Bank statement cash flow for lending
Drop in or paste an applicant’s bank transactions to see monthly regular income, housing, debt payments, bills, spending and what is left for an affordability check. The file is read in your browser and never uploaded.
Bank transactions
These transactions are made up for the demo. Drop in or paste an applicant’s own.
Transactions are read in this browser and nothing is uploaded.
What is left
Over 6 months, €2,850 of regular income a month, minus €950 housing, €485 debt payments, €185 regular bills and €767 other spending, leaves €463.
In 1 of the 6 months, more went out than regular income came in, and the lowest month’s regular income was €2,850, with €147 a month of other income left out of what is left.
Income and outgoings by month
Each month shows regular income beside money out stacked by category, with transfers between the applicant’s own accounts and other income left out.
Monthly figures
| Month | Regular income | Other income | Housing | Debt payments | Regular bills | Other spending | What is left |
|---|---|---|---|---|---|---|---|
| 2026-04 | €2,850 | €0 | €950 | €476 | €168 | €580 | €676 |
| 2026-05 | €2,850 | €282 | €950 | €492 | €190 | €704 | €514 |
| 2026-06 | €2,850 | €0 | €950 | €482 | €178 | €697 | €542 |
| 2026-07 | €2,850 | €259 | €950 | €465 | €196 | €651 | €588 |
| 2026-08 | €2,850 | €343 | €950 | €544 | €182 | €1,343 | −€170 |
| 2026-09 | €2,850 | €0 | €950 | €447 | €192 | €630 | €630 |
| Average | €2,850 | €147 | €950 | €485 | €185 | €767 | €463 |
Payees and categories
The page makes a first guess for each payee from words in its description and whether it appears regularly. Change any category and every figure updates.
| Payee | Direction | Months seen | Average a month | Category |
|---|
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Use the same sorting as rules in the credit decision on every applicant’s transaction data, and test each change to the rules on past applications. Start free
Calculation method
Months used = Full months from first to last Regular payee = Months it appears ≥ 60% × Months used, At least two months; At most twice a month for money out Regular income a month = Sum of Regular income ÷ Months used What is left = Regular income − Housing − Debt payments − Regular bills − Other spending Debt payments as share of income = Debt payments ÷ Regular income
A partly covered month at the start or end is left out. Categories are a first guess from descriptions and repetition, and you check them in the payee table.
Bank statement analysis for lending
Bank statement analysis for lending groups transactions by payee, then sorts money into regular income, housing, debt payments, regular bills and other spending. Monthly averages show what is left after those outgoings.
These figures give an affordability check a monthly view of income and outgoings. Review the payee categories, change any first guess, then open the affordability calculator with the figures filled in.
Common questions
What is bank statement analysis for lending?
It groups bank transactions into income, housing, debt payments, bills and spending. This tool shows monthly averages and what is left after the outgoings.
How do I calculate income and expenses from a bank statement?
Group transactions by payee and sort each payee into a category. This tool shows the monthly averages for regular income, housing, debt payments, regular bills and other spending.
How can I find existing debt payments in bank transactions?
Review the payees and set the category for loan, credit card or pay later payments to debt payments. This tool includes that category in the monthly figures.
What does cash flow underwriting mean?
It uses bank transaction data to understand income and outgoings over time. This tool groups transactions by payee and shows monthly averages for an affordability check.
How can I check affordability from a bank statement?
Work out monthly regular income, housing, debt payments, bills and other spending from the transactions. This tool fills those figures into the affordability calculator for you to test against your rules.