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Free Bank Statement Converter to Report/Analysis for South Africans
MyFinHealth lets you analyse your bank statement for free the first time, so you can understand your real financial health before paying for anything.
Upload a statement from any major South African bank to see where your money actually goes — including hidden fees, unnecessary spending, and cash-flow problems that don’t show up in your balance.
Drop your bank statement here
or click to find it on your computer
Drop your PDF here · Processed securely · Deleted right after
How It Works
Three steps. Five minutes. Full financial picture.
Upload Your Statement
Drop your PDF bank statement from any SA bank. Takes 10 seconds.
We Crunch the Numbers
Our AI categorises every transaction and compares you to SA benchmarks.
Get Your Report
A full financial health report with your score, spending breakdown, and tips to save.
Your Report, At a Glance
Click to explore the report pages
What's Inside Your Report
More than just numbers — real insights you can act on
Your Financial Health Score
A single number from 0–100 that tells you exactly where you stand — and how you compare to other South Africans.
Executive Summary & Key Ratios
Income vs expenses, savings rate, debt-to-income, emergency buffer — all your key numbers in one place, colour-coded so you know what needs attention.
Where Your Money Actually Goes
Every rand categorised. Groceries, transport, entertainment, loans — see your top spending categories ranked from biggest to smallest.
Follow the Money Flow
A visual map of how your salary splits across every expense category. Spot the money leaks you didn't know existed.
Your Balance Over Time
See exactly when your account dips and peaks throughout the month. Know your danger zones before they hit.
Plus: personalised tips, achievement badges & a downloadable PDF report
All from a single bank statement upload
What Our Users Say
Real stories from South Africans taking control of their finances
“Bro I had no idea I was spending R3k a month on takeaways. Like, I knew it was bad but not THAT bad. The Sankey diagram thing that shows where your salary goes is wild. Cancelled two subscriptions the same day.”
Thabo Mthembu
Johannesburg
“I've been meaning to sit down and go through my statements for months but who has time for that? Uploaded my PDF, made a cup of tea, and the report was done before I finished it. The savings rate number was a bit of a wake-up call honestly.”
Sarah van der Merwe
Cape Town
“Pretty solid tool. I run a small business so I need to keep an eye on cash flow. The balance trend chart showed me exactly when things get tight each month. Now I time my big payments better.”
Ronald William
Durban