Build a Budget in Excel from Your Bank Statement PDF
Turn your bank statement PDF into Excel and build a budget from real spending. Runs in your browser, so your file never leaves your device.
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).
- Add the file to the converter at the top of this page. Several PDFs can go in together.
- Delete transfers between your own accounts so they don't count as spending.
- Set Export layout to Standard columns (QuickBooks, Xero and YNAB layouts are free as well), choose Download Excel, then load it into your budget.
What the file looks like
| Date | Description | Amount | Balance |
|---|---|---|---|
| 2026-08-10 | Gas station | -48.73 | |
| 2026-08-14 | Restaurant | -61.20 | |
| 2026-08-21 | Gym membership | -35.00 |
Sample rows, Standard columns setting.
Excel notes
- Amounts are signed numbers (negative for money out), so SUMIF, pivot tables and filters work on them right away.
Why it fits personal budgeting
A budget spreadsheet is only as good as the numbers you feed it. Convert last month's statement to Excel and you have every purchase ready to sort into needs, wants and savings.
Try a 50/30/20 view: label each row Need, Want or Save, then total the labels and compare them with your take-home pay. Doing this with real statement rows rather than estimates tends to be eye-opening, and next month you only need to convert one PDF to update it.
Tip: Use Excel's Sort by Description to group the same merchant together, then subtotal. Subscriptions you forgot about usually show up quickly.
Questions
Do I have to type my transactions in?
No. Download your statement PDF from online banking, drop it here and download Excel. Check the rows against the statement before you rely on the totals.
Will it read my savings account statement too?
Text-based savings and checking statements with a transaction table work the same way. Convert each account separately and add a column for the account name.
How do I spot subscriptions?
Sort by description and look for the same merchant and amount repeating each month. Highlight them, then decide which to keep.
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.