Citi Statement Analyzer — CSV/OFX (Free, Private)
Upload your Citi bank or credit card statement (CSV or OFX) and get instant spending insights: categories, recurring charges, fee detection, and a clean export. Runs entirely in your browser—no file leaves your device.
Privacy-first analysis · No sign-up · Download clean CSV/Excel
Quick facts
Upload & Analyze (Citi)
Choose your file type. We’ll map Citi’s columns automatically. Parsing happens in your browser.
TL;DR — What this tool does
- Instant Citi parsing: Drag in your CSV/OFX; our preset maps Citi’s column names automatically.
- Clean categories: Groceries, Shopping, Dining, Utilities, Transport, Fees/Interest, and more.
- Recurring finder: Detect monthly subscriptions and standing charges.
- Privacy-first: Analysis runs in your browser. We don’t store or transmit your data.
- Export ready: Download a cleaned CSV for taxes, budgeting, or spreadsheets.
How to export Citi statements (Web & App)
Exporting your Citi transactions takes a minute. On the web, sign in to Citi Online and open the account you want to analyze. Choose Download or Export from the activity area, pick your date range (we recommend the last 3, 6, or 12 months), and select CSV for best results. Credit card and bank accounts both offer CSV; many accounts also support OFX/QFX for finance apps. Save the file to your device and upload it to the analyzer above.
On the mobile app, navigate to your account activity, use the ellipsis or export icon, select a date range, and choose CSV. If your device suggests opening the file in a spreadsheet app first, you can still save it to local storage or Files and upload here. For annual records, export several consecutive ranges (e.g., Jan–Jun, Jul–Dec) and upload them one after the other.
What the analyzer detects automatically
- Category tagging: Merchants and memos are classified using rules that work well with Citi descriptions (e.g., “AMZN Mktp” → Shopping).
- Recurring charges: Monthly cadence detection for subscriptions, memberships, storage, and media streaming.
- Fee & interest flags: Late fees, over-limit fees, cash advance fees, and interest charges are grouped and summarized.
- Refund pairing: Potential refund/chargeback matches identified by merchant match and inverse amounts.
- Duplicate detection: Identical date+amount+merchant lines are flagged so you can ignore duplicates after exports.
Citi CSV/OFX preset mapping (so you don’t have to)
Typical Citi CSV fields
| Citi column | Analyzer field |
|---|---|
| Transaction Date / Posted Date | Date |
| Description / Payee | Merchant/Description |
| Amount | Amount (signed; credits positive) |
| Type / Category (if present) | Original type hint |
| Balance (if present) | Optional balance |
Date format is usually MM/DD/YYYY. Amounts are signed. Thousands separators may appear; we sanitize automatically.
Typical Citi OFX/QFX fields
| OFX tag | Analyzer field |
|---|---|
| <DTPOSTED> | Date |
| <TRNAMT> | Amount (signed) |
| <NAME> or <MEMO> | Description |
| <TRNTYPE> | Type hint |
Known Citi quirks & how we handle them
- “AMZN Mktp US*xxxx” strings: Collapsed to Amazon Marketplace and categorized under Shopping.
- Interest and fees: Lines containing “INTEREST CHARGE” or “LATE FEE” route to Fees/Interest.
- Gas and transit: “SHELL,” “BP,” “EXXON,” “UBER,” “LYFT,” and “MTA” are mapped to Transport.
- Refunds: Positive amount with “REFUND/RETURN/CREDIT” keywords becomes Refund and pairs against a recent debit.
- Balance transfers/cash advances: Tagged and summarized separately for clarity on credit usage.
Insights you’ll get in minutes
After parsing, you see total transactions, net cashflow, and category chips highlighting where money goes—groceries, shopping, dining, utilities, transport, health, subscriptions, and more. The recurring finder surfaces monthly charges and their cadence (every 30–31 days; same merchant, similar amount). Fees and interest are grouped so you can measure their impact and plan to reduce them. Finally, you can download a clean CSV for taxes or budgeting with your preferred spreadsheet.
Privacy & data handling
This tool runs entirely in your browser. Files never leave your device, and no data is sent to our servers. Use the Clear button to wipe the current analysis. For more on cookies and analytics on the site overall, see our Privacy Policy.
FAQs
Do you store my Citi statement?
Which formats work best?
Can I edit categories?
Does this work for both bank and credit card accounts?
How far back can I analyze?
Are currency symbols handled?
Will categories be correct for every merchant?
How do I remove duplicates?
Can I analyze multiple accounts at once?
Is this financial advice?
Changelog (Citi)
- v1.0 — Initial release: CSV/OFX parsing, categories, recurring finder, fee flags, cleaned export.
Citi is a leading global bank for institutions with cross-border needs, a global provider in wealth management and a U.S. personal bank.
