Blog · November 8, 2026
Convert a bank statement PDF to Excel for free, with charts and a lender view
You can turn PDF bank statements into an Excel file on this site without paying, signing up or uploading anything: drop the PDFs, check the balance line, press Export Excel. The same run gives you categories, charts, your subscriptions and the income figure a lender would compute. Here is what the Excel file contains, how the analysis works and what to watch for.
The short answer
Bank Statement Analysis reads the PDF statements your bank gives you, in your browser, and lets you download every transaction as an .xlsx file for Excel, Numbers or Google Sheets, or as CSV. It is free, has no row limit and no account. Nothing is uploaded; the only thing the site records is a few content-free counts, listed on the privacy page.
What the Excel file contains
One sheet, one row per transaction, eight columns:
| Column | What it holds |
|---|---|
| Date | The posting date as YYYY-MM-DD text, which sorts correctly as it is |
| Description | The statement's own wording, unchanged |
| Category | Income, Groceries, Rent, Subscriptions, Fees, Transfers and so on; editable before you export |
| Debit | Money out, as a number |
| Credit | Money in, as a number |
| Balance | The running balance after the transaction |
| Statement | The PDF file the row came from |
| Page | The page in that PDF, so any row can be checked against the original |
Debits and credits are separate numeric columns, so =SUM(D:D) and =SUM(E:E) give you money out and money in without cleaning anything up first. Up to 24 statements go into one file, sorted by period.
How to do it
- Download the PDF statements from your bank. Use the bank's own PDF from online banking, not a printout scanned back in; a scan has no text layer and is not supported yet.
- Drop them on the home page, one month or up to 24 at once. Reading takes a few seconds per statement.
- Check the balance line under the table. For every statement the tool adds its rows from the printed opening balance and compares the result with the printed closing balance. "12 of 12 statements add up" means nothing was missed or misread; a statement that does not add up is named, usually because a page is missing from the PDF.
- Fix categories if you want. Changing a category on one row applies it to every row from the same payee.
- Press Export Excel (or Export CSV). The file is built in your browser and saved by it; no server is involved.
The analysis that comes with it
Converting is usually a means to an end: you want to know where the money went, or what a lender will make of it. The results view answers both without a spreadsheet formula:
- Overview: money in, money out and what was kept, for the whole period and per month on average.
- Charts: spending by category and by month, so a rent increase or a quiet quarter is visible at a glance.
- Subscriptions found: the same payee charging about the same amount every month, three times or more. The ones people forget show up here.
- Fees: overdraft, NSF, monthly maintenance and wire fees, pulled out of the noise.
- Lender view: what a bank-statement mortgage lender would compute from your deposits: transfers from your own accounts and refunds taken out, unusually large deposits flagged, the rest divided by 12 or 24 months and reduced by an expense factor for a business account. Read the arithmetic or the guide to bank-statement loans. It is an estimate, not a lender's decision.
Why in the browser matters
A bank statement is about the most sensitive document most people own: account number, name, every merchant, every payer. Most converters upload it to a server and keep it at least for a while. This one does not have a server for statements at all; the PDF is parsed by code running on your machine, and closing the tab discards everything. You can watch the network panel of your browser while it works: apart from loading the page, the only request that leaves is the small usage event the privacy page describes.
Limits, honestly
- Text PDFs only. Scanned statements and photos have no text layer; OCR is planned.
- Password-protected PDFs must be unlocked first (your bank's PDF reader can save an unlocked copy).
- Credit-card statements convert, but the lender view is for checking accounts; card deposits are payments, not income.
- Layouts vary between banks. The balance check tells you whether a given statement was read completely; if it was not, the rating buttons under the table tell us what went wrong without sending us the statement.
Frequently asked
Can I convert a bank statement PDF to Excel for free?
Yes. Drop the PDFs, press Export Excel, and an .xlsx file with every transaction downloads. No account, no row limit, no payment. CSV is there too.
Is my bank statement uploaded anywhere?
No. The PDF is read by JavaScript in your browser and never sent to a server. The site records only content-free counts, listed on the privacy page.
Which banks' statements work?
Any text-based PDF statement from a US bank; the parser reads column headings and amount positions rather than a bank list, and checks every statement against its printed balances. There are guides for Chase, Bank of America, Wells Fargo, Capital One and Amex.
What do I get besides the Excel file?
Categories, monthly totals, charts, recurring subscriptions, fees, and the lender view's income estimate with its flags.
How many months at once?
Up to 24. All rows go into one Excel file with the statement file and page beside each row.