Multi-Account Statement Analyzer for Recurring Bills and Money Leaks

• Analyze one or many statements together
• Use different PDF passwords per file when banks require it
• Find recurring debits, likely self-transfers, and month-over-month changes

• Text-based PDF statements
• Password-protected PDFs with per-file passwords
• CSV, TXT, or pasted transaction rows

• Recurring-payment dashboard
• Account comparison and transfer review
• Local XLSX Money Map report

• No bank login or account linking
• No statement upload endpoint
• PDF passwords are used locally to read files in the browser

Can I upload multiple banks with different passwords?

Yes. Add multiple files and use the per-file password field when each bank statement has its own password format.

Why are some rows labelled Unknown?

Statement formats vary. Unknown rows are kept visible so users can filter, review, correct categories, or exclude rows before exporting.

Does this replace accounting software?

No. It is a private review tool for recurring payments, transfers, and money-map cleanup, not accounting, tax, or financial advice.

Many people do not have one clean money source. Salary may arrive in one account, bills may go out from another, credit card payments may move through a third account, and wallets or UPI apps may create extra transfer rows. Reading one statement is slow. Reading several statements together is even harder because the same money can appear as both an outgoing debit and an incoming credit.

The analyzer looks for repeated debits, familiar obligation terms, account-level movement, likely internal transfers, and month-over-month changes so the user can review real spending more carefully. It is a first-pass organizer, not bank sync, accounting software, credit scoring, or financial advice.

• Likely EMIs, SIPs, NACH/ECS mandates, premiums, rent, and utility bills
• Account-by-account spend, income, recurring amount, and net cash flow
• Likely internal transfer rows for salary, card payment, wallet, or self-transfer review
• Month-over-month review for new, stopped, increased, and decreased payments
• Lifestyle subscriptions and small recurring debits
• Monthly recurring outflow and annual recurring cost
• Review candidates that should be labelled, kept, cancelled, or checked

Users can upload one or many text-based PDF statements, CSV files, TXT files, or paste copied statement text. Each imported file can be given a safe account label such as Salary account, Bills account, Credit card, Wallet, or Joint account. The app reads the content locally in the browser, detects transaction-like rows, groups repeated descriptions, compares the latest detected month with the previous detected month, estimates monthly and annual recurring amounts, and shows a dashboard for review.

When multiple accounts are imported together, the analyzer compares same-amount debit and credit rows close together in time and marks likely internal transfers. This helps avoid treating your own movement of money as spending. The tool works best when each row has a date, description, amount, and debit or credit marker. Scanned image-only PDFs need OCR before import because this app does not send files to a server for document processing.

• No bank login or account linking
• No statement upload endpoint
• Multiple statement files can be reviewed together
• Safe account labels help compare sources without full account numbers
• Current-month versus previous-month review
• Text-based PDF extraction runs locally
• Likely internal transfers are marked for manual review
• Manual review and correction controls
• XLSX report generated in the browser

After review, the user can identify payments to keep, payments to cancel, unknown items to label, likely transfers to ignore, and obligations that should be added to the emergency workbook. The output is useful for monthly money cleanup and family handoff because it answers what must continue if the person who manages payments is unavailable.

Unknown rows and likely internal transfers should be manually reviewed before relying on the output. Statement formats vary between banks, cards, wallets, and countries, so the analyzer should be treated as a practical assistant, not an authority.

• Add important recurring commitments to the workbook
• Check unknown or low-confidence rows
• Confirm self-transfers before excluding them from spending
• Export the report after labels are reviewed
• Do not paste passwords, PINs, OTPs, CVV values, or recovery phrases

A user can paste a statement into a general AI tool, but that usually means sending private transaction text outside the browser and then manually shaping the result. This tool keeps the workflow structured: import multiple sources, label accounts, detect patterns, review likely transfers, correct categories, summarize, and export. The dashboard is built for repeated financial review rather than a one-off chat answer.

The analyzer also connects naturally to the emergency workbook. Recurring payments, EMIs, SIPs, premiums, rent, utilities, and subscriptions can be moved from statement review into family handoff planning. Internal transfer review helps keep that workbook focused on real commitments, not money moved between the user's own accounts.

• Browser-local import and analysis
• Multi-account comparison without bank connection
• Likely self-transfer review before spend totals are trusted
• Month-over-month payment-change review
• Structured recurring-payment dashboard
• Manual correction workflow
• Workbook-friendly categories and XLSX output
• No need to send statement text to a chat service

The analyzer can be useful with bank account statements, credit card statements, wallet exports, payment app rows, copied PDF text, and CSV-like transaction lists. It is especially useful when a household, freelancer, or small business owner wants to compare a salary account, bill-payment account, credit card, wallet, and shared account in one review.

If the file is scanned or image-only, the browser cannot read the text directly. In that case, the user should OCR the PDF first or paste copied transaction text. This avoids sending sensitive documents to a server just to extract text.

• Use text-based PDFs where possible
• Name sources with safe labels, not full account numbers
• Paste copied rows when PDF extraction is poor
• Check unknown descriptions manually
• Check transfer matches manually before acting
• Use the export as a review report, not as professional advice