YNAB CSV converter
Bank statement to YNAB CSV
Upload your bank statement PDF. Get a clean YNAB-ready CSV with Date, Payee, Memo, Outflow, Inflow — ready for File-Based Import.
How it works
Three clicks from PDF to YNAB
Upload your bank statement
PDF, JPG, or PNG. Works with any bank worldwide — Chase, Bank of America, Wells Fargo, Capital One, SoFi, Apple Card, and more.
Download the YNAB CSV
AI extracts every transaction and builds a file formatted exactly how YNAB expects — signed amounts split into Outflow and Inflow columns.
File-Based Import in YNAB
Open YNAB on web → pick your account → File-Based Import → upload the CSV → review and approve. Done in under a minute.
Why this matters
A clean CSV that YNAB accepts the first time
Correct column headers
Date, Payee, Memo, Outflow, Inflow — exactly what YNAB's File-Based Import expects. No manual header renaming required.
Proper outflow / inflow split
Expenses go to Outflow as positive numbers, deposits go to Inflow. YNAB won't invert your amounts or double-import anything.
Handles scanned statements
If your PDF is a scan or photo, AI OCR still reads every transaction. No retyping anything from a printed stub.
No duplicate imports
Review the file before importing and YNAB's duplicate detection will skip any transactions you already synced via direct import.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 1 analysis per month
- Up to 50 transactions
- Auto-categorized spending
- Visual spending charts
- Export to CSV & Excel
- 500 pages per month
- Up to 100 transactions
- Everything in Free
- Find forgotten subscriptions
- AI spending insights
- 12-month history
- Everything in Basic
- Unlimited pages
- Unlimited transactions
- Smart receipt scanning (5/mo)
- Priority support
FAQ
YNAB CSV converter —
questions & answers
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