Statement analysis

Read the statement before you book it.

Balance over the period, where the money came from, recurring financing payments, overdrafts, and what the PDF itself says about its origin — computed from the same grid that has to tie to the printed balance. Free in the preview, and nothing is stored.

On DocuClipper this kind of view is a Business-plan feature. On PennyClose it is free, computed from the grid that already tied, and gone when you close the tab.

See a sample analysis — synthetic file, real engine.

Preview and Analysis are free. The first download is free after sign-in. After that, Solo is $29/month.

up to 20 files · 20 MB each · PDF only · bank or credit-card statements

    kept in memory only
    sample-checking-statement.pdf · Meridian Commerce Bank · ····3303 · Analysis
    Opening
    15,800.00
    Deposits
    25,557.89
    8 items
    Withdrawals
    32,811.32
    14 items
    Closing
    8,546.57
    Net change
    −7,253.43
    Avg daily balance
    17,257.92

    Balance over the period

    Synthetic sampleMade for the demo, not by a bank — the document check below is the engine noticing exactly that.
    Recurring financing paymentsNone recognised in this statement.
    Document checksPDF produced by ReportLab, not a bank statement system.
    Open the sample analysis →
    Computed from the grid that ties to the printed balance
    Free in the preview — no account needed
    Every number links to its rows
    Nothing is stored; it disappears with the tab

    What the analysis shows

    Observations for a reviewer, not a verdict. Each figure is built from the rows in the grid and links back to them, so you can see exactly what it counted.

    Balance over the period

    The daily balance carried through every day of the statement, with the days it went negative marked. Opening, closing, net change and average daily balance.

    Where the money came from

    Operating deposits separated from transfers between your own accounts, refunds and money received from lenders — recognised from the description, with the rows listed.

    Recurring financing payments

    Daily or weekly debits to lenders and advance providers, with the payment size and this period's total — so they are booked as loan payments, not expenses.

    Overdrafts

    Overdraft and NSF fees, returned items, and the number of days the balance was below zero, each with the rows behind the count.

    Document checks

    What the PDF says about itself: producer, creator, pages, creation and modification dates, embedded fonts — and whether that looks like a bank system. A genuine file can trip a check; a clean one can still deserve a second look.

    Across statements

    Drop several months together and get one table: opening, deposits, withdrawals, closing, average daily balance, negative days and fees per month — plus whether the months chain.

    How it fits the convert

    1Upload the PDF Digital file from the bank site. Password-protected is fine. A scan with a text layer reads as text; an image-only PDF is read with on-server OCR.
    2Read the proof The statement has to tie to its printed opening and closing balance first. The analysis is computed from that same grid, so its numbers are the bank's.
    3Open Analysis A second tab next to the transactions. Nothing extra to buy: it is part of the free preview. Download Excel, CSV, .qbo, Xero CSV, OFX, QFX or QIF when you are done.

    Preview is free. The first download is free after sign-in. After that, Solo is $29/month, cancel anytime.

    Swipe sideways to see every column.

    This grid exists only in this tab. Click a cell to edit date, description or amount; ± flips debit/credit. The proof re-runs on every edit. Convert another statement

    Download .qbo

    QuickBooks checks these before accepting the file.

      Not listed? Leave it blank — the file uses a documented generic institution ID and imports under a generic label.

      Download the Xero bank import (.csv)

      Xero's own template columns: Date, Amount (money in positive, money out negative), Payee, Description, Reference, Check Number. The date has to match your Xero organisation's region.

      How to import
      Accounting → Bank accounts → Manage account → Import a statement, choose this file, and confirm the column mapping Xero proposes. Xero also imports the OFX file directly.

      This statement does not tie

      Sign in to download

      No password. We email you a one-time link — new here? The same link creates your account. Your first download is free so you can test the import into QuickBooks.

      Pick a plan

      You only pay for downloads of statements you've already seen tie. A statement that doesn't tie never counts against your pages, and any first charge is refundable within 14 days, no questions — billing & refunds.