Monthly cashflow summary

Start with a month you can check

Pick a CSV file or paste its contents, then confirm the columns, date format and amount signs. Choose posted dates if you want the bank's booking dates, or transaction dates if that is the period you mean to review. The start and end dates are both included. Every account and currency gets its own monthly totals, so a dollar account never gets added to a euro account.

The fictional example has January money in of 2,000.00 USD and two payments of 500.00 and 125.25. That gives money out of 625.25 and net of 1,374.75. A separate 300.00 transfer has been explicitly excluded in the example: it appears in the excluded totals and the row review, not in a disappearing row. February has 1,800.00 in, 600.00 out and net of 1,200.00.

For your own file, every valid row starts included. Use the row checkboxes to leave out a transfer or another movement you don't want in this particular report. The summary download records the chosen dates, formats, counts and exclusions; the detailed download keeps the source lines, original cells and your decisions. Amounts are added in exact decimal units, with no rounding to make a row fit.

Money coming in is not always income

A transfer from savings and a refund both increase the money-in column. Neither is automatically earnings. A credit-card payment reduces a bank balance, but adding it to the card's purchases would count the same spending twice. Keep the accounts separate and make exclusions deliberately; this tool does not try to identify transfers or net them across accounts.

Net means included money in minus included money out. It is not profit, savings, complete household cashflow or tax income. The tool does not judge fraud or document authenticity, reconcile balances, or promise that an accounting app will accept a download. It is not tax, legal, lending or accounting advice.

If you need to explain a business receipt or payment, keep its supporting records. The IRS recordkeeping guidance describes receipts, invoices and other documents that support book entries. A monthly sum is not a substitute for those records.

A quiet month and a missing month look alike

An empty February could mean nothing happened, or it could mean you didn't supply February's transactions. Unless you declare complete coverage for the selected dates, the tool says “No supplied rows” and leaves that month's included amounts blank in the CSV. Declaring coverage is your statement about the input, not independent verification. A mid-month start or end covers only the selected days, even when the table uses a month label.

Invalid dates, unresolved amounts, empty account or currency labels, repeated headers, blank records and subtotal-like rows block calculation. Read the issue list and fix a working copy rather than treating an error as zero. Date handling notes show removed times or weekday labels without timezone conversion. Suggestions still need your confirmation. If positive amounts mean card purchases in your export, select the explicit sign reversal before calculating.

Matching date, amount and description rows are flagged within each account and currency, but never removed automatically. They might be two real payments. The tool accepts one UTF-8 CSV or text input up to 5 MB and 10,000 transaction rows, with at most 120 calendar months and 12,000 account/currency/month summary rows. Larger inputs need smaller date windows. Choose a common precision from zero to six decimal places; currencies remain separate and no exchange rates are applied.

Before using an unfamiliar export, work through the CSV checks and card-sign examples. For a statement-period check rather than an activity summary, use the coverage checker.

Your file stays in this tab

Your file and the values you enter are processed in this browser tab. They are not uploaded or sent to analytics. We do not save them between visits. Downloads you choose to save remain on your device.

Clear removes the active input and your choices. Navigating away is not a clearing action: Back can restore uncleared input. Clearing the tool does not delete your original file or anything you downloaded, and it is not secure memory erasure.

The spreadsheet-protected downloads create new CSV files. Formula-like text receives an apostrophe prefix; parsed negative amounts remain numbers. The detailed export names any original columns changed by that protection. Keep the prefix and inspect the copy before sharing, because spreadsheet software can remove it when saving or reopening a CSV. The separately labeled faithful detail copy keeps text unchanged and is not for opening in a spreadsheet. Account labels, descriptions and notes can still be sensitive even without an account number.

Only have PDF statements?

Already have a bank CSV? This tool is free. Only have PDF statements? First check your bank's native export or any included extraction option. AnyStatement can convert PDFs into reviewable transaction data. That is a separate step for history you cannot get as CSV, not a requirement for this summary.