How does it group similar payments?

Transactions to the same recipient are combined into one row showing total spent, number of times, and average per transaction. So '4 payments of ₹10 to Ram' becomes a single row reading 'Ram · 4 transactions · ₹40 total'.

How does it detect recurring charges?

If the same recipient appears 3+ times at roughly consistent intervals (weekly, fortnightly, or monthly), the charge is flagged as recurring. Helps you find subscriptions, EMIs, rent, and auto-debits.

Does it work with password-protected PDFs?

Yes. Enter your statement password in the password field before clicking Analyse. The tool handles unlocking and parsing in one step.

Can I upload multiple statements?

Yes — upload as many PDFs as you want in one batch. The tool combines all transactions into one unified view. Perfect for full-year reviews.

Which banks are supported?

Most major Indian banks: HDFC, SBI, ICICI, Axis, Kotak, IDFC First, Yes Bank, IndusInd, PNB, BoB, Federal Bank, and others. The CSV/XLSX export from the backend handles column variations across banks.

Calculators Tool

Spend Calculator

See where your salary goes. Upload bank statements to get total income, total spending, top spend recipients ranked, and recurring charges flagged.

Privacy-first workflows

Fast and simple

100% Free, no signup

What this tool does

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.

Drop bank statement PDFs, or click to browse

Upload multiple statements to see your full annual picture · password-protected PDFs supported

How it works

How to see where your money is going

STEP 01

Drop one or more bank statement PDFs into the upload zone. Works with HDFC, SBI, ICICI, Axis, Kotak, IDFC, Yes Bank, and most Indian banks.

STEP 02

If the PDF is password-protected, type the password — the tool unlocks and reads it in a single step.

STEP 03

Click Analyse. You'll see total income, total spending, top recipients ranked highest to lowest, grouped repeat payments, and flagged recurring charges.

STEP 04

Use the ranked list to spot wasteful spending; use the recurring list to audit subscriptions and forgotten auto-debits.

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