Public methodology
How the five statement checks work
Methodology version: one-statement-2026-08-v1
Marginr is a screening tool, not an audit opinion. It turns statement lines you review into five owner-actionable checks. Calculations are kept separate from judgment parameters, and no amount becomes confirmed savings without source evidence and a practical action.
The honesty model
- “Worth checking” is not savings. It is an annualised screening estimate that deserves a document or contract review.
- Judgment parameters are labelled. They help rank attention; they are not observed outcomes, clinical standards, or proof of recoverability.
- The model reads; code calculates. The extraction model identifies printed lines and periods. Deterministic application code performs the arithmetic.
- Confirmation requires evidence. A source document must support the amount and there must be a practical action available.
What the statement reader extracts
You can upload up to five PDF or CSV bank, card, or merchant statements from one representative month, or enter recurring lines manually. The reader looks for recurring vendor descriptions, printed period totals and cadence, merchant fees, processed volume or deposits, finance payments, and the statement period. You review the extracted lines before they enter the calculation.
The service is for business-only financial statements. Do not upload patient records, treatment information, or protected health information. See the Privacy Policy for file handling and processor terms.
One charge enters one check
The engine partitions each reviewed line once so the same charge cannot inflate more than one opportunity. The order is merchant processing, finance or lease payments, charges nobody can identify, owner-confirmed duplicate accounts, recognised discretionary inventory, then unpriced context. A line assigned to an earlier category is excluded from every later one.
The five calculations
- Recurring inventory: annualised discretionary inventory spend × 10%. The 10% is a screening parameter for negotiation or consolidation, not a promised price reduction.
- Charges nobody can name: annualised unrecognised recurring spend × 20%. This assumes only part may prove removable after the owner identifies each charge.
- Merchant processing: printed fees divided by stated gross processed sales for the same period. When gross sales are unavailable, deposits plus fees are shown as an explicitly labelled estimate. The engine applies 50% to the annual amount above a 2.7% rate; the 2.5–2.7% band is a working comparison, not a market guarantee.
- Duplicate vendor accounts: the smaller annualised line in each owner-confirmed overlap × 50%. Similar names alone do not count; the owner must confirm the overlap.
- Finance and lease outflow: annualised finance or lease payments × 5%. This is a review parameter for refinancing or term checks, not an assumption that debt can be cancelled.
Annualisation follows the printed cadence for the supplied representative statement period. Weekly, biweekly, and monthly period totals use 12; quarterly totals use four; annual totals use one. The extraction model does not invent a monthly equivalent or annual figure.
Plausibility and result states
Marginr flags missing or internally inconsistent inputs instead of forcing a number. A check can be priced, present but unpriced, or absent. The readout is priced when every applicable check can be evaluated, partial when at least one can be evaluated and another needs context, unpriced when reviewed lines exist but cannot support an honest estimate, and unknowns when too little was confirmed.
Owner-only savings and the negotiation tier
The free readout shows the owner-actionable statement checks above. Marginr's research also models a separate negotiation tier at 3.6 times the owner-only opportunity. That research multiple is contextual and is never silently added to the free result. Read the assumptions and limits in the Discounted Margin Flow research.
What the check cannot establish
Automated extraction can misread a statement, which is why every line must be reviewed. The check cannot determine whether a service is useful, whether a contract permits cancellation, whether a lender will refinance, or whether a supplier will negotiate. The Full Margin Audit reads the underlying documents and removes unsupported amounts.
Nothing in the readout is accounting, tax, legal, clinical, dental, or financial advice. See the Terms of Use.