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Revenue. Intelligence. Visibility. Oversight. Reporting.

Turn bank files and P&L reports into clear financial insight.

Upload bank files or P&L reports. RIVOR turns them into clear dashboards, plain-English summaries, and downloadable reports.

No accounting app connection required. Upload the files you already have.

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Bank files P&L reports Dashboards & PDF exports

Current workflow

Income $14.2k Spend $6.8k Net $7.4k

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Spending Mix

Why RIVOR matters

Most financial files do not come with clear answers.

Most small business owners have financial files, but not always the time or tools to turn them into clear answers.

No accounting app required

Upload bank files or P&L reports you already have. RIVOR helps organize the numbers without requiring a QuickBooks, Xero, or bank connection.

Built for review, not bookkeeping

RIVOR is not trying to replace your accounting system. It helps you review activity, spot trends, and turn financial files into easier-to-read summaries.

More repeatable than a one-off AI chat

Instead of pasting numbers into ChatGPT every time, RIVOR keeps your uploads, saved analyses, reports, usage, and workflows in one place.

Full workflow

A cleaner way to review business financial files.

Start with the file you already have and move from upload to a clear read on revenue, spending, and next questions.

1

Upload the file you already have

Upload a bank CSV, PDF bank statement, or Profit & Loss report.

2

Let RIVOR organize the numbers

RIVOR categorizes transactions, summarizes activity, or explains your P&L in plain English.

3

Save, compare, and export

Revisit saved work, download PDF reports, and use AI credits for deeper explanation or scenario planning.

Need a P&L explanation?

Upload a Profit & Loss report from QuickBooks, Xero, FreshBooks, Wave, Zoho Books, Sage, or your bookkeeper.

No accounting app connection required

Upload what you already have. RIVOR supports both bank analysis and P&L explanations without asking you to connect another system first.

What You Get

What you can do with each upload

RIVOR keeps bank analysis, P&L explanation, saved work, and follow-up reporting in one place.

Analyze bank activity

Review income, spending, categories, and monthly trends from bank CSVs or eligible PDF bank statements.

Explain P&L reports

Upload a Profit & Loss report and get a plain-English breakdown of revenue, expenses, and margins.

Use reports you can actually share

Downloadable PDF summaries, P&L explanation reports, bank activity summaries, and monthly income and spending breakdowns.

Use AI credits for deeper explanation

AI credits are used for deeper explanations, P&L analysis, report summaries, and scenario interpretation.

Keep saved work in one place

Revisit saved analyses, compare past uploads, and keep recurring review work inside one workflow instead of rebuilding it each time.

Plan with scenarios on Premium

Model changes and create scenario planning summaries when you need to test next-step ideas.

How RIVOR fits

How RIVOR fits with the tools you already use

RIVOR is built for the review layer between raw files and the next decision you need to make.

QuickBooks / Xero

Great for bookkeeping. RIVOR helps turn exported reports and bank files into simpler review dashboards and plain-English summaries.

ChatGPT / Gemini

Great for general questions. RIVOR gives you a repeatable workflow with uploads, saved reports, usage tracking, and financial-specific structure.

Spreadsheets

Flexible, but manual. RIVOR helps reduce the time spent cleaning files, categorizing activity, and formatting reports.

Bookkeepers / accountants

RIVOR does not replace professional advice. It helps you prepare better questions and review your numbers before meetings.

Choose the plan that fits your workflow.

Start with the basics on Free, move into recurring monthly review on Pro, or add more capacity and planning tools on Premium.

Transactions processed

Rows RIVOR reads from uploaded bank files or statements.

AI credits

Used for deeper explanations, P&L analysis, report summaries, and scenario interpretation.

Compare full pricing

Billing And Add-ons

Add capacity without changing plans.

Paid plans support monthly, 6-month, and yearly billing. Pro and Premium can also add AI credits or enrichment during the current billing period.

$5

1,000 enriched transactions

Add more merchant and category cleanup without switching plans.

$5

50 AI credits

Buy more AI credits for deeper explanations, P&L analysis, and report summaries.

$10

125 AI credits

Best for teams that need more recurring explanations and summaries.

$20

300 AI credits

For businesses that need more AI-assisted analysis without changing plans.

Billing options

Paid plans are available monthly, billed every 6 months with a 10% savings, or billed yearly with a 15% savings.

Historical imports

New accounts get extra onboarding uploads during the first 30 days: 10 on Free, 75 on Pro, and 150 on Premium.

Explore By Need

Use the page that matches the workflow you want to explore.

Explore the bank statement analyzer, CSV transaction analyzer, PDF bank statement analyzer, and small business financial dashboard pages to see how the workflows connect.

PDF bank statement analyzer

Learn how eligible PDF bank statements turn into a cleaner review workflow for monthly financial reporting.

Explore the PDF workflow

CSV transaction analyzer

Upload exported CSVs and turn raw bank activity into readable categories, summaries, dashboards, and reports.

Explore the CSV workflow

Small business financial dashboard

Review monthly results, saved work, reports, and AI-assisted context from one small business financial dashboard.

Explore the dashboard page

Need the plan details before you start?

The pricing and FAQ pages explain uploads, transactions processed, enriched transactions, AI credits, billing cycles, and what changes between Free, Pro, and Premium. The Resources library also includes practical guides for bank statements, CSV exports, and monthly financial reporting.

  • CSV uploads on every plan
  • PDF bank statements on Pro and Premium
  • Saved analyses, reports, and monthly breakdowns
  • AI credits, Premium planning, and paid add-ons
See pricing Read FAQs

Explore RIVOR Insights.

Start with the page that answers your next question: workflow, demo, use cases, trust, or resources.

How It Works

See both product paths: bank analysis for transaction visibility and Explain My P&L for clear report breakdowns.

Review the workflow

Demo

Watch the walkthrough to see how RIVOR organizes business activity into dashboards and reports.

Watch the demo

Use Cases

Explore how cafes, restaurants, contractors, and bookkeepers use RIVOR for monthly reporting.

Explore use cases

Security & Privacy

Read the trust overview, then review Privacy and Terms before uploading financial files.

Read the trust overview

Resources

Browse practical articles on PDF bank statements, CSV exports, categorization, and monthly financial reporting.

Open the resources library

Helpful resources for small business financial reporting.

Use these guides to sharpen bank statement review, understand the difference between PDF bank statements and CSV transaction exports, and build a cleaner month-end reporting routine.

Illustration of a PDF bank statement being reviewed
6 min read PDF bank statement analyzer

How to Analyze a PDF Bank Statement for Your Small Business

Review income, expenses, transfers, fees, recurring charges, and unusual activity more confidently.

Read guide
Illustration comparing a statement document with a transaction table
5 min read CSV transaction export

PDF Bank Statements vs CSV Transaction Exports: Which Should You Use?

See how each file type supports bank statement review and small business financial reporting.

Read comparison
Illustration of a monthly financial reporting checklist
7 min read Monthly financial report

Monthly Financial Reporting Checklist for Small Business Owners

Use a repeatable process for income and expense tracking, transfers, recurring costs, and final reports.

Read checklist