Bank statement PDF to Excel converter with balances checked
Your bank only gives you PDF statements, and you need the transactions in a spreadsheet for a budget, your accountant, a tax return or a loan application. Your todo.is agent extracts every transaction, splits money in and out, checks that the running balance matches the statement and adds categories.
The prompt
- Convert the attached bank statement PDF(s) to Excel: [ATTACH THE STATEMENTS]. Make one row per transaction with columns Date, Description, Money out, Money in, Balance, Category. Dates in [DATE FORMAT]. Merge descriptions that wrap onto two lines. Check that each balance equals the previous balance plus money in minus money out, and that the opening and closing balances match the statement; highlight any row that does not. Categorize using [CATEGORIES]. Add a Summary sheet with totals per category and per month. Send the .xlsx.
What to change
- [ATTACH THE STATEMENTS]: Attach one or more monthly statement PDFs. Several months can go in one workbook.
- [DATE FORMAT]: E.g. "DD/MM/YYYY" or "MM/DD/YYYY".
- [CATEGORIES]: E.g. "Rent, Groceries, Transport, Eating out, Subscriptions, Income, Other" or "your best judgment".
Example result
- Bank statement PDF to Excel: July to September 2026
- 3 statement PDFs · 214 transactions · 2 sheets: Transactions and Summary
- Transactions sheet
- Columns: Date | Description | Money out | Money in | Balance | Category | Statement
- Example rows:
- • 01/07/2026 | Opening balance | | | 2,410.18 | | July
- • 01/07/2026 | RENT JULY 12 ELM ST | 1,150.00 | | 1,260.18 | Rent | July
- • 02/07/2026 | CARD PURCHASE FRESHMART 0327 | 64.32 | | 1,195.86 | Groceries | July
- • 05/07/2026 | SALARY NORTHWIND LTD | | 2,980.00 | 4,175.86 | Income | July
- • 06/07/2026 | STREAMFLIX MONTHLY | 11.99 | | 4,163.87 | Subscriptions | July
- Clean-up
- • Descriptions wrapped over two lines were joined ("CARD PURCHASE FRESHMART" + "0327 CITY CTR")
- • "1,150.00 DR" and "CR" markers were turned into Money out and Money in columns
- • Page headers, "Balance brought forward" and "Balance carried forward" lines were removed
- Balance checks
- • July: opening 2,410.18, closing 2,876.40. All rows reconcile
- • August: opening 2,876.40, closing 2,301.95. All rows reconcile
- • September: opening 2,301.95, closing 3,045.12. All rows reconcile
- Summary sheet (3 months)
- • Income: 8,940.00
- • Rent: 3,450.00
- • Groceries: 1,212.47
- • Eating out: 386.20
- • Transport: 298.10
- • Subscriptions: 71.94
- • Other: 2,255.86
- Categories are a best guess from the description. Change any cell in the Category column and the Summary updates automatically.
How to do it with todo.is
- Copy the prompt, set the date format and the categories you use.
- Attach the statement PDFs in todo.is, or forward them to your agent from your email.
- Your agent extracts each transaction, reconciles the balances and builds the summary.
- Download the .xlsx. Ask for changes like "split Groceries and Household" or "add a chart by month".
Tips for a better result
- Download statements as PDFs from online banking rather than scanning paper ones. Text PDFs are read exactly.
- Balance checks catch missed or misread lines. If a row is highlighted, compare that line with the PDF.
- Give your own category names if you track a budget. Your agent remembers them for next month.
- Make it monthly: a recurring to-do can remind you to forward the new statement and add it to the same workbook.
bank statement PDF to Excel converter: FAQ
- How do I convert a bank statement PDF to Excel? Attach the PDF and ask for one row per transaction. Your agent extracts the table, cleans it and checks the running balance so you know nothing is missing.
- Is it safe to upload my bank statement? Your file stays in your own agent workspace and only your agent uses it. You can remove account numbers from the PDF first if you prefer.
- Can it handle scanned or photographed statements? Yes, with OCR, but check amounts carefully. Balance checks help spot any misread numbers.
- Can I use the spreadsheet for taxes or a loan? It is a working copy for you or your accountant. Lenders and tax offices usually still want the original statements.
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