Categorize spending from your bank statement
Wondering where last month's money actually went? Scrolling line by line rarely answers that. Grouping purchases into broad buckets such as groceries, dining or utilities turns a wall of entries into a handful of totals.
Your file is never uploaded. The subscription finder runs in your browser and uploads nothing. Its results are estimates to check against your statement.
Steps
- From online banking, download your activity in one of the supported export formats listed on the tool page.
- Load it into the finder, then pick the categories tab at the top.
- Skim down the list. Anything filed under the wrong heading can be moved with that line's own dropdown. Those changes aren't saved between visits, so export before you close the page.
- Glance at the chart to compare buckets, then save the sorted rows as a spreadsheet file.
Good to know
Treat the buckets as rough
Grouping is guessed from each payee's wording. Totals are approximate, so correct lines that look misfiled.
Money you moved to yourself
Shifting cash into savings or paying off a card is not really an expense. Give those lines their own heading so they don't swell a category.
Building a budget
Open the saved file in a spreadsheet program to set monthly limits, add notes or make a pivot.
Compare month against month
Run last quarter's file, save it, then repeat with the newest period. Putting the two side by side shows which buckets crept upward while you weren't looking, which is often more telling than any single snapshot.
Questions
Can I fix a wrong category?
Yes. Every line has its own selector, but your edits aren't kept after you leave, so save the CSV.
Do I have to create an account?
No login is needed, and your data stays on your device.
The finder reads PDF, CSV, OFX, QFX, QBO and XLSX files. Drop in a text-based PDF statement or an export file. Scanned (image-only) PDFs can't be read; the tool will tell you if yours is one.
This guide was written with AI assistance and reviewed against the tool's behaviour. Always review your output before using it.