Your card statement is read on your phone.

Ekstre Analiz is a mobile app that reads credit card statement and account summary PDFs so you can track spending without typing transactions in. It is published for iOS and Android. You download the statement PDF from your bank's own app, add it to Ekstre Analiz, and the transaction lines are extracted, sorted into categories, and turned into a monthly budget view.

The app does not connect to your bank account. It asks for no bank username, no password, and no open banking authorisation. It reads a document you already have — nothing more.

That approach has two concrete consequences. One: because you grant no access to your account, the security relationship between you and your bank is untouched, and there is no connection you later have to revoke. Two: the sensitive fields inside the statement — the last digits of the card number, merchant names, amounts, dates — are not moved to another computer in order to be read. The document opens on your device, is parsed on your device, and the result is stored on your device.

The app gathers several credit cards into one view, lists how much of each instalment plan is left to pay, and separates recurring charges into their own section. You can also add cash income and expenses by hand so that a whole month sits in one place rather than split across a card statement and a notebook.

Bank statement layouts are largely fixed. For those layouts the app uses prepared parsing templates: line positions, column order and date format are known in advance, so transactions are extracted directly and no AI is involved. That route is both fast and predictable.

The AI steps in where that route breaks down — when your bank changes its layout, when you add a document from an institution that is not on the list, or when the PDF is split in an unexpected way. At that point open-source Qwen models read the text and try to extract the transaction lines. The model is not queried on a server; it runs on your device.

The app offers several model tiers. The small tier is Qwen 2.5 1.5B. The larger tiers use Qwen3-4B and Qwen3-8B. You choose which tier to install; your device's memory and free storage decide what makes sense.

The model has to be downloaded. It is not bundled inside the app. It is fetched to your device once, when you start using the analysis, and takes roughly 1 GB to 4.6 GB depending on the tier you pick. That download needs an internet connection one time. Once it has finished, parsing runs offline — you can switch on airplane mode and try it.

To be straightforward about the trade-off: a model that runs on a phone is smaller than a huge model running in a data centre. On a layout it has not seen, it is not guaranteed to extract every line correctly, and a large document can take a while depending on how powerful the phone is. You can correct any line or category inside the app, and your corrections are reused in later periods.

This list describes which document layouts the app recognises. It does not imply any official relationship, partnership or endorsement with the institutions named; the brand names are used solely to indicate which statement format can be read.

You can also add a document from a bank that is not on the list. In that case the model takes over from the template and tries to extract the transactions from the text. How well it does depends on the document: PDFs produced directly by a bank contain a text layer and parse well. A scanned or photographed document has no text layer, which makes extraction markedly harder.

The free version is enough to check whether your own statement is read correctly — upload two documents a month and inspect the result yourself.

The free version includes two statement uploads a month, one card, three tracked subscriptions and unlimited income and expense entries. That is enough to start tracking spending and to see whether the app reads your particular bank's document properly.

AI-assisted categorisation and the analysis charts are paid features — they are not the default behaviour of the free version. They are included with Pro or can be bought as separate packs. Cloud backup is likewise optional and paid.

Current subscription options, packs and the amounts that apply in your region are shown on the App Store and Google Play product pages. Your device shows you the applicable amount before you confirm a purchase.

You can begin in guest mode without registering. Signing in with Apple or Google is supported; an account is required for the features that need a server, such as cloud backup and family sharing.