Appendix FM financial-requirement cases turn on two things: the income level and the evidence trail proving it. Caseworkers cross-check employer letters and payslips against bank credits across the full qualifying period — six or twelve months depending on the route — and any month where the credit is missing, short, or from an unexpected payer invites refusal. A bank statement analyser maps every credit by payer, amount, and month, making gaps visible before submission rather than after a decision.
Consistency beats totals. Salaried applicants need matching payer patterns each month; self-employed applicants need business income traceable through business and personal accounts with transfers clearly separated from real earnings. The analyser's salary-like versus business-like split documents exactly that distinction, with month-by-month tables a representative can cite in a cover letter.
Cash savings routes need the opposite proof: stable or growing balances held for the full period, with no large unexplained deposits near the end. Minimum, maximum, and month-end balance trends across the whole window show the requirement was met continuously, not assembled last-minute.
Organise the bundle before paying the fee. Convert every statement to Excel with the free Bank Statement Converter for a paginated, searchable record, then run the same files through the free Bank Statement Analyser to confirm income, flag anomalies, and reconcile every balance the Home Office will add up.