Turn raw bank statements into a structured financial report.

Upload your exported statement. Receive a clear breakdown of spending, recurring charges, price changes, and projected annual outflow — in minutes.

Run Financial X-Ray →

One-time payment. 24-hour access. No account required. Files never stored.

Your data stays yours. Always.

No bank connections

No ongoing tracking

Files processed temporarily

PDF report included

What your report looks like

A structured breakdown of your financial activity, built from raw transaction data.

FINXRAY.AI
Financial X-Ray Report
1 Jan 2026 – 30 Jun 2026 · 182 days · 847 transactions
Executive Summary
Observed outflow $23,640.72
Projected annual outflow $47,428
Monthly burn rate $3,952
Weekly burn rate $912
Spending by Category
Housing & Utilities $14,688 38.4%
Groceries $8,120 21.2%
Transport $4,560 11.9%
Dining & Takeaway $3,480 9.1%
+ 6 more categories $7,432 19.4%
Recurring Charges Detected
Vendor Frequency Amount Status
Netflix Monthly $22.99 Active
Adobe Creative Cloud Monthly $54.99 ↑ $5.00 since Mar
Vodafone Monthly $65.00 Active
Spotify Family Monthly $18.99 Active
Stan Monthly $16.00 Lapsed · 94 days
12 recurring charges · $3,120 estimated annual exposure
Uncategorised
3 transactions $94 flagged for review
Concentration
Top 2 categories 59.6% of total outflow
Values shown are illustrative.

How it works

1

Export your bank statement

Download a CSV or PDF statement from your bank app or internet banking portal.

2

Upload and analyse

Drop the file in. Transactions are categorised, grouped, and projected automatically.

3

Download your report

Review the results on screen, then download a structured PDF report for your records.

Built for people who manage their own money

Designed for sole traders, freelancers, contractors, and small operators.

Quarterly review

Upload three months of statements to see where your money actually goes — before tax time arrives.

Subscription audit

Find recurring charges you forgot about. See price increases that happened without notice.

Budget baseline

Get an accurate picture of your current burn rate before making financial decisions.

See what your statements actually contain.

Upload a bank statement and receive a structured financial report in minutes.

Run Financial X-Ray →

One-time payment. 24-hour access. No account required. Files never stored.