Turn Your Bank Statement PDF into a Budget CSV
See where your money went: convert bank statement PDFs to CSV for your budget. Runs in your browser, so your file is never uploaded.
Converts text-based PDF bank statements to CSV or Excel in your browser. Your file is never uploaded. Always review the output before using it.
Steps for personal budgeting
- Download last month's statement for your everyday account as a PDF (scanned PDFs aren't supported).
- Drop the PDF on the converter box above (or tap the box to pick it).
- Delete transfers between your own accounts so they don't count as spending.
- Set Export layout to Standard columns (the QuickBooks, Xero and YNAB layouts are free too), choose Download CSV, then load it into your budget.
What the file looks like
| Date | Description | Amount | Balance |
|---|---|---|---|
| 2026-08-01 | Payroll deposit | 3100.00 | |
| 2026-08-03 | Grocery store | -142.18 | |
| 2026-08-07 | Streaming service | -15.49 |
Sample rows, Standard columns setting.
CSV notes
- If the app you're loading it into wants a different column order, pick one of the QuickBooks, Xero or YNAB layouts in the Export layout menu instead of rearranging columns by hand.
Why it fits personal budgeting
Budget apps and spreadsheets all start from transactions. If your statement history is only in PDF, convert it to CSV and you can load past months into the budget tool you already use.
Once the CSV is open, group rows into a handful of buckets such as housing, food, transport, subscriptions and everything else. Compare those totals with what you planned. Most people find one bucket well over plan, and that's the one worth adjusting first.
Tip: Convert the last three months first. It's enough to see your real spending pattern without a big cleanup job.
Questions
Do I need to link my bank account?
No. You download the statement PDF from your bank yourself and convert it here. RowSmith never sees your bank login.
Which budgeting tools take the CSV?
Most accept a CSV with date, description and amount. For YNAB, choose the Ynab layout so the Outflow and Inflow columns already match.
What if I have more than one checking account?
Convert each account's statement separately and add an Account column, so transfers between them are easy to spot and leave out.
RowSmith is an independent tool and is not affiliated with any bank or software company named on this page.
Converting is free. RowSmith Pro ($9/month or $59/year) adds suggested Schedule C categories, saved cleanup rules and monthly category totals.