Bank Statement Analyzer — Free Spending Insights & Expense Tracker
Upload your bank statement (PDF, CSV or Excel) and instantly see your income, expenses, savings rate, top spending categories, budget checker, recurring payments, and more — all processed privately in your browser.
| Category | Txns | Amount | % of Expenses |
|---|
Merchants appearing for the first time in the most recent month of your statement.
Based on your income of ₹0, here's how your spending compares:
Set monthly limits per category. Carry-forward surplus shown if you were under-budget last period.
Create a custom category with keywords to better classify your transactions. Saved locally in your browser.
Transactions appearing 2 or more times — likely subscriptions, EMIs, or regular bills.
| Date | Description | Category | Confidence | Debit | Credit | Balance |
|---|
What is the Bank Statement Analyzer?
The Bank Statement Analyzer by WorldOfTools is a free, privacy-first financial tool that helps you understand where your money is going. Upload your bank statement in PDF, CSV or Excel format and instantly get a complete picture of your finances — income, expenses, savings rate, category-wise breakdowns, top merchants, recurring subscriptions, and personalized budget recommendations.
Unlike other tools, everything runs in your browser. Your financial data is never uploaded to any server, never stored in any database, and never shared with anyone.
How to Use the Bank Statement Analyzer
Export Your Bank Statement — Login to your bank's net banking portal and download as CSV, Excel, or PDF from Account Summary / Statements section.
Upload the File — Click or drag & drop your PDF, CSV, or Excel file. For multi-page PDFs, you can select which pages to include.
Map Your Columns — Tell the tool which columns represent Date, Description, Debit, Credit, and Balance. Auto-detected for most banks.
Get Instant Analysis — Explore your dashboard with charts, budget checker, spending rank, recurring payments, and more. Merge multiple statements for a combined view!
Supported Banks & Formats
Works with CSV and Excel exports from all major Indian banks:
- 🏦 SBI (State Bank of India)
- 🏦 HDFC Bank
- 🏦 ICICI Bank
- 🏦 Axis Bank
- 🏦 Kotak Mahindra Bank
- 🏦 Yes Bank
- 🏦 PNB
- 🏦 Bank of Baroda
- 🏦 Canara Bank
- 🏦 IndusInd Bank
Frequently Asked Questions
Is it safe to upload my bank statement here?
Yes, completely. All processing runs in your browser using JavaScript — your file never leaves your device. No data is sent to any server, no account is required, and nothing is stored.
What file formats are supported?
PDF (direct upload), CSV, Excel (.xlsx and .xls), and plain text (.txt). PDF parsing works on text-based PDFs from all major Indian banks. Scanned/image PDFs are not supported — use net banking to download a text-based PDF or export as CSV.
Can I merge multiple bank statements?
Yes! After analyzing a statement, simply upload another one and the tool will merge the transactions, automatically removing duplicates based on date, amount, and description. A limit of 2,000 transactions is applied to prevent browser lag.
How does expense categorization work?
The tool uses keyword matching on normalized transaction descriptions. 15+ categories are supported with hundreds of keywords for Indian merchants and common transactions. You can also create custom categories with your own keywords, saved locally.
What is the 50/30/20 budget rule?
Allocate 50% of income to Needs (rent, groceries, utilities), 30% to Wants (dining out, entertainment, shopping), and 20% to Savings. The analyzer shows how your actual spending compares.
Can I export or download the analysis?
Yes. You can export as CSV, Excel, or generate a Premium PDF Report with category charts, insights, and all transactions. All generated in your browser — nothing is sent to a server.
🆚 WorldOfTools vs Other Bank Analyzers
| Feature | WorldOfTools | Other Tools |
|---|---|---|
| PDF Statement Support | ✓ Native PDF Parsing | Upload Elsewhere First |
| Multi-Statement Merge | ✓ With Deduplication | Not Available |
| Custom Categories | ✓ Saved Locally | Paid Feature |
| Data Privacy | ✓ 100% Browser-Side | Server Upload |
| No Account Required | ✓ Yes | Login Required |
| Category Budget Planner | ✓ Per-category limits | Paid Feature |
| 50/30/20 Budget Rule | ✓ Yes | Rare |
| Recurring Detection | ✓ Auto-detected | Paid Feature |
| Indian Banks Support | ✓ All Major Banks | Limited |