Analyze any bank statement, in about ten seconds.
Drop in a statement PDF and Sortlumo's analyzer categorizes every transaction, checks for recurring charges and fees, and hands you a clean spreadsheet — with no bank linking and no credentials shared.
Six things a spreadsheet won't tell you on its own.
Spending by category
Every transaction sorted into 22 categories, so you can see — in one glance — what dining, groceries, transport, and subscriptions actually cost you each month.
Recurring charges
The analyzer flags anything billing on a monthly, quarterly, or annual cadence and annualizes it, surfacing the subscriptions quietly draining the account.
Fees & interest
Maintenance fees, overdraft and NSF charges, foreign-transaction fees, and interest are isolated so the most reversible dollars on the statement are easy to spot.
Merchant clean-up
Cryptic strings are decoded: SQ*TARTINE becomes Tartine Bakery, AMZN MKTP US becomes Amazon — so the analysis reads in plain English.
Income & transfers
Deposits, payroll, and inter-account transfers are separated from real spending, so your net cash flow for the period is accurate.
Multi-statement trends
Upload several months and the analyzer merges them, so you can watch categories rise and fall instead of reading one statement in isolation.
A breakdown you can actually read.
Most converters stop at rows in a grid. A real analysis groups your spending, names the merchants, and shows the shape of the month — so the statement answers a question instead of just holding data.
The subscriptions hiding in the noise.
The analyzer watches for charges that repeat on a calendar cadence and annualizes them, so a $9.99 line you skimmed past becomes a $120/year decision. More on the method in finding forgotten subscriptions.
From PDF to analysis in three steps.
Upload a statement PDF
Drag in any text-based bank or credit card statement — Chase, Bank of America, Amex, Capital One, and most issuers. No account linking, no credentials.
Sortlumo analyzes it
In about ten seconds, every line is extracted, the merchant is normalized, a category is assigned, and recurring charges and fees are flagged.
Read, filter, export
Browse the categorized breakdown, filter by merchant or category, and export the whole analysis to Excel in one click.
New to reading statements? Start with how to read a bank statement.
Bank statement analyzer questions.
What is a bank statement analyzer?
A bank statement analyzer reads a statement PDF and turns the raw transaction list into something you can actually use — categorized spending, flagged recurring charges, isolated fees, and a clean export. Sortlumo does all of that from an uploaded PDF, without connecting to your bank.
Is the bank statement analyzer free?
Yes, to start. Sortlumo analyzes up to 3 statements a month for free, with paid plans at $5.75 and $11.58/mo for higher volume, multiple accounts, and unlimited analysis.
Does it work as a bank statement checker for accuracy?
It reconciles the transaction table against the statement's own totals and surfaces fees, duplicate-looking charges, and recurring items — the checks most people do by hand — so you can verify a statement quickly. It is not a fraud-detection or forensic-audit tool.
Which banks does the analyzer support?
Any text-based statement PDF works, regardless of issuer. There are step-by-step guides for Chase, Bank of America, American Express, Capital One, Wells Fargo, Citi, and more on the converter page.
Do I have to link my bank account to analyze statements?
No. That's the core difference from tools like Rocket Money or Monarch. Sortlumo works entirely from statement PDFs you upload — your banking credentials never enter the picture, and your file stays encrypted in your account.
Analyze your first statement free.
No bank linking, no card required. Upload a PDF and see the breakdown.