PDF statements → Excel, charts, lender view

See your bank statements the way a lender does.

Drop your PDF statements. Get every transaction as a spreadsheet, charts of where the money goes, and the income figure a bank-statement lender would calculate. Nothing is uploaded: your statements stay on your computer.

Text PDFs from any US bank
Up to 24 months at once
No account, no upload, free

Drop your statements here PDF files from your bank, 1 to 24 months. Scanned statements aren't supported yet. Choose PDF files

Your files are read by your browser and never leave this computer. Close the tab and everything is gone. How we can promise that

No statement handy?

What you get in about ten seconds

Every transaction as rows

Date, description, category, amount, running balance. Download as Excel or CSV. Debits and credits come out in the right columns, even across different banks.

Charts of where the money goes

Money in vs out by month, spending by category, balance over time, and the subscriptions that quietly repeat every month.

The lender view

Applying for a bank-statement mortgage as a self-employed borrower? See the 12- and 24-month deposit averages, the income estimate, and the large deposits and overdraft fees a lender will ask about, before you apply. What the lender view shows

Free

Read your statements, see every chart, change categories, and export Excel and CSV. No account, no upload, no limit on rows.

Bookkeepers

Converting whole folders of statements? The PDF Agents Mac app does this offline for many files at once.

Money in vs out, by month

InOut

Spending by category

Change a category, and every matching row follows

Repeats every month

Balance over time

Date	Description	Category	Debit	Credit	Balance	Page

Were these numbers right?

What a bank-statement lender will see

Bank-statement loans take income from your deposits instead of tax returns. This is the arithmetic most lenders run on 12 or 24 months of statements. It is an estimate for your own preparation, not a lender's decision, and every program sets its own rules.

Estimated qualifying income, 12 months

Estimated qualifying income, 24 months

Expense factor (lenders use 10–50%, by business type)

25%

Account type

Eligible deposits by month

CountedExcluded

The arithmetic

What a lender will ask about

Take this to your lender

A printable summary: the arithmetic above, the month table and the flagged items. Free, made on this computer. Add the Excel export of every row from the Overview.

Find a bank-statement lender

We do not recommend lenders yet. Until we do, here is a plain guide to how these loans work, what the 12- and 24-month programs are, and what to prepare.

How bank-statement loans work

The rules behind these numbers

All deposits are every credit on the statements.
Transfers from your own accounts ("Transfer from Sav ...1234") are excluded: moving your own money is not income.
Refunds and reversals (refund, reversal, chargeback, merchant credit) are excluded.
Large deposits, any single deposit above 150% of your average month's total deposits, are excluded unless you include them; lenders ask for a source.
Eligible deposits ÷ months gives the monthly figure. Business accounts are multiplied by (1 − expense factor), personal accounts by 1. The 24-month figure needs all 24 statements.
Overdraft / NSF fees are counted from their wording (NSF, overdraft, insufficient funds, returned item). Gaps between statements and statements whose rows do not add up are flagged.

Full write-up: how bank-statement loans work.

Bank Statement Analysis is not a lender, broker or financial adviser. Figures are computed from the statements you provided, on your computer, using common program rules; your lender's rules may differ.