Credit card statements · read in full
Every credit-card statement, read for you.
Forward each month’s statement email to your private cardkhata address, or upload the PDF yourself. It unlocks the password-protected file, itemises every transaction, rebuilds your EMI schedules, and tracks the spend that gets your annual fee waived — across every card you hold, from any issuer.
Statements only. No bank login, no OTP, no card number.
28/06SWIGGY*ORDER 8471 BANGALORE IN487.00
28 Jun · Swiggy · Food & Dining₹487
05/07EMI 09/18 PRN 2171.44 INT 178.562,350.00
5 Jul · iPhone 16 EMI · 9 of 18 paid₹2,350
12/07LATE PAYMENT CHARGES450.00
12 Jul · Late payment fee · Fees & interest₹450
All figures on this page are synthetic sample data — not a real cardkhata account.
How it works
Three steps. No spreadsheet.
- 01
Forward or upload a statement
Email it to your private cardkhata address, or drop the PDF in directly.
- 02
We auto-read any issuer
The password comes off and every line is parsed — a parser for issuers we know, a model for one we’ve never seen.
- 03
Get the analysis
Categories, EMIs, recurring charges and a read on the month — before you’d have finished skimming the PDF.
What it reads
It was always in the statement. Now it’s legible.
Spends
A ledger, a donut, a month-by-month view.
Every statement, one categorised ledger — compare months at a glance.
Report
Limits, dues and EMIs — one screen.
Limit, dues and EMI share — per card and combined.
Tags
Tag anything, then filter by it.
Tag it once — “work”, “Goa” — and filter every statement by it.
Recurring
Every subscription, spotted for you.
Repeating charges flagged, so nothing renews quietly.
Family spends
One login, every card in the house.
The whole household’s cards — no passwords shared.
Spending personality
A read on your month, not just a number.
An AI take on your month — what’s new, what’s worth a look.
Ask your spends
Ask a question, get the rows behind the answer.
Type it as you’d say it — the figures come from your statements.
Multi-issuer parsing
Any issuer’s statement, understood.
HDFC to OneCard and beyond — parsers first, AI for the rest.
Privacy
Your data stays yours.
No bank login, no OTP — just the PDF you forward.
Where the AI earns it
It reads the question. Your statements answer it.
Personality · 12 months
Your spending personality
A short, slightly pointed read on your last twelve months — written from your own category totals.
- Every claim in it is a figure you can go and check.
- Anything marked “not my spend” stays out of it.
- A recorded refund comes off the charge first.
- Re-reads itself when your spending actually moves — not every time you open it.
Search · ⌘K
Ask about your spends
Press ⌘K anywhere and ask in plain words.
- Misspell the shop — it still finds it.
- Every answer arrives with the transactions behind it.
- The model decides what to look for; the arithmetic is done over your statements, to the rupee.
Pricing
One plan, priced two ways.
Monthly
12 × ₹149 = ₹1,788 a year
- Every issuer we support
- Unlimited statements, every card
- Family spends
- AI spending personality
Annual
₹1,199 ÷ 12 ≈ ₹100 a month
- Everything in Monthly
- Unlimited statements, every card
- Family spends
- AI spending personality
Or explore the live demo first — no sign-up needed.