Multi-month statement merge
Open two or more statement exports of the same account, in any order. Each one is read and balanced on its own, the statements are put in date order, and they are joined into one ledger. The tool checks that each closing balance equals the next opening balance, that nothing was lost or added in the merge, and lists any transaction that appears in more than one file.
The files are read in your browser and stay on this device. Nothing is uploaded. This tool reads rows (CSV or Excel); it does not read PDF files or scans.
The files are read in this browser and are not uploaded. This tool reads rows; it does not read PDF files or scans.
Each statement needs an opening and a closing balance. They are taken from the running balance column when the file has one; otherwise type them.
Merged ledger
Statements, in order
Transactions that appear in more than one statement
Same date, amount, and description in two different files. They are listed here and kept in the ledger; nothing is removed for you.
Ledger
What gets checked
- Every statement balances on its own: opening balance plus its transactions equals its closing balance.
- Each statement's closing balance equals the next statement's opening balance.
- Each statement starts after the one before it ends. Overlapping periods are flagged.
- The first opening balance plus every transaction in the merged ledger equals the last closing balance.
- The merged transaction count and total equal the statements' counts and totals added up, added a second way.
- A transaction with the same date, amount, and description in two different statements is reported as a duplicate. Duplicates are listed and kept; nothing is dropped silently.
How it works
- Open the statements. Drop the .csv or .xlsx exports for each month, or the tables saved from the statement converter on this site. The order does not matter. PDF files and scans are not read.
- Check each one. Each file shows its transaction count and its opening and closing balances, taken from the running balance column or typed. The column mapping of any file can be opened and changed.
- Merge. The statements are sorted by their first date and joined. Continuity between months, the merged balance, counts, totals, and duplicates are checked.
- Review and download. The merged ledger shows a running balance and which statement each row came from. Download it as Excel or CSV with the certificate, or print it.
Worked example
Three made-up monthly statements of one account, opened out of order.
| Statement | From | To | Opening balance | Transactions | Total | Closing balance |
|---|---|---|---|---|---|---|
| March | 2026-03-02 | 2026-03-31 | $1,200.00 | 6 | $2,753.33 | $3,953.33 |
| April | 2026-04-01 | 2026-04-30 | $3,953.33 | 5 | $509.70 | $4,463.03 |
| May | 2026-05-04 | 2026-05-29 | $4,463.03 | 3 | $826.92 | $5,289.95 |
March closes at $3,953.33 and April opens at $3,953.33; April closes at $4,463.03 and May opens at $4,463.03. The merged ledger has 6 + 5 + 3 = 14 transactions totaling $4,089.95, and $1,200.00 + $4,089.95 = $5,289.95, the last closing balance. April has two identical $89.15 purchases on the same day; they are in one statement, so they are not reported as duplicates. All 9 checks pass.
The example uses made-up names and numbers.
Questions
What counts as a duplicate?
A transaction with the same date, the same amount, and the same description (ignoring capital letters and spacing) in two different statement files. That usually means two exports overlap. Two identical transactions inside one statement are not reported, because that happens in real accounts.
Why are duplicates not removed for me?
The tool cannot know which copy belongs. It lists each one with the files and positions it appears in, keeps both in the ledger, and the balance checks show the effect. Once the overlap is taken out of the source file, a new merge shows a clean result.
What if a month is missing?
The closing balance before the gap will not equal the opening balance after it, so the continuity check for that pair fails and shows both balances, and the merged balance check shows the difference.
How many statements can be merged at once?
The free tier merges two at a time. Paid plans merge longer runs in one pass.
Does it read PDF statements?
No. It reads rows from .csv or .xlsx exports. Most banks offer a CSV or Excel download next to the PDF statement.
This tool calculates and checks numbers. It is not legal, tax, or medical advice.