Deposits by payer

Start with the credits you want to explain

A CSV with five credits does not tell you whether you earned five payments. Pick a file or paste the rows, map the posted date and description or reference, then confirm the amount signs. This tool works with one account and one currency at a time. If your export contains pending rows, make a posted-only working copy before using it here.

Only positive amounts become deposit candidates. Each one starts at “Needs review.” Select the deposits you want to count and exclude other credits with a reason. You can include all unreviewed credits deliberately, but that button does not decide which credits are income. Debits, zero amounts and rows outside the chosen months remain visible in the source review.

Give a payer label to an exact description or a phrase contained in it. Several descriptions can share a label through your visible rules. Matching ignores case and normalizes Unicode and surrounding spaces; it does not remove reference numbers or guess that two different names are the same payer. When different labels match one row, the conflict stays visible. A manual override can resolve it, or you can leave the payer unassigned.

A negative refund reversal is not silently netted against a credit. Check the source rows, add a note and decide whether the original credit still belongs in your selected set. This worksheet does not match reversals or trace money between accounts.

A quiet month still counts in the average

Choose the first and last calendar months, both included. The average uses the selected deposits divided by every month in that range, not just months with deposits. You must declare complete coverage for the whole range and finish every credit decision before the full-range average appears. If the first or last month is only partly covered, leave that declaration unchecked.

In the fictional example, January has 1,000.00 from Payer A and 500.00 from Payer B. February has 2,000.00 from Payer A. March is explicitly complete with no deposits. A 700.00 transfer and an 80.00 refund are excluded by the example's decisions, not by a hidden classification rule.

All supplied credits total 4,280.00 USD. Excluding 780.00 leaves 3,500.00 selected deposits. Across January, February and March, the average is 3,500.00 ÷ 3 = 1,166.67 USD, rounded once. Payer A totals 3,000.00, or 85.71% of the selected deposits; Payer B totals 500.00. Dividing by only the two active months would answer a different question.

Without complete coverage, you can still export selected-row subtotals. A month with no supplied rows says “Unknown,” and its matrix cells are blank rather than invented zeros. Complete coverage is your declaration about the input, not something this tool independently establishes.

Deposit arithmetic is not income verification

The result records which credits you selected and what you called their payers. It does not establish gross sales, profit, taxable income, verified payer identity or lender qualifying income. “Unassigned” does not mean another person, and a matching description is not proof of who sent money.

Mortgage evidence has its own requirements. For example, Fannie Mae's depository-account guidance, section B3-4.2-02 dated December 14, 2022, assigns deposit-source assessment to the lender. This calculator does not perform that assessment, apply a lender expense factor or issue an income certificate. It is not lending, tax or legal advice.

For a platform-specific explanation of why a report and bank deposits answer different questions, read Uber tax summaries versus bank deposits. This tool reads ordinary bank CSV rows, not Uber tax-summary documents.

Keep the rows behind the total

The limit is one UTF-8 CSV or text input up to 5 MB and 10,000 data rows, a range of 120 calendar months, and 100 payer rules. Choose a common precision from zero to six decimal places. Amounts are added as exact decimal units; values with excess precision are rejected instead of rounded to fit. Ambiguous dates and number formats need an explicit choice.

Blank records, repeated headers, subtotal-like rows, malformed amounts and other source issues block calculation rather than disappearing. Matching date, description and amount rows are flagged as possible duplicates but retained. A zero amount remains a row, not an empty value. The source review is paged, including issue links beyond the first page.

The payer/month CSV contains the full matrix, your coverage declaration, calendar-month denominator and exact selected numerator. The details CSV keeps source lines, descriptions, original cells as JSON, matched rules, manual overrides and exclusion notes. A copied summary omits payer names by default. That reduces detail; it does not make the financial totals nonsensitive.

Protected downloads add an apostrophe to formula-like text, while parsed negative amounts remain numeric. Review the changed-cell count and preview before sharing. As OWASP explains, spreadsheet software may remove protective text when saving or reopening a CSV. The separately labeled faithful detail copy preserves text unchanged and is not for opening in spreadsheets.

The CSV reader supports quoted commas, quotes and embedded line breaks. RFC 4180, published October 2005, describes those common CSV conventions, not a universal spreadsheet schema. Downloads are new files; they are not proof that another application accepted or interpreted them correctly.

Private calculations, deliberate downloads

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.

Use Clear to remove the active input and choices, or reload. Back navigation can restore uncleared input. Clearing does not erase your original file, clipboard or downloaded copies, and it is not a promise of secure memory deletion.

The cited RFC, Fannie Mae section and OWASP guidance were opened on October 17, 2026, and the fictional arithmetic was recomputed with exact decimals. OWASP did not show an update date. No live bank, lender or accounting-system acceptance was tested. This worksheet checks neither document authenticity nor statement balances.

When the older deposits are only in PDFs

Try your bank's native CSV export first. If the history you need is available only as PDF statements, AnyStatement can convert them into reviewable transaction data with source-line links. That is a separate upload workflow, not a requirement for this free worksheet and not an income-verification service.