Upload the CSV your bank exports. The tool sorts each transaction into a category with simple keyword rules, totals them by category and by month, and gives you an Excel (XLSX) file.
Private by design: your file is read and processed only in your browser. Your files never leave your browser: nothing is uploaded to any server. We use cookieless Vercel page-view analytics; no file data is collected. You can turn off your internet after the page loads and the tool still works.
We guessed which columns hold what. Fix any that are wrong. Use either Amount, or Debit and Credit.
Change any category with the dropdown; totals update right away.
More free tools: remove duplicates, split names/addresses, merge CSVs, PDF table to Excel, mileage log calculator, 1099 income tracker.
Each description is matched against keyword rules, for example AMAZON → Supplies, SHELL/EXXON → Fuel / Auto, STRIPE/DEPOSIT → Income, ZELLE/VENMO → Transfers (review). Anything that doesn't match is marked Uncategorized for you to pick. The rules are guesses, so review every row before using the totals.
Most bank and card exports: one header row, a date column, a description column, and either a single Amount column (negative = money out) or separate Debit and Credit columns. Dates like 2026-01-31 or 01/31/2026 are supported.
How-to guide: How to Categorize Expenses for Taxes in a Spreadsheet
Related data cleanup tools: Remove Duplicates from CSV or Excel · Split Names or Addresses into Columns · Merge Multiple CSV Files into One · PDF Table to Excel · All tools
Just starting out? Grab the free Starter Expense Tracker (pay what you want, $0 is fine).