Home › Use cases › Statement conversion for the self-employed
When your statements are your income record, they should be files you can search, sort and hand over — for taxes, applications and your own books.
Many freelancers run business and personal money through one account. Converting a year of statements into a single spreadsheet and tagging rows is the fastest honest way to separate them — income over here, transfers and personal spending over there — before a tax preparer or lender ever sees the file.
Mortgage applications, rental applications, loan reviews: each asks for statements and then reads them for deposits. A converted, reviewed set means you already know what they will find, including which deposits are client payments and which are just your own money moving.
If a spreadsheet is your bookkeeping, the combined Excel export basically is the books: categorize it, total it, and the year is summarized. If you later move to QuickBooks or Xero, the same conversion exports in their layouts.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Lenders require the bank-issued statements. The spreadsheet is how you prepare, review and explain — the originals are what you submit.
Where the statement prints opening and closing (or running) balances, the converter adds up the extracted transactions and compares the result with the statement itself. If the numbers do not tie, the conversion is flagged and the mismatched rows are marked — a failed check is never shown as a success.
No. Uploaded files and generated exports are stored only briefly to complete the download and are automatically deleted within 15 minutes.
Statement conversion for bookkeeping practices · Statement conversion for accounting firms · Statement conversion for tax preparers · Statement tools for landlords · Statement conversion for property managers · Statement review tools for mortgage brokers · Statement conversion for law firms · Statement conversion for nonprofit treasurers
Your first conversion is free — no card, no sign-up — and every result is reconciled against the statement itself before you download it.