How does Zero-Knowledge bank statement conversion work?

Unlike legacy cloud converters that upload your bank statements to external cloud servers, StatementToExcel compiles PDF parsing logic into client-side WebAssembly and Web Workers. The PDF bytes are read directly into your local browser RAM via HTML5 FileReader. Not a single row of transaction data, bank balance, or account number ever leaves your device.

How does StatementToExcel verify statement reconciliation math?

StatementToExcel implements double-entry verification math: Starting Balance + Total Inflows (Deposits) - Total Outflows (Withdrawals) == Statement Ending Balance. If any OCR misread or missing line causes a discrepancy, StatementToExcel highlights the exact row and displays the math variance in real-time.

What formats can I export to?

You can export in 1 click to: (1) QuickBooks Online 3-column CSV (Date formatted MM/DD/YYYY, Description, Amount), (2) Xero CSV (*Date, *Amount, Description, Reference), and (3) Universal Excel (.xlsx) featuring both formatted transaction ledger and an executive reconciliation summary tab.

Which banks are supported?

StatementToExcel supports statements from all major institutions including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, Silicon Valley Bank, Mercury, Brex, Capital One, American Express, PNC, US Bank, Barclays, HSBC, and standard regional credit unions.

Is there a free trial?

Yes! You can convert up to 3 pages completely free without creating an account or entering a credit card. Authenticated users get 5 pages free every month. Paid plans start at $19/mo for 150 pages.

How do tax preparers aggregate 12 monthly statements for Schedule C?

Using StatementToExcel Batch Merger, tax professionals drop all 12 monthly client PDFs at once. The engine parses all statements in client RAM, merges them into a single chronological ledger, categorizes expenses, and computes annual gross receipts and deductible disbursements in a formatted Excel file.

Are taxpayer identification numbers (SSN/EIN) kept confidential?

Yes. Because StatementToExcel runs 100% locally in your browser memory, no taxpayer names, EINs, SSNs, or transaction records are ever sent to our servers or stored in any database.

Built for Tax Season & Schedule C Filers

Consolidate 12 Months of Bank Statements for Taxes in Seconds

Stop drowning in messy client statement folders during tax season. Drop 12 monthly PDFs and generate an audit-ready, annual Excel ledger with auto-categorized business expenses and reconciliation summaries.

Merge 12-Month Statements Single PDF Converter

Annual 12-Month Ledger

Consolidate Jan–Dec statement PDFs into a single chronological spreadsheet with every transaction tagged by its source statement month.

Gross Income vs Expenses

Instantly aggregates annual gross deposits and deductible disbursements, giving you the exact totals needed for Schedule C line items.

Tax Audit Trail

Dual-tab Excel outputs provide Tab 1 for transactions and Tab 2 for month-by-month starting/ending balance reconciliation proofs.

Tax Preparer FAQ

Can I handle encrypted bank PDFs sent by clients?

Yes! Our Unlock Bank Statement tool decrypts password-protected PDFs (like Chase and Capital One statements) locally in memory with zero transmission of passwords.

Does StatementToExcel share data with IRS or tax authorities?

StatementToExcel never sees or stores your data. We have 0 access to any statement content because the code executes 100% locally in your client web browser.