browser and are never uploaded anywhere.
- This tool does not provide financial, credit, or investment advice — it presents what's already in your own statement.
Frequently Asked Questions
Which bank statement formats does this tool support?
PDF, Excel (.xlsx/.xls), and CSV — including password-protected PDFs — and you can upload multiple files at once if your statement was exported in separate parts.
What happens to my bank statement after I upload it?
PDF/Excel files are parsed on our server in memory only, for that one request, and aren't saved to disk. CSV files never leave your browser.
How does EMI tracking work?
It looks for debits of a consistent amount recurring on a consistent day each month, and shows Paid, Bounced, or Pending for every month in your statement's own period.
How does salary tracking work?
Only credits whose own narration says "salary", "sal", "payroll", "wages", or similar are tracked as salary — nothing is inferred just from a large recurring amount.
Is this bank statement analyzer free to use?
Yes — it's free to use and doesn't require signup.
Can I upload more than one bank statement file at a time?
Yes — if the date ranges overlap between files, duplicate transactions from the overlap are removed automatically so nothing is double-counted.
Once you're done here, you can also read more on our blog, check our pricing, or see the full LoanScan Pro tool suite.