Spend Calculator
See where your salary goes. Upload bank statements to get total income, total spending, top spend recipients ranked, and recurring charges flagged.
Upload one or more bank statement PDFs to see where your money goes. The tool totals your income and spending, ranks every spend recipient from biggest to smallest, groups repeat payments (like “Paid Ram 4 times = ₹40”), and flags recurring monthly or weekly charges. Works with HDFC, SBI, ICICI, Axis, Kotak, IDFC, Yes Bank, and most Indian bank formats.
Written by Anil Gautam · Updated
What happens to your statements when you click Analyse?
Each PDF is uploaded to the OneClickUse server, together with the password if you typed one, and passed to a statement conversion service that reads the transaction table and returns it as CSV. Everything after that runs in your browser: finding the date, description, debit and credit columns, adding credits as income and debits as spending, and grouping the rows. Files are sent one at a time, so a PDF with the wrong password or a layout the converter cannot read is listed with its own error while the rest are still analysed.
Why does the same payee show up in two rows?
Before grouping, each description is lower-cased and cleaned: channel words such as UPI, NEFT, IMPS, NACH, ATM and POS are dropped, along with any number of six or more digits and all punctuation. Rows whose cleaned text matches exactly become one recipient. Three UPI payments of ₹240, ₹310 and ₹185 to the same tea stall become a single row with 3 transactions, an average of ₹245 and a total of ₹735.
Exact matching is also why one payee can appear twice. If the bank writes a different UPI handle or a short reference number of five digits or fewer into each entry, those payments land in separate rows. The ranked list shows the top 50 recipients and the income list the top 20.
Why might the totals look too high?
Statements are combined without removing duplicates. Upload two PDFs that overlap by a month and every transaction in that month is counted twice. Transfers between your own accounts also count: moving money from a salary account to a savings account appears as spending in one statement and income in the other when you upload both, which inflates both totals by the same amount and leaves net cash flow unchanged.
A recipient gets a recurring badge when it appears at least three times, the average gap is 4 to 40 days, and every gap is within 60% of that average. Up to 9 days counts as weekly, up to 18 as fortnightly and anything longer as monthly. Regular habits qualify as well, so a tea stall you visit every week or so is tagged weekly. Duplicate statements break this check too, because a repeated charge on the same date creates a zero-day gap. The Subscription Finder lists only these recurring charges, with monthly and annual cost estimates.