The check, explained
Previous balance + purchases, fees and interest − payments and refunds = new balance. If the sum doesn't match, the banner says so and shows both figures, so you know a row was misread or is missing. See how balance checks work.
- 1Choose your files
- 2Check the result
- 3Download Excel
Credit card statement to Excel converter
Turn a PDF credit card statement into an Excel sheet of purchases, payments and refunds. Tidysheet knows that a card balance is what you owe, and checks that the previous balance plus spending minus payments equals the new balance.
Drag your files here
or
PDF, scans and photos, Word, Excel and CSV. Several files or a whole folder at once.
Up to 100 MB each. The files stay on this computer.
No PDF at hand?
The file is read by your browser and never uploaded.
Opening the file…
This PDF is protected with a password
Type the password to open it. It's used on this computer only.
Masks IBANs and long numbers in text; other codes may be masked too. Names, addresses and short identifiers remain. Review the export before sharing. Saved projects contain the original file and are not masked.
Choose Excel to preserve codes, leading zeros and cell types. Spreadsheet apps may reinterpret CSV values. Downloads and printing include the full document unless you enable selection-only export below.
Preview
No rows match. Clear the search or reset the filters.
Double-click a cell to correct it. The row number and the column title open more actions.
Corrections made with other settings are kept: switch the setting back to see them.
Open a file to check it, correct cells or see the original. Downloads include your corrections.
Masks IBANs and long numbers in text; other codes may be masked too. Names, addresses and short identifiers remain. Review the export before sharing. Saved projects contain the original file and are not masked.
01How it works
How to convert a credit card statement to Excel
- 01
Choose the PDF
Drag the card statement onto this page or press “Choose a PDF”.
- 02
Check the preview
Purchases go to Money out, payments and refunds to Money in. The banner compares the result with the new balance printed on the statement.
- 03
Download Excel
The file has the transactions, a live check and a summary with the previous and new balance.
02The result
What you get
On a card statement, spending increases the balance and payments reduce it. The Excel check formula follows the same rule, so it stays correct when you edit a row.
| Date | Description | Money out | Money in |
|---|---|---|---|
| 16 Dec 2025 | TESCO STORES 2041 LONDON | 54.20 | |
| 20 Dec 2025 | PAYMENT RECEIVED - THANK YOU | 500.00 | |
| 02 Jan 2026 | REFUND AMAZON.CO.UK | 29.99 |
03What it reads
Card statements it understands
- Amounts with CR for payments and refunds, or with a minus sign
- A previous balance and a new balance printed in the summary box
- Statement periods that cross New Year, with dates printed without a year
- Interest, fees and foreign currency purchases as separate rows
- Password-protected PDFs
04Good to know
Private by design
Card statements carry names, card numbers and spending habits. Tidysheet converts them in your browser and never uploads them.
05Questions
Questions about credit card statements
Is it free?
Yes, with no sign-up and no limits.
Why are payments in the Money in column?
A payment or refund reduces what you owe, so it is money coming in to the card account. Purchases, fees and interest are money out.
My statement has no running balance. Is it still checked?
Yes, when the statement prints a previous and a new balance: the totals of all rows must explain the difference between them.
Does it work with debit cards?
A debit card statement is a bank account statement. Use the bank statement converter; it handles both.
Can I get CSV?
Yes, press “Download CSV”.
06Also useful