Creditcrest Statement

An assessor’s reading of any bank statement, with the proof behind every figure.

Includes Extract and Enrich and Capacity.

Follow every figure.

Income, commitments and expenses from a bank statement, each with its transactions.

What you do here. Upload a bank statement, the PDF or the export, and get income, commitments and expenses, each with its transactions.

Read a statement Try it end to end Take the tour

You bring: A bank statement: the PDF, the CSV or a workbook
You get: Income, commitments and expenses, each with its transactions
Holds the line: Serviceability too, every step a line

Serviceability too, worked out from the same reading.

Precision: 99.2%
Coverage: 87.3%
F1: 92.5%
Measured: On 963 transactions it never saw. Every category

Nothing is kept: the file is read, then gone

What happens to the file. It is read while the request is open and then it is gone. Nothing is written to disk, nothing is written to a log, nothing is put in a database — there is no database here to put it in. Nothing about the statement goes into the address bar either, so this reading has no link, which means there is no link to leak.

The cost of that is honest too. Reload and the reading is gone. Asking the capacity question below re-sends the statement from your browser, because there is nothing on this end to refer back to.

No account, no email address and no tracking cookie; visits are counted without one. What you paste never leaves this server.

A statement file

The PDF statement, the CSV export, an Excel workbook, or an OFX or QIF file. Four megabytes, which is a great many years of transactions. What this reads.

PDF password

Only for a PDF the bank locked with one. Not kept.

Or paste the rows

Header row or no header row, either way round. Nothing typed here is kept.

Account holder

Optional. The name on the account, so a transfer to their own account at another bank reads as one. Two holders: separate with a comma. Not kept.

Declared income a month, after tax

Optional. What the application or the payslip says arrives each month, after tax — what lands in a bank account is already after tax, so a gross figure here produces a difference that is only the tax. Left blank, nothing is reconciled and the page says so.

Where that figure came from

Optional, free text, recorded word for word and attributed to you. Nothing here reads a document.

Setting

Strict. The rules alone. Every answer is a name or a kind of business a rule read.
Balanced. The rules, the bank’s merchant code where a connection sent one, a register of Australian places, and a modelled reading where it keeps its category at 95% precision or better.
Broad. More answers. The bank’s merchant code where a connection sent one, a register of Australian places, and a modelled reading where it keeps its category at 90% precision or better.
Complete. Every line gets a category. Read as broad reads, and where nothing read a line, the model’s best guess, marked as one: money out as a spending line, money in as a transfer. Never income, a commitment or gambling on a guess, and not held to a precision floor.
Measured per category.

or see it working on an invented example:

What this can read

CBA, NAB, ANZ, Westpac, ING, Up, Macquarie: an export of each of those shapes is read by the tests, and Bendigo is not. The reader works out the layout from the data rather than from the bank's name, so a file from a bank nobody here has heard of usually reads too, and one that does not read is refused with its layout named rather than reported as figures it might not be. The whole table, with the evidence behind each row.