Runs entirely on your device — nothing is uploaded
Tick to continueThis adviser tool can:
- Collate and organise 6 months of bank statements
- Automatically identify relevant transactions and annotate with your explanations
- Automatically categorise relevant transactions and highlight them
- Generate a summary aligned with categories on the Home Office form
- Help you assess whether the applicant can afford the fee
What it doesn't do:
- Provide legal advice or determine eligibility
- Submit anything to the Home Office, or send your data anywhere else
- Use AI chatbots ('LLMs') or process your data on a server
Ultimately, this tool gives you a well-organised starting point for your own assessment. It does not tell you whether an application will succeed. It works entirely on your device (How?)
Reads digital and scanned statements, on this device
Read on this device onlyImported transactions can be checked
25 transactionsCheck the transactions read from the bank statements, explain the larger payments, then (optionally) categorise the payments that repeat. Work through the views in turn.
Did everything load correctly? ✎ You can fix anything the automatic read got wrong: delete anything that isn't a real transaction, change dates, descriptions or amounts, or change whether money is going in or out.
Larger payments flagged for a quick explanation
25 transactionsCheck the transactions read from the bank statements, explain the larger payments, then (optionally) categorise the payments that repeat. Work through the views in turn.
Every transaction of £250 or more - in or out - is listed below. Record a short, accurate explanation for each. A payment that repeats is grouped together so it only needs explaining once.
Recurring payments grouped and categorised
25 transactionsCheck the transactions read from the bank statements, explain the larger payments, then (optionally) categorise the payments that repeat. Work through the views in turn.
This step is optional. Categories reflect those used in the online application form. The tool groups transactions according to the description. If slightly different descriptions have been used, they may be split into extra groups.
Statements annotated by category, ready to submit
Monthly income and expenditure, from the statements
You can see a summary of the regular (recurring) transactions found across the client's bank statements, below organised by category. These have been used to generate provisional figures for monthly income and expenditure. You can override these figures.
Regular transactions — monthly average evidenced in statements
Recurring payments only, averaged across 3 complete statement months. Type a different figure into any box to override it.
Fee, IHS and affordability check worked out for you
✎ Click to jump to section · ✱ Statement figure manually overridden