Bank statement analyzer
Converting a statement gives you rows. Reading it gives you the answer. Rowvert does both: upload a PDF and get income and outgoings per month, the recurring payments behind them, the largest movements and how the balance behaved — computed from the rows it just reconciled, in the statement's own currency.
Included in every conversion · 1 page a day without an account · 5 a day with a free account · No card
What you get
Money in and out, by month
Every month in the statement gets its own line: credits, debits and the net movement, plus the averages across the period. This is the first thing a lender, a landlord or an accountant looks for, and it usually takes twenty minutes in a spreadsheet.
Recurring income
Payments that arrive repeatedly are grouped by payee and labelled weekly, fortnightly or monthly, with the average amount. A salary paid on the 1st of three consecutive months shows as one line, not three.
Recurring bills and commitments
The same grouping for money going out: rent, loan repayments, subscriptions, utilities. Reference numbers, card digits and month names are stripped, so “RENT JUN” and “RENT JUL” are recognised as the same standing payment.
Largest payments
The five biggest movements in each direction, with their dates, so an unusual transfer is visible immediately rather than buried in three hundred rows.
Balance range
Lowest, highest and average balance across the statement, how many rows show a negative balance, and whether the period ends in the red.
Who reads a statement this way
Mortgage brokers and lenders
Three to six months of statements, and one question: what comes in reliably, and what is already committed. The recurring lists answer it without reading every line.
Landlords and letting agents
Income against rent, and whether the balance dips below zero. Run the authenticity check on the same file to confirm the PDF was not edited.
Accountants and bookkeepers
A fast read of a client's year before coding it: what repeats, what is unusual, what needs a question before it goes into Xero or QuickBooks.
Business owners
Where the money actually went last quarter, from the bank's own record rather than from memory.
What it does not do
It does not score anyone, predict anything, or label a person's finances. It reports what the statement says: totals, recurrences, extremes and the balance range, each traceable to the rows it came from. Automatic categorisation is left out on purpose — guessing that a payment is “groceries” is wrong often enough that you would check every line anyway. And because the figures are only as good as the extraction, every conversion is reconciled against the statement's own opening and closing balances first, with any mismatching row flagged.
Related: fake bank statement detector · Excel export · for mortgage brokers · for property managers
Questions about statement analysis
Is the analysis included or does it cost extra?
It is included in every conversion. Without an account you see the monthly totals; with a free account you get the recurring payments, the largest movements and the balance range. There is no separate price and no extra page consumed — the analysis is computed from the rows that were already extracted.
Does it categorise transactions like an accounting app?
No, and that is deliberate. Automatic categories are wrong often enough that you have to check every line anyway. Rowvert groups transactions by payee and by recurrence, which is factual, and leaves the coding to you or to your accounting software.
Can I use it to check affordability for a loan or a tenancy?
It gives you the figures a decision needs — income per month, committed outgoings, balance behaviour — and it shows where each figure comes from. It does not score anyone, and it is not a credit reference. Pair it with the authenticity check to confirm the PDF itself was not altered.
Does it work on any bank?
Yes. The analysis runs on the extracted rows, so it works wherever the conversion works: any bank, any country, digital or scanned statements. Amounts keep the statement's own currency.
Is the analysis in the Excel file too?
Yes. Downloaded workbooks carry an Analysis sheet with the monthly table, the recurring payments, the largest movements and the balance figures, next to the Transactions and Summary sheets.
How accurate is it?
It is exactly as accurate as the extraction, which is why every conversion is reconciled first: opening balance plus credits minus debits must equal the closing balance, and each row must match the running balance. If a row was misread, the reconciliation says so before you use the figures.