Credit cards · Excel · nothing uploaded
Credit card statement to Excel converter
Drop a PDF credit card statement and download an .xlsx with charges and payments in separate columns, checked against the statement’s previous and new balance. Nothing is uploaded.
Exports to Excel · CSV · QBO · OFX · QFX · Xero · Tally
How it works
Three steps. No upload.
The whole conversion runs in your browser tab, so your statement never reaches a server.
- 01
Drop the card PDF
One card statement or a stack of them. A PDF that holds several accounts is split into one statement per account.
- 02
Check charges and payments
Charges and payments are sorted into the right columns. Fix, add or exclude rows on the review screen.
- 03
Download the workbook
A Transactions sheet and a Summary sheet with the previous balance, payments, charges and new balance.
The balance check
Previous balance, plus charges, minus payments
A card statement balances the other way round from a bank account. The new balance is the previous balance, plus what you charged, minus what you paid or got back. We add up every row and compare the result with the new balance printed on the statement.
Interest, fees and returns are rows like any other, so one that goes missing shows up as a difference. Most card statements don’t print a running balance per row, so the review screen points at the likely page instead of one row.
example-card_2026-09.pdf
- Previous balance
- 1,240.50
- − Payments and credits
- 1,285.50
- + Charges
- 666.30
- = We calculated
- 621.30
- Statement says (new balance)
- 621.30
If the last row had been missed:
Off by 21.50 possible missed line on page 2
The file
Charges and payments, not debit and credit
This is a made-up card statement. The column names follow how a card works: Charges and Payments, both positive. Amount is signed from your side, so a charge is negative.
Transactions sheet
| Date | Description | Charges | Payments | Amount |
|---|---|---|---|---|
| 09/03/2026 | Online payment thank you | 1,240.50 | 1,240.50 | |
| 09/04/2026 | Grocery Mart | 84.20 | -84.20 | |
| 09/07/2026 | Fuel Northway | 52.75 | -52.75 | |
| 09/11/2026 | Cloud hosting | 29.00 | -29.00 | |
| 09/14/2026 | Return Hardware Store | 45.00 | 45.00 |
Summary sheet
| Label | Value |
|---|---|
| Statement | example.pdf |
| Account type | Credit card |
| Period | 09/01/2026 09/30/2026 |
| Currency | USD |
| Previous balance | 1,240.50 |
| Payments | 1,285.50 |
| Charges | 666.30 |
| New balance (statement) | 621.30 |
| Calculated closing | 621.30 |
| Difference | 0.00 |
| Check | Balanced |
| Transactions | 8 |
- Charges
- Purchases, fees and interest, as positive numbers.
- Payments
- Payments, refunds and credits, as positive numbers.
- Amount
- Signed. A charge is negative, a payment is positive, so a column total is your net movement.
- Balance column
- Left out unless the statement prints a running balance, which most card statements don’t.
- Not exported
- Items that aren’t transactions, such as the minimum payment due and the credit limit.
Import
Open it, or send it on
Excel, Google Sheets, Numbers
- 1.Open the .xlsx file.
- 2.Use the Charges column for expenses and the Amount column for a net total.
QuickBooks or Quicken
- 1.Download a QBO or QFX or OFX from the same review.
- 2.Import it into a credit card account, not a bank account.
FAQ