AI Bank Statement Analyzer that shows where your money goes

StatementBear offers free AI bank statement analysis. Upload your bank statement PDF and our AI categorizes every transaction, calculates a spending score, identifies monthly trends, and gives you honest financial feedback in under 30 seconds. Your first analysis is completely free with no card required.

Yes. StatementBear uses a frontier AI model (currently OpenAI GPT-4o) to read every line of your bank statement PDF and categorize transactions with high accuracy. Free AI bank statement analysis on StatementBear gives you the same accuracy as the paid plan for your first upload, including spending score, category breakdown, and trend analysis.

A bank statement analyzer is a tool that reads your bank statement (usually a PDF) and automatically categorizes your transactions, calculates spending patterns, and provides financial insights. StatementBear offers free AI bank statement analysis that does this in under 30 seconds, giving you a spending score, category breakdown, and personalized feedback.

Simply upload your bank statement PDF to StatementBear. Our AI reads every transaction, categorizes your spending into categories like groceries, dining, transport, and subscriptions, then calculates your spending score and provides personalized financial insights.

Yes. StatementBear uses bank-level encryption to protect your data. Your bank statement PDF is processed securely, and we never store your banking credentials. You can delete your data at any time from your account settings.

StatementBear works with PDF bank statements from all major UK and international banks including Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Revolut, Chase, and more. If your bank lets you download a PDF statement, our AI can analyze it.

Your first bank statement analysis is completely free. For unlimited analyses, monthly spending trends, recurring charge detection, and advanced insights, you can subscribe to StatementBear Pro.

StatementBear calculates a spending score from A to F based on three factors: your savings rate (40% weight), essential spending ratio (30% weight), and discretionary spending control (30% weight). It gives you a clear, at-a-glance measure of your financial health that you can track over time.