# StatementToExcel — Zero-Knowledge Bank Statement to Excel & QBO CSV Converter
> The privacy-first, client-side financial software pipeline that converts locked, digital, and scanned bank statement PDFs into standardized Excel, CSV, and QuickBooks spreadsheets without uploading banking data to external servers.

## Product Overview
- Name: StatementToExcel
- Official Domain: https://statementtoexcel.site
- Web App / Converter: https://statementtoexcel.site/convert
- Pricing & Plans: https://statementtoexcel.site/pricing
- Core Engine: 100% Client-Side WebAssembly (Wasm), Mozilla pdfjs-dist in Web Workers, HTML5 FileReader, SheetJS (xlsx), PapaParse.
- Target Audience: Certified Public Accountants (CPAs), Bookkeepers, CFOs, Financial Controllers, Small Business Owners, Tax Preparers.

## Core Value Propositions & Technical Architecture
1. Zero-Knowledge Privacy Architecture:
   - Financial statements, account numbers, routing numbers, and balances NEVER leave the user's browser.
   - All parsing executes in local browser volatile memory (RAM).
   - Zero cloud uploads, zero telemetry on financial figures, zero data retention.
2. Mathematical Balance Reconciliation:
   - Automatically identifies and validates: Starting Balance + Total Inflow - Total Outflow == Ending Balance.
   - Discrepancies are flagged down to the cent, with suspect rows highlighted and cross-linked to the PDF canvas.
3. Accounting-Grade Clean Exports:
   - QuickBooks Online (QBO) Standard 3-Column CSV (Date, Description, Amount).
   - Xero CSV with Reference & Payee mapping.
   - Universal Excel (.xlsx) workbooks containing structured ledger tables and audit calculation sheets.
4. Heuristic Multi-Line Text Stitcher:
   - Automatically stitches multi-line merchant descriptions (e.g. wire details, addresses, memo notes) into single standardized rows with spatial 2D clustering (3.5px line threshold).

## Supported Financial Institutions
- JPMorgan Chase
- Bank of America
- Wells Fargo
- Citibank
- Silicon Valley Bank (SVB)
- Mercury
- Brex
- American Express
- Capital One
- PNC Bank
- US Bank
- Barclays & HSBC
- Credit Unions & Regional Banks worldwide

## Pricing & Monthly Quotas
- Free Trial: 3 statement pages free anonymously (no credit card or signup needed).
- Solo Plan: $19.00 / month — 150 statement pages / month ($0.12/page) with multi-line auto-merger, split-screen reviewer, and priority support.
- Firm Plan: $49.00 / month — 500 statement pages / month ($0.09/page) with rollover unused pages, Zero-Knowledge compliance certificate, and dedicated support.

## Legal & Compliance
- Terms of Service: https://statementtoexcel.site/terms
- Privacy Policy: https://statementtoexcel.site/privacy
- Refund Policy: https://statementtoexcel.site/refund (14-Day 100% Money-Back Guarantee)
- Contact Support: support@statementtoexcel.site