Built for Making Tax Digital

Making Tax Digital now requires digital records and quarterly updates for many self-employed people and landlords.

This tool reads your bank statements, invoices and receipts, then extracts and categorises every transaction. Upload a PDF or take a photo to start.

You review everything

AI makes mistakes, so every transaction can be checked. Click any row to review its details, switch between Money In and Money Out, or revert to the original.

Edited transactions are marked so you always know what's been adjusted, and you can export to Excel at any point.

Processed, not stored

Uploads are sent over an encrypted connection, processed via Google's Gemini API, and not stored by us. Analysis history lives only in your own browser.

No sign-up is required. See our privacy policy for the full picture.

Drop your statements here

Upload PDFs or images of bank statements, invoices, or any financial document

Supports PDFs and photos of statements from most UK banks

Files are processed in memory and discarded. We never store them.
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0 pages captured

Analyzing Document

Preparing document...

Analysis usually takes 20–60 seconds.

Money In —
Money Out —
In − Out —
Transactions —
Period —
Date ↕ Description ↕ In ↕ Out ↕ Balance ↕ Category ↕
Totals
These results are AI-generated estimates for information only, not tax or accounting advice. Verify all figures against your records before using them in any HMRC filing.

How to analyse a bank statement for Self Assessment

If you are self-employed, your business bank statement is usually the fastest route to a complete picture of your income and expenses. Most of the work of a Self Assessment return, and of Making Tax Digital quarterly updates, is simply getting every transaction listed, pointed the right way and put under the right expense heading. This tool automates the tedious part; you stay responsible for checking the result.

Using the tool

  1. Upload a statement. A PDF downloaded from your online banking works best. A clear photo of a printed statement also works. Statements from most UK banks are readable.
  2. Wait for the analysis. The document is read by Google's Gemini model, which extracts the date, description and amount of each transaction and suggests an HMRC-aligned category. This usually takes under a minute.
  3. Review the results. Each row carries a confidence dot: green means the categorisation was clear, amber means it was inferred, red means it needs your attention. Click any row to change its direction (Money In or Money Out) or check its details. Edited rows are marked.
  4. Export. Download an Excel workbook with separate sheets for all transactions, money in, money out and a category summary, ready for your accountant or MTD software.

How the categories map to the SA103F form

The self-employment (full) pages of the Self Assessment return, form SA103F, list allowable business expenses in boxes 17 to 30. The tool's categories are designed to line up with those boxes:

QuickMaths categorySA103F boxHMRC heading
cost of goods17Cost of goods bought for resale or goods used
staff costs19Wages, salaries and other staff costs
vehicle travel20Car, van and travel expenses
rent rates insurance21Rent, rates, power and insurance costs
repairs maintenance22Repairs and maintenance of property and equipment
office costs23Phone, fax, stationery and other office costs
advertising24Advertising and business entertainment costs
bank charges26Bank, credit card and other financial charges
professional fees28Accountancy, legal and other professional fees
other expenses30Other business expenses

Income is categorised as turnover or other income, and anything that looks personal, or like a transfer between your own accounts, is flagged so it does not inflate your business figures. If your turnover is below the VAT registration threshold (£90,000 for 2025/26) you may be able to use the shorter SA103S form and report a single total expenses figure instead. See our full SA103 expense categories guide.

A worked example

Suppose a self-employed plumber uploads a one-month statement containing six transactions:

DescriptionAmountLikely category
BACS — J SMITH BATHROOM+£1,450.00turnover
SCREWFIX 3341−£86.20cost of goods
SHELL PETROL−£71.03vehicle travel
DIRECT LINE VAN INSURANCE−£54.50rent rates insurance
NETFLIX.COM−£12.99personal (disallowable)
TRANSFER TO SAVINGS−£300.00transfer

The Netflix subscription is personal, so it must not appear in business expenses, and the savings transfer is not an expense at all. Both are flagged rather than counted. That distinction, between money leaving the account and money that is genuinely a business cost, is the most common bookkeeping error the tool helps you catch.

Where the AI gets things wrong

Language models are good at reading statements but not infallible. The cases that most often need a manual fix are refunds (money in that is not turnover), transfers between your own accounts, cheque and reference-only descriptions, and mixed personal spending at shops that also sell business supplies. This is why every figure should be reviewed before it goes into a return, and why the export marks the confidence of each row.

Keep your records

HMRC requires the self-employed to keep business records for at least five years after the 31 January submission deadline of the relevant tax year. The exported spreadsheet is a working document, not a substitute for the statements themselves, so keep the originals too.

Frequently asked questions

Can I analyse several statements at once?
Yes. Select multiple files and they are analysed one after another. Each statement is saved as a separate entry in the History drawer, so you can reopen any of them. To combine months into tax quarters, use the MTD Quarterly Reporter instead.
Which banks are supported?
There is no fixed list, because the tool reads the document rather than connecting to your bank. Standard statements from most UK banks, including digital banks, are readable. If a layout confuses it, the affected rows are marked low confidence.
Is my statement stored anywhere?
No. The file is sent over an encrypted connection, passed to Google's Gemini API for analysis and discarded once the result is returned. Analysis history is stored only in your own browser and can be cleared at any time. Details are in the privacy policy.
Can this submit my quarterly update to HMRC?
No. QuickMaths is a preparation tool. It produces organised data you can bring into MTD-compatible software, which then submits to HMRC.
What do the confidence dots mean?
Green: the description clearly matched a category. Amber: the category was inferred and is probably right. Red: the tool was unsure, so check that row yourself.
This guide is general information, not tax advice. Tax treatment depends on your circumstances; if in doubt, speak to a qualified accountant or tax adviser.

Sources (last reviewed July 2026):