Financial Intelligence Tool

Your business statement.
Analysed in under 60 seconds.

Upload a CSV or PDF from your bank or accounting software. The AI reads every transaction, categorises your income and costs, flags missed claims, and delivers a plain-English financial summary.

Try free now → Full subscriber version
lumixai.co.uk — Financial Intelligence Tool

Upload your CSV or PDF — results in under 60 seconds

Try it free →
How it works

Four steps from file to insight.

No manual data entry. No spreadsheet skills needed. Upload your existing business statement and let the AI do the work.

01

Upload your business statement

Export a CSV or PDF from your bank (Monzo, Starling, Barclays, HSBC, NatWest, Lloyds) or accounting software (FreeAgent, Xero, QuickBooks). Drag and drop it straight onto the tool. The AI handles the rest.

02

Select your business type

Tell the tool whether you are a sole trader or limited company, and whether you are VAT registered. This shapes how the HMRC allowability analysis is applied to your transactions.

03

AI categorises every transaction

The AI reads each line of your statement, classifies it as revenue, staff costs, premises, travel, marketing, subscriptions, equipment, or other, and applies the HMRC “wholly and exclusively for business” test to flag any items that need attention.

04

Get your financial intelligence summary

Total income, net position, estimated monthly tax set-aside, potential missed claims, items to review, and three specific actions based on what is actually in your data. Plain English. No jargon. Ready in under 60 seconds.

What you get

Six outputs. One upload.

Every analysis includes these six outputs as standard, based entirely on the transactions in your file.

📈

Income & expenditure summary

Total income, total spend, and net position for the period covered by your file. Broken down by income source and top cost categories.

🔍

Transaction categorisation

Every transaction classified into revenue, staff costs, premises, travel, marketing, professional fees, subscriptions, equipment, or bank charges.

📋

HMRC allowability flags

Items categorised as allowable, needing justification, or not allowable under HMRC’s wholly and exclusively for business test. Know what you can and cannot claim before you speak to your accountant.

💰

Tax set-aside estimate

Estimated taxable profit and a recommended monthly amount to set aside for tax, based on your income and allowable expenditure during the period.

Missed claim flags

Potential allowances that may be under-claimed or missing based on the transaction patterns in your data. Use Wear and Tear, use of home, mileage, professional subscriptions.

Three specific actions

Concrete next steps based on what is actually in your data. Not generic advice — actions specific to the income, costs, and patterns the AI has detected in your business.

Supported formats

Works with your existing data.

No new software. No integrations to set up. Export from whatever you already use and upload it directly.

PDF format

For digitally-generated PDFs

PDF statements work well for most UK bank PDFs that are digitally generated rather than scanned. The AI extracts and reads the transaction table directly from the file.

  • Monzo monthly PDF statements
  • Starling, Tide, Revolut Business PDFs
  • Most high-street bank PDF statements
  • Note: scanned image PDFs require CSV instead
Ready to try it?

Upload your business statement now.

Free version gives you an executive summary. Subscriber version gives you transaction-level analysis, tax estimation, missed claim identification, and a full PDF report.

Try free → Start free trial →

Not regulated financial or tax advice. Always consult a qualified accountant for tax decisions.