Karchu vs Google Sheets
Google Sheets is the general-purpose tool most people reach for when a bank statement lands in their inbox. It is free, familiar, and endlessly flexible. It is also the reason most people abandon monthly analysis after two months. Karchu automates the parts a spreadsheet forces you to redo every time.
Feature comparison
| Feature | Karchu | Google Sheets |
|---|---|---|
| PDF bank statement import | Yes | No |
| OCR for scanned statements | Yes | No |
| Automatic transaction extraction | Yes | No |
| Rule-based auto-categorization | Yes | No |
| Retroactive rule edits | Yes | No |
| Prebuilt dashboards | Yes | No |
| Flexible custom formulas | Partial | Yes |
| Full control over formatting | No | Yes |
| Team roles and access controls | Yes | Yes |
| Pricing | Free trial, then $9/mo | Free |
When Google Sheets is the better fit
- You only analyze one statement a year and price is the deciding factor.
- You need bespoke formulas the analyzer cannot express.
- You are already deep in a spreadsheet workflow you enjoy maintaining.
- You do not want to trust categorization to any tool.
When Karchu is the better fit
- You analyze statements more than once a quarter and the setup time hurts.
- You have PDF statements and cleaning them by hand is the actual work.
- You want categorization that gets more accurate rather than restarts monthly.
- You want dashboards and exports without maintaining formulas.
Frequently asked
Can I export Karchu data to Google Sheets?
Yes. Every view exports as clean CSV or Excel that opens in Sheets or Excel without cleanup.
Is Sheets cheaper?
Sheets is free. Karchu is not, once the trial ends. The trade-off is your time: analysts we surveyed spent 3-8 hours per month cleaning statements in Sheets, which Karchu compresses to minutes.
Can Karchu import a Google Sheets file?
Yes. Export the sheet as CSV or XLSX and upload it. Karchu detects the layout automatically.
Popular bank statement analyzers
Bring a real statement to see how Karchu handles it. These bank pages walk through export steps and quirks for the most searched banks in this comparison's market.
- Chase statement analyzer
Export and analyze Chase PDF, CSV, and Excel statements.
- Wells Fargo statement analyzer
Export and analyze Wells Fargo PDF, CSV, and Excel statements.
- Bank of America statement analyzer
Export and analyze Bank of America PDF, CSV, and Excel statements.
- Citibank statement analyzer
Export and analyze Citibank PDF, CSV, and Excel statements.
- Capital One statement analyzer
Export and analyze Capital One PDF, CSV, and Excel statements.
- TD Bank statement analyzer
Export and analyze TD Bank PDF, CSV, and Excel statements.
See Karchu on your own statement
30-day free trial. No credit card. Upload a CSV, Excel, or PDF and get categorized results in minutes.