Free Bank Statement Analyser App – How CheckFin Works
CheckFin is a free bank statement analyser app that lets you upload your bank statement and analyse it directly in your browser, without sending your data to any server. In minutes you can discover your recurring costs, hidden subscriptions, and your real debt ratio — giving you a complete financial picture.
Your data never leaves your browser. No sign-up, no servers, no trace.
1. Download your bank statement
Log in to your online banking (Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Revolut, N26, or any other bank) and download your bank statement in CSV or Excel format. You can also use a PDF bank statement if your bank offers export to CSV from the transaction history. Most banks allow you to download the last 3 to 12 months of bank transactions. The more months you include, the more accurate the analysis will be: we recommend at least 3 months to reliably detect recurring patterns.
2. Upload your bank statement to CheckFin
Drag your bank statement CSV or Excel file to the CheckFin upload area, or click to select it. The file is processed entirely in your browser using client-side JavaScript — your bank statement is never sent to an external server. You can upload bank statements from multiple accounts and credit cards for a complete financial picture of your situation.
3. Map the columns
CheckFin automatically detects the date, description, and amount columns in most bank formats. If your bank uses a different format, you can assign columns manually with a couple of clicks. You can also indicate whether the file is from a bank account or a credit card, and link both to avoid counting duplicate payments.
4. Confirm your income
CheckFin automatically identifies your income sources — salary, freelance payments, rental income, or other recurring income. You can confirm, exclude, or reclassify each source. This step is crucial because your financial ratios (debt, savings) are calculated relative to your real monthly income.
5. Analyse your results
In seconds you get a complete dashboard with: your categorised spending (debt, subscriptions, household bills, taxes), your debt ratio (DBR), your savings rate, excessive spending alerts, and notable one-off expenses. For each recurring merchant you can mark actions: cancel, optimise, review, or keep.
6. Simulate your mortgage
If you are thinking about buying a home, CheckFin includes a mortgage calculator that shows exactly how a new monthly payment would affect your financial ratios. It includes a stress test (+2% interest rate) and generates a PDF report you can print and take to your bank as preparation for your application.
Your privacy is the priority
Unlike other tools such as Mint, Plaid-based apps, or services that require connecting your bank account, CheckFin works with files you download and upload manually. Your data is encrypted with AES-256 and stored locally in your browser — it is never sent to any server. You can delete all stored data at any time from the app. There is no sign-up, no account, no server storing your transactions. It is the safest way to analyse your finances.