Turn any bank statement into financial clarity.
Drop in a CSV, Excel, or PDF statement. Karchu extracts your transactions, categorizes them with editable rules, and shows you exactly where your money goes - all in your browser, no bank password, no spreadsheet wrangling.
Features
Upload anything
CSV, XLSX, XLS, PDF, TXT - up to 25 MB per file.
Auto-categorized
Rule-based engine tags transactions instantly. Edit a rule once, apply it everywhere.
Live dashboard
Income, expenses, cash flow, top merchants, and spending by category.
Your data, private
Parsing runs in your browser. Files stored in your private vault.
Who uses Karchu
Different jobs, same core need: turn statements into a categorized picture of the money. Here is how each group uses the tool.
Freelancers
Separate business and personal income. Track deductible expenses. Export a tax-ready summary.
See how freelancers use KarchuSmall businesses
Cash flow, vendor concentration, subscription drift, without a full accounting suite.
See the small business workflowAccountants and bookkeepers
Multi-client workspaces, rule reuse, and clean QuickBooks or Xero exports.
See the bookkeeper workflowMortgage applicants
Turn 3 or 6 months of statements into the categorized summary underwriters actually want to read.
See the mortgage prep workflowLandlords
Track rental income and property expenses per property. Tax-ready per-category totals.
See how landlords use KarchuEvery major bank
Chase, Wells Fargo, Barclays, HSBC, Monzo, Revolut, Wise, and more. See supported banks.
Browse supported banksWhat is a bank statement analyzer?
A bank statement analyzer is a tool that reads the files your bank already exports - CSV, Excel, or PDF - and turns them into a structured, categorized view of your money. Instead of scrolling through hundreds of transactions, you see income, expenses, cash flow, top merchants, and spending by category in one dashboard.
Karchu is a bank statement analyzer built for privacy and transparency. You upload your statement, we parse it locally in your browser, and our deterministic rule engine categorizes every transaction. You can edit any rule, and the change applies to every past and future transaction that matches. No bank password, no black-box AI, no spreadsheet formulas to rebuild every month.
Want a deeper explanation? Read the guide on what a bank statement analyzer is.
Frequently asked questions
What is Karchu?
Karchu is a bank statement analyzer. It reads CSV, Excel, and PDF statements, categorizes every transaction with editable rules, and shows you cash flow, top merchants, recurring charges, and spending by category.
Is Karchu an AI bank statement analyzer?
No. Karchu uses a deterministic rule engine for categorization, so the same input always produces the same output and you can see why every transaction was categorized the way it was.
Does Karchu connect to my bank?
No. Karchu never asks for your online banking password and does not use bank aggregation services. You upload the statement files your bank already exports, and the parsing happens in your browser.
Who is Karchu for?
Karchu is built for individuals, freelancers, small businesses, accountants, landlords, and mortgage applicants who want to understand their bank statements without giving up credentials to an aggregator.