StatementLock Guide
Everything you need to get the most out of StatementLock — from your first upload to rule-based categorization you control, the AI financial report, privacy, and troubleshooting. Prefer to explore hands-on? Try the live demo.
Words together means all of them. AND, OR and NOT in capitals, "quotes" for an exact phrase, and brackets to group. Searching happens in your browser. What you type is not sent anywhere.
Set up StatementLock: choose a local folder, drop your bank and credit-card PDF statements, and review income, expenses, and spending. Requires Chrome or a Chromium-based browser.
How StatementLock checks the AI's extraction against your statement's own printed totals — the five states, what each one asks of you, and what reconciliation does and doesn't prove.
What each money figure covers: the Overview cards span every spending account you've loaded, the Cash Flow tab covers checking only, and card payments are counted once rather than twice.
How to read the source tags on a statement's printed totals — read by the AI, entered by you, not read — and why a saved statement keeps its tags until a check re-runs.
How StatementLock categorizes: built-in merchant patterns and your own keyword rules assign every category locally on your device — the AI extracts transactions but does not assign categories.
Use the StatementLock Rule Builder: click word chips to require or exclude terms and scope a rule to one account for precise, inspectable categorization.
Handle one-off exceptions in StatementLock — like a single electronics purchase at a grocery store — by editing the description or using the date chip to build a more specific rule.
Create and manage your own spending categories in StatementLock to match how your household thinks about money, alongside the built-in categories.
StatementLock rule syntax: AND (+), NOT (−), how hyphens are handled, and how rule priority picks the most specific match.
What the StatementLock AI report covers: income and spending analysis, a subscription audit, fraud and anomaly flags for you to review, and trackable action items.
Open the original statement PDF behind any transaction in StatementLock — from your own local folder, at the page where the charge appears — to verify amounts and context.
How StatementLock handles your statements: your files stay in the folder you chose, each statement is sent to our AI provider to be read, and nothing is stored on our servers.
Get more from StatementLock: bulk-drop PDFs, trim dates, sort and edit rules inline, rename transactions, and back up your rules and settings.
Troubleshoot StatementLock: the Chrome requirement, fixing a wrong category, missing transactions, truncated reports, and refreshing the Overview chart.
The Files tab in StatementLock: one card per statement with its verification result, opening the original PDF, deleting a statement, and clearing out analyses whose PDF is gone.
Delete a single account's data in StatementLock — removing the app's cached transactions and saved PDFs while keeping your original files, categories, and rules.
Inside the StatementLock local data folder: statements, cache, config, and reports — all stored on your own device.