Know exactly where
your money goes
Drop your bank and credit card statements. Every transaction the AI extracts is reconciled against your statement’s own printed totals — then categorized by your rules, flagged for possible fraud, and summarized in AI reports. Your files stay in a folder on your computer — each statement is sent to our AI provider to be read, and none of it is stored on our servers.
✓ No credit card required — your free 30-day trial includes 10 statement analyses and 2 AI reports.
Chrome required · No download needed · Works with most US bank statements
Four steps. A few minutes.
From PDF to financial clarity.
Drop your PDFs
Download statements from your bank's website. Drag and drop them into the app.
Check it reconciles
Before you trust a cent, the app reconciles the extracted transactions against your statement's own printed totals — exact cents, on your device. A missing or duplicated line won't tie.
Categorize
Transactions categorize automatically — your rules plus built-in patterns, all on your device. Reassign any in a click.
Get insights
Generate an AI report that finds fraud, tracks trends, and gives actionable advice.
Everything you need to stay on top of your finances
Built for people who review their own statements — or wish they did.
AI Fraud Detection
Flags micro-charges, duplicate billings, and unusual merchants for you to review.
Statement Verification
Every transaction the AI extracts is reconciled against your statement's own printed totals — in exact cents, on your device, zero tolerance. A missing or duplicated transaction breaks the tie. You see Verified, Review totals, or Doesn't reconcile before you trust the numbers.
Smart Categorization
Your rules (AND/NOT logic) and built-in patterns assign every category locally — transparent and inspectable, with no AI guessing in the loop.
Stored on Your Computer
Your statements and results live in a folder on your computer, not in our database. To read a statement, the app sends it to Anthropic, our AI provider, which keeps it for 30 days and doesn't use it for training. Exactly what's sent is in the privacy guide.
Privacy & Security guide →AI Financial Reports
Narrative analysis with spending trends, income tracking, and specific dollar-amount recommendations.
Action Item Tracking
Report findings become a checklist. Mark items done — the next report skips what you've addressed.
Multi-Account View
Checking and credit cards — see everything in one unified dashboard with cross-account search.
Your data is yours. Period.
Most financial tools require bank logins and store your data on their servers.
We take a fundamentally different approach.
| StatementLock | Bank-linked apps | |
|---|---|---|
| Bank login required | No | Yes |
| Ads for insurance, credit cards, etc. | Never | Common |
| Your statements stored on their servers | No — our AI provider keeps them 30 days | Yes |
| Shutdown risk to your data | None, it's on your device | Export window, then gone |
| AI fraud detection | Yes | Limited |
| Custom categorization rules | Full control | Their categories |
| Works with text and scanned statements | Yes | Only connected banks |
See it for yourself
Explore with sample data — no signup, no PDF, no commitment.
No credit card required. Free for 30 days — 10 statement analyses and 2 AI reports.
Guides
Learn how StatementLock works — from your first upload to rule-based categorization you control, the AI financial report, and privacy.