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The short version
Northwind Bakery LLC sent 12 bank statements from a checking and a savings account and 6 credit card statements, January to June 2026. DocuClipper converted all 18 and every period reconciled to its printed opening and closing balances. No month is missing. Average monthly income is 43,499 from 5 recurring sources, after leaving out 26,479 of transfers between the bakery's own accounts and credit card payments. There are no NSF or overdraft fees and no days below zero, and the business took in 5,709 a month more than it spent.
Download the sample report (PDF, 14 pages)
Every report's headline in the sample
| Report | Question it answers | Result in the sample |
|---|---|---|
| Packet summary | What did the client send? | 18 documents: 12 bank statements (2 accounts, Jan 2026 to Jun 2026) and 6 credit card statements (1 account). All 18 periods reconcile. |
| Coverage | Is any month missing? | No gaps: each of the 3 accounts has a statement for every month between its first and last statement. |
| Income | Where does the money come from? | Average monthly income 43,499 over 6.0 months, 5 recurring sources paying 41,821 a month. |
| Risk flags | What is the account costing the client? | No NSF or overdraft fees, returned items or negative-balance days found. Monthly income steady (11.5% variation). |
| Cashflow | Is more going out than coming in? | Net inflow 5,709 a month over 6 months; net position up 82.5% (41,546 to 75,801). |
| Transfers | Which deposits are just money moving between the client's own accounts? | 13 transfers between own accounts totalling 26,479. |
| Recurring | What does the client pay every month? | 7 recurring payees, 5,408 a month; 0 recurring deposits. |
| Flow of funds | Where did the money come from and go? | Money in 258,672, 100% from Sales; money out 224,417, 41% to Payroll. 26,479 moved between own accounts. |
On Business and Enterprise plans and the free trial, the report also has an Authenticity section: a 0-100 score per document for signs of editing (how the score works).
Income sources, from the Income report
Deposits grouped by payer, with how often each one pays. Total income 258,671.54 over 6 months; 26,478.73 left out as own-account transfers and credit card credits, each listed with its reason in the PDF.
| Source | Cadence | Deposits | Monthly equivalent | Total |
|---|---|---|---|---|
| Card Settlement Firstpay | Weekly | 27 | 34,312.16 | 212,620.75 |
| Greenleaf Cafe Wholesale | Twice a month | 12 | 3,667.10 | 22,069.96 |
| Hilltop Grocery Co-op | Monthly | 6 | 2,615.02 | 15,708.48 |
| Check and cash deposits | Monthly | 6 | 1,215.14 | 7,253.05 |
| Interest and dividends | Monthly | 6 | 11.55 | 69.30 |
What else is in the 14-page PDF
- Each statement period with its opening and closing balance, transaction count and reconciliation result.
- An account-by-month coverage grid.
- Every deposit with how it was counted (income, own-account transfer, credit card payment) and why.
- Income by month, split into recurring, one-off and other.
- Fee, returned-item and negative-balance detail with the lowest balance.
- An appendix listing all 18 documents with their periods and reconciliation status.
Sample report: FAQ
DocuClipper's report starts with a packet summary of every document (account, period and whether it reconciles to the printed balances), then one section per report: Coverage (missing months), Income (deposits by payer, average and recurring monthly income), Risk flags (NSF, returned-item and overdraft fees, negative-balance days), Cashflow (money in, out and net by month), Transfers between the client's own accounts, Recurring payments and Flow of funds. On Business and Enterprise plans and the free trial it also includes Authenticity, a 0-100 score per document for signs of editing. An appendix lists every document.
No. The statements were generated for a fictional business, Northwind Bakery LLC, with masked account numbers, and run through DocuClipper like any other upload. The PDF is the report DocuClipper produced from them, unedited.
Deposits are grouped by payer. Transfers between the account holder's own accounts and credits on a credit card account (payments or merchant credits) are left out, and each excluded deposit is listed with the reason. In the sample, 13 deposits totalling 26,479 are left out: 7 own-account transfers (14,000) and 6 credit card payments and credits (12,479).
Yes. Upload the client's bank and credit card statements to one DocuClipper project, open the Report tab, and click Download PDF or Download Excel. The Report tab is on every plan and in the 14-day free trial, and reports use no pages.