A financial plan starts with a clear picture of where a client's money actually goes, but that picture arrives as PDF bank and card statements you cannot sort or total. Upload the statement and BankXLSX returns dated rows with income, fixed costs, discretionary spend, and transfers, ready to classify for a cash-flow analysis or a net-worth statement. Use it for client planning and for your own RIA practice books. Start free, no credit card.
Last updated July 2026
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Collect the client's monthly bank and credit card statements as PDFs, then upload each one to BankXLSX. The converter reads every deposit, bill payment, card charge, and transfer into dated spreadsheet rows with the running balance, so you can add a category column and sort income, fixed expenses, discretionary spending, savings, and debt payments into the buckets your planning software or spreadsheet expects. You get an Excel or CSV file in under a minute instead of retyping a stack of statements. BankXLSX prepares the data; it is not an account aggregator, a custodian, or a source of financial advice, so you and the client keep control of the numbers and the plan.
Cash-flow and net-worth work is only as good as the data behind it, and that data usually shows up as a pile of PDF statements from accounts an aggregator cannot reach. The statement holds every number you need, just not in a shape you can classify or total.
Feeds like Plaid or Yodlee break on smaller banks, credit unions, business accounts, and old statements, so the accounts that matter for a full picture often come to you only as PDFs the client emails.
Fixed bills, discretionary spend, savings transfers, and debt payments all sit interleaved in the transaction list, so real monthly cash flow is hidden until you pull each line into a sheet and categorize it.
A client's memory of monthly spending rarely matches the statements, and the only way to build a plan on real numbers is to work from the actual transactions rather than an estimate.
Typing a year of statements into a spreadsheet by hand is slow and error-prone, and every hour on data entry is an hour not spent on the analysis and advice the client is paying for.
A solo RIA or small advisory firm runs a business as well, with fee revenue from a custodian, software and compliance costs, and payroll that all arrive as statements you have to reconcile.
Client financial statements are exactly the data you cannot afford to mishandle, so any tool in the workflow has to be private by default and let you remove files when the work is done.
Upload the PDF and the converter turns the bank, card, or brokerage statement into clean, dated rows with balances intact, so you can classify cash flow, tally net worth, and keep your own books current.
Deposits, bill payments, card charges, transfers, and fees each land on their own row with date, description, and amount in columns you can sort, filter, and total.
Clean one-transaction-per-row output means you add a category column and split income, fixed costs, discretionary spend, savings, and debt payments, instead of retyping the statement first.
The statement running balance carries through, so you can confirm every deposit and payment is accounted for and the net-worth snapshot ties out.
Download a real .xlsx workbook to build a cash-flow analysis in, or a clean CSV to import into your planning tool, QuickBooks, or a net-worth template.
Layouts tuned to how US banks, credit unions, fintechs, brokerages, and card issuers print their statements, including scanned and image PDFs.
256-bit encryption in transit, and you can delete every uploaded client file when the analysis is done.
No software to install and no credit card to start.
Have the client download the monthly bank, card, and brokerage statements as PDFs. Scanned statements and phone photos work too.
Tip: Ask for 12 months so seasonal spending shows up.
Drag each PDF into the box above. BankXLSX reads the income, bills, card spend, and transfers and writes each to its own row.
Tip: One account per file keeps checking, cards, and brokerage separate.
Save the result as XLSX or CSV, add a category column, and split the rows into income, fixed, discretionary, savings, and debt.
Tip: Sort by category to subtotal each cash-flow bucket.
Turning statements into structured data supports both sides of an advisory practice: building plans on a client's real cash flow, and keeping the firm's own books clean between accountant visits.
Build a client cash-flow analysis and net-worth statement from the actual transactions, including held-away accounts a feed cannot reach.
Pull a year of brokerage and bank activity into rows to review contributions, withdrawals, and fees alongside the portfolio.
Convert the statements a client emails at onboarding into a spending baseline you can plan against, without waiting on broken bank feeds.
Turn the RIA's own bank and card statements into categorized rows for fee revenue, software, compliance, and payroll before handing off to the CPA.
Financial advisors use bank statements to build a cash-flow analysis: the real record of what a client earns, spends, saves, and owes each month, which is the foundation for a budget, a savings target, and a retirement projection. A client's estimate of monthly spending is almost always off, so planners work from the statements themselves. The job is to take each transaction, decide which cash-flow bucket it belongs to, and total those buckets. That is quick when the statement is already a clean spreadsheet and slow when it is a printed PDF, which is the step the converter removes.
Cash-flow planning maps every dollar of income against fixed costs, discretionary spending, savings, and debt payments so a client can see what is left to invest and where money is leaking. Bank and card statements are the most complete and honest source for this, because they capture what actually happened rather than what the client remembers. The table below maps the transaction types you see on a statement to the cash-flow category they usually belong in.
| Cash-flow category | Typical statement lines | Why it matters |
|---|---|---|
| Income | Payroll deposits, distributions, dividends | Sets the top line the whole plan works against |
| Fixed expenses | Mortgage or rent, insurance, utilities, subscriptions | The commitments that must be covered every month |
| Discretionary | Dining, travel, shopping, entertainment | The flexible spend where a plan finds room to save |
| Savings and investing | Transfers to brokerage, IRA, or savings | Shows the current savings rate to grow |
| Debt payments | Loan, student, and credit card payments | Feeds the payoff plan and the net-worth statement |
Account aggregators such as Plaid, Yodlee, or a planning tool's built-in feed are excellent when they connect, but they fail on smaller banks and credit unions, business accounts, closed accounts, and any period older than the feed retains. For those accounts, the client's PDF statement is the only complete record, and it often carries a longer history and details, such as the running balance, that a feed drops. Converting the PDF fills the gaps the feed leaves, so your analysis covers every account instead of only the ones that happened to link.
A net-worth statement lists what a client owns against what they owe at a point in time, and the closing balances on bank, brokerage, and loan statements are where those figures come from. Converting each statement to a spreadsheet lets you drop the ending balances into an assets-and-liabilities layout and update it each quarter without retyping. Pairing the converted rows with a cash-flow statement build gives you both halves of the client's financial picture from the same underlying data.
Yes. A registered investment adviser is a business, and its own bank and card statements carry fee revenue swept from the custodian, software and compliance subscriptions, office costs, and payroll. Converting those statements to categorized rows keeps the practice's books current between accountant visits and makes the year-end handoff to a CPA far cleaner. Advisors who keep their firm's books in QuickBooks can convert the statement straight to a QuickBooks import with a bank statement to QuickBooks converter, then reconcile inside QuickBooks as usual.
Uploads run over 256-bit encryption in transit, and you can delete every file after the conversion, which matters when the document is a client's financial statement. BankXLSX does not resell or share the data and does not need your bank login, because you upload a file the client already downloaded rather than connecting a live account. As a matter of practice, convert on a work device, download the result to your firm's secure storage, and remove the uploaded PDF when you are done so no copy lingers.
BankXLSX converts the statement into a spreadsheet. It is not an account aggregator, a custodian, a planning platform, or a source of financial advice: it does not connect to accounts, hold assets, build the plan, or recommend anything. What it does is remove the retyping by reading each PDF into dated rows with amounts and the running balance already in columns. From there you classify the cash flow, tally the net-worth figures, and load the numbers into your planning tool. To turn a client's categorized export into a clean summary, pair the converter with an AI financial statement generator, and to subtotal spend by category first, use our transaction categorization guide.
Advisors use bank statements to build a cash-flow analysis: the real record of what a client earns, spends, saves, and owes each month, which is the foundation for a budget, savings target, and retirement projection. Because a client's estimate of spending is usually off, planners work from the statements themselves. BankXLSX converts the PDF to rows so you classify each transaction into a cash-flow bucket instead of retyping the statement.
Cash-flow planning maps every dollar of income against fixed costs, discretionary spending, savings, and debt payments so a client can see what is left to invest and where money is leaking. Bank and card statements are the most complete source because they capture what actually happened. Converting them to a spreadsheet lets you sort each transaction into a category and total the buckets.
Aggregators are great when they connect, but they fail on smaller banks and credit unions, business accounts, closed accounts, and periods older than the feed retains. For those accounts the client's PDF statement is the only complete record, and it often carries a longer history and the running balance a feed drops. Converting the PDF fills the gaps the feed leaves so your analysis covers every account.
A net-worth statement lists what a client owns against what they owe at a point in time, and the closing balances on bank, brokerage, and loan statements are where those figures come from. Converting each statement to a spreadsheet lets you drop the ending balances into an assets-and-liabilities layout and update it each quarter without retyping.
Yes. A registered investment adviser is a business, and its bank and card statements carry fee revenue swept from the custodian, software and compliance costs, office expenses, and payroll. Converting those statements to categorized rows keeps the practice books current between accountant visits and makes the year-end CPA handoff cleaner.
Uploads run over 256-bit encryption in transit, you can delete every file after the conversion, and BankXLSX does not resell or share the data. It does not need your bank login, because you upload a file the client already downloaded rather than connecting a live account. Convert on a work device, save the result to secure storage, and remove the uploaded PDF when you are done.
No. BankXLSX converts bank, card, and brokerage statements into clean spreadsheets. It is not an account aggregator, a custodian, a planning platform, or a source of advice. You classify the cash flow, tally net worth, and load the numbers into your planning tool; the converter removes the retyping so the data is ready to work with.
Have the client download the monthly bank, card, or brokerage statement as a PDF, then upload it to BankXLSX. The converter reads every deposit, bill payment, card charge, and transfer into dated rows with the running balance and lets you download an Excel or CSV file in under a minute, ready to classify for a cash-flow analysis.
Build a cash-flow statement from converted rows.
Convert brokerage and investment statements to Excel.
Convert statements for your own practice books.
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