Karchu is a bank statement analyzer that takes the messy files your bank hands you and converts them into categorized transactions, cash-flow charts, and clean exports. Four steps, no spreadsheets, no manual coding.
From upload to exportable insights, here is exactly what happens.
Drop the file your bank actually gives you. No template setup, no column mapping.
Karchu detects the column layout, aligns dates, and rebuilds every row into a consistent shape.
A deterministic rule engine tags every transaction. Edit a rule once and it applies retroactively.
Live dashboards update in real time. Export clean files or invite teammates.
Most tools force you to convert a PDF bank statement to Excel first. Karchu skips that step and reads what your bank actually sent you.
Files are capped at 25 MB, which comfortably covers year-long statements. Overlapping months are deduplicated automatically.
One bank exports dates as DD/MM/YYYY, another as YYYY-MM-DD. Amounts land in split columns, signed columns, or "money in / money out" pairs. Karchu detects the layout and produces a single normalized row shape.
Most services either force you to hand-categorize every row, or hand transactions to an opaque AI model and hope it guesses correctly. Karchu uses a deterministic rule engine instead.
Ships with sensible defaults for merchants like Uber, Amazon, Netflix, and Starbucks. Extend the engine by editing a rule once. Every matching transaction, past and future, updates immediately.
That is the answer to the recurring question, "how do you categorize bank transactions without redoing the work every month?" You don't. The rules do.
Once transactions land, every view updates in real time as you refine rules. Filter by account, category, date range, or merchant, then export in one click.
Anyone who needs to understand money without surrendering control. Role-based workspaces keep sensitive views scoped to the right people.
Understand where your money went last quarter. No spreadsheets, no guesswork.
Keep clean books for tax season without hiring a full-time bookkeeper.
Share a workspace where founders, accountants, and analysts see the same numbers.
Karchu is not a bank aggregator. It does not ask for your bank credentials. It does not connect through Plaid or Yodlee. It does not sit between you and your bank.
You bring the files. Karchu does the analysis. That trade-off is deliberate. It makes the tool safe to use for sensitive business finances and easy to adopt inside regulated organizations.
