BusinessDebt payoff plan
Debt payoff plan for your loans and cards (not financial advice)
Pricefrom $15
Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
Example for the Standard package
Bank statement breakdown: a freelance photographer, Q1
Sample of categorized transactions
| Date | Description (as in statement) | Amount | Category |
|---|---|---|---|
| Jan 04 | POS LENSHOUSE RENTALS | −$185.00 | Equipment rental |
| Jan 05 | ACH CLIENT HARRIS WEDDING DEP | +$1,200.00 | Client income |
| Jan 09 | CLOUDVAULT STORAGE MONTHLY | −$11.99 | Software & subscriptions |
| Jan 12 | SHELL STATION 2214 | −$54.30 | Travel – fuel |
| Jan 18 | PHOTOEDIT PRO ANNUAL | −$239.88 | Software & subscriptions |
| Jan 21 | TRANSFER TO SAVINGS | −$800.00 | Transfer (not an expense) |
| Feb 02 | PRINTLAB ONLINE ORDER 5521 | −$96.40 | Prints & albums |
| Feb 14 | VENMO R. DALTON | −$150.00 | Needs your decision |
Monthly summary
| Category | Jan | Feb | Mar | Q1 total |
|---|---|---|---|---|
| Client income | $4,850 | $3,200 | $6,100 | $14,150 |
| Equipment rental | $370 | $185 | $410 | $965 |
| Software & subscriptions | $287 | $48 | $48 | $383 |
| Prints & albums | $142 | $96 | $318 | $556 |
| Travel – fuel & parking | $211 | $164 | $297 | $672 |
| Marketing | $60 | $60 | $185 | $305 |
| Personal (excluded) | $1,420 | $1,265 | $1,390 | $4,075 |
Control check: the sum of all categories plus transfers matches the statement balance change for each month (difference $0.00).
Subscriptions and repeat payments
- CloudVault Storage — $11.99 monthly, 3 charges
- PhotoEdit Pro — $239.88 yearly, renews Jan 18 next year
- Portfolio site hosting — $24.00 monthly, 3 charges
- Gallery delivery service — $12.00 monthly, charged twice in February (Feb 3 and Feb 4): looks like a duplicate, worth disputing
Your decision needed (7 items)
- Feb 14, Venmo to R. Dalton, $150 — second shooter for a session or personal?
- Mar 03, HOMEGOODS, $86.20 — studio props or household?
- Mar 22, cash withdrawal $300 — what was it spent on?
This breakdown is not tax advice. Please have your accountant review the categories before filing.
Client: Maya Torres, freelance wedding and portrait photographer. Input: checking account and business card statements, January–March, 412 transactions. Purpose: prepare figures for her accountant and see where the money goes.
The client and all details are made up.
About this service
Send your bank or card statements as PDF files downloaded from online banking or as Excel, and tell us what the breakdown is for. We give every transaction a category from your list or from a standard one for freelancers, households or small shops, total each month and point out subscriptions and repeat payments. This is not tax or financial advice, so have an accountant in your country check the result before you use it for taxes or reports.
What is included
- What you getAn Excel workbook and a PDF summary: every transaction with its date, description, amount and category, totals by category, a control total for each month to compare with the statement, recurring payments and subscriptions, and the transactions that need your decision; from Standard, a month-by-category summary. Totals are values without live formulas.
- A category for each transactionFrom your list or a standard one
- Totals and control sumsPer category and per month, to check against the statement
- Monthly summaryFrom Standard: each category month by month
- Subscriptions and repeat paymentsListed with amount and frequency
- Your decision neededUnclear transactions kept apart
- Several accountsIn Premium: up to 5 statements in one workbook
How it works
- 1BriefYou upload statements and choose the categories
- 2SortingWe give every transaction a category
- 3TotalsWe total each month and compare with the statement
- 4DeliveryYou get the workbook and the summary
What we need from you
Statements as PDF with selectable text or Excel (up to 5 files), the period and currency, what the breakdown is for and your own category list if you have one. Hide account and card numbers before sending; we never need access to your bank.
We will ask you:
- What is the breakdown for?
- Do you have your own list of categories?
- Which period and currency do the statements cover?
- Are there transactions we should treat in a special way?
Compare packages
| Packages | BasicUp to 150 transactions$12 | StandardUp to 500 transactions, monthly summary$25 | PremiumUp to 1,000 transactions, several accounts$45 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 3 days |
| Revisions | 1 | 2 | 3 |
| Transactions | up to 150 | up to 500 | up to 1,000 |
| Monthly summary | No | Yes | Yes |
| Accounts | 1 | 1 | up to 5 |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Is this tax advice?
No. It is a breakdown of your transactions, not tax or financial advice. Have an accountant in your country check it before you use it for taxes.
Will you file my tax return?
No. We do not file returns or promise deductions; you or your accountant use the breakdown.
Do you need access to my bank?
No. Download the statements yourself and hide account and card numbers before you upload them.
My statement is a scan. Will that work?
A scan without a text layer is not accepted. Download the statement again from online banking as a PDF or Excel file.
Can I trust the totals?
Each month has a control total to compare with your statement. The cells hold values, so recheck key totals with a pivot table in Excel.
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