A year of bank statements, in one ledger that adds up.
Footing checks every line against the running balance your bank printed, and every statement’s opening and closing balances must reconcile. When a page does not add up, it tells you which page and which line, and it will not hand over a ledger that does not balance.
Drop your bank statements here
PDFs from any bank, downloaded or scanned, or photos of paper statements. Several months at once is fine.
Up to 15 pages a day, free.
Read in memory and never stored. What happens to a statement
Or try it with three sample statements, with nothing to upload.
Any bank, any layout, downloaded or scanned. The ledger comes as an Excel workbook: every line with its category and the page it came from, a month-by-month summary, and a check sheet that adds it all up again.
Pomeroon Bank, August 2026, a sample statement
- Opening balance
- 1,890,907.75
- Money in, 27 lines
- + 2,250,924.55
- Money out, 25 lines
- − 1,352,824.70
- Worked out
- 2,789,007.60
- Closing balance on the statement
- 2,789,007.60
What you get
One Excel workbook, with three sheets.
- The ledger
- Every line from every statement, oldest first: date, description, money in, money out, the running balance, a category, and the page and line it came from.
- Month by month
- Money in and out for each account by month and category, with totals.
- The check
- Each statement added up again, and each month carried to the next. The balances are formulas, so the workbook proves itself in Excel.
| Date | Description | In | Out | Balance | Check | Page, line |
|---|---|---|---|---|---|---|
| 3 Aug | STANDING ORDER - LOAN REPAYMENT LOAN ACCT XXXX-2083 INSTALMENT 15 OF 36 | 68,450.00 | 1,822,457.75 | 1, 1 | ||
| 3 Aug | POS MERCHANT SETTLEMENT | 128,406.80 | 1,950,864.55 | 1, 2 | ||
| 3 Aug | MOBILE TRF CR - BOOKING LISA N. | 42,000.00 | 1,992,864.55 | 1, 3 | ||
| 4 Aug | CASH DEPOSIT - CAMP ST BRANCH | 145,000.00 | 2,137,864.55 | 1, 4 | ||
| 4 Aug | POS PURCHASE - GROCERY WHOLESALE | 58,219.65 | 2,079,644.90 | 1, 5 | ||
| 5 Aug | ELECTRICITY BILL PAYMENT | 91,384.00 | 1,988,260.90 | 1, 6 | ||
| 5 Aug | TRF CR - BOOKING ANDRE W. | 64,000.00 | 2,052,260.90 | 1, 7 |
The first lines of a sample ledger. Open the whole sample
How it checks
Reading a statement is the easy part. What matters is knowing the figures are right, so Footing never adds anything up by guesswork: the reading only copies what is printed, and the arithmetic is done afterwards, to the cent.
Every line against the running balance
The balance the bank printed after each line must equal the balance before it, plus money in, less money out. When a statement prints the balance once a day, the lines of that day are checked together.
Every page against the next
What a page carries forward must be what the next page brings forward.
Every statement from end to end
The opening balance, plus everything in, less everything out, must equal the closing balance to the cent, and any totals the statement prints must agree with its lines.
Statements grouped by kind
Some banks list deposits, cheques and fees in separate groups. Each group must add up to the total printed under it, and each day's closing balance must agree with the lines dated up to that day.
One month to the next
A month's closing balance should be the next month's opening balance. When it is not, or a month is missing, Footing says so.
When it does not add up
The page is read again. If it still does not add up, you are shown the page and the line, and the workbook waits until it does.
Your statements are not kept
Your browser splits each file into pages. Each page is read on our server in memory and let go as soon as its figures come back. The workbook is written from those figures and sent straight to you. Nothing is stored: not the file, not the pages, not the figures.
What it costs
Free while it is new: up to 15 pages a day and 30 a month for each person. The sample statements are always free and never count.
Questions
- Which banks can it read?
- Any bank that prints a statement. Footing reads the page itself rather than matching a list of known layouts, and it has been tried on sample statements laid out like a Guyanese bank's, a US bank's, and a scanned paper statement. Whatever the layout, the check is the same: if the figures do not add up, you are told where.
- What happens when a page does not add up?
- That page is read a second time. If it still does not add up, you see the page and the line, and you can type in what the statement shows; every check runs again as you save. The workbook is held back until everything adds up, and its check sheet lists every line changed by hand.
- What if my statement prints no running balance?
- Then it is checked through whatever it does print: opening and closing balances, totals, group totals and daily balances. A statement that prints none of these cannot be checked, and Footing says so rather than guess.
- Can it read a PDF that has a password?
- Not yet. Open the file, save or print it as a new PDF without the password, and add that.
- Are the categories right?
- They are suggestions from each line's description. Change any of them and the month-by-month summary follows. The figures themselves are never suggested: they are read as printed and checked.