American Express Statement Analyzer — CSV/PDF/OFX (Free, Private)
Upload your AmEx statement to instantly summarize spending, spot subscriptions and fees, and export a clean CSV—right in your browser. We don’t upload or store your files.
Upload & Analyze
Supported today: CSV (best), OFX/QFX (basic). Text-based PDFs may work via copy-paste to CSV.
Privacy-first: parsing and calculations happen locally on your device.
- Drag in your American Express CSV (or OFX/QFX). We parse dates, amounts, and normalize merchant names.
- See instant category totals, recurring charges, and monthly trends.
- Export your cleaned data to CSV for budgeting or taxes. Nothing is stored on our servers.
What the American Express Statement Analyzer does
The American Express Statement Analyzer is a lightweight, private tool that converts your AmEx statement into clear, actionable insights. It parses dates and amounts, normalizes merchant names (for instance, “AMZN Mktp” becomes “Amazon”), infers categories such as groceries, dining, travel, or utilities, and highlights recurring payments that typically align to a monthly cadence. The result is a fast snapshot of where your money goes and which charges you should examine. Because the tool runs entirely in your browser, your data never leaves your device.
The widget focuses on two common export types: CSV and OFX/QFX. CSV is the most reliable for instant analysis and export, while OFX/QFX support is designed to pull core fields consistently even if descriptions or memo fields vary by card product. If your PDF is text-based, you can usually copy and paste it into a spreadsheet and save it to CSV with headers before uploading.
How to export your American Express statement (web & app)
- Sign in to your American Express account on the web or mobile app and choose the card account you want to analyze.
- Open Statements & Activity and pick a date range such as the last three, six, or twelve months.
- Choose Download and select CSV for the most consistent output. OFX/QFX also works for many cards.
- Save the file and drag it into the upload box on this page. Select the correct currency if your card is billed in GBP or EUR.
Our preset mapping for American Express (CSV)
AmEx CSV exports often include columns similar to: Date, Description, Amount, Category (sometimes), and Extended Details. Amounts are typically signed (purchases negative, credits/refunds positive). Where a “Category” column is provided, we keep it as a hint but may reclassify to keep your summary consistent across merchants.
| What we expect | Description |
|---|---|
| Date | Most exports use MM/DD/YYYY. Some international cards use DD/MM/YYYY. We detect both. |
| Description | Merchant or memo text (e.g., “UBER *TRIP HELP.UBER.COM”). We normalize frequent variants. |
| Amount | Signed number. Purchases are negative; payments/refunds positive. |
| Category (optional) | If present, kept as-is unless clearly misaligned with merchant patterns. |
If your CSV uses separate Debit/Credit columns, import still works—amount is computed as credit − debit.
Known AmEx quirks we handle
- Merchant aliases: Common abbreviations like “AMZN Mktp” → Amazon, “UBER *TRIP” → Uber, “LYFT *RIDE” → Lyft.
- Installments & pay-over-time: We treat installments as purchases on their posting dates; any interest/fees are flagged to the Fees category.
- Currency conversions: If the memo shows FX details (rate, fee), we keep the billed currency amount and classify FX fees separately.
- Refunds & chargebacks: Positive amounts on a merchant previously recognized will net against that merchant’s totals.
What insights you’ll see instantly
The analyzer produces three quick KPIs: total outflow, total inflow (refunds or credits), and net cashflow. Beneath that, you’ll see a ranked list of categories, recurring charges, and largest merchants by spend. Recurring charges are detected using a relaxed monthly cadence, so subscriptions that charge every 28–35 days are flagged even if dates shift slightly due to weekends or holidays. You can click “Download cleaned CSV” to export normalized data with categories and merchant names standardized for further analysis or tax preparation.
Privacy and security by design
This page is engineered to run entirely in your browser. Your file is never transmitted to our servers. If you close the page or click Reset, the data is removed from memory. We recommend storing the cleaned CSV in a secure folder and avoiding uploads to third-party sites unless you trust the destination.
Use cases: personal budgeting, tax prep, reimbursements
For budgeting, the cleaned CSV integrates neatly with spreadsheets and envelope apps. For tax prep, you can isolate categories like travel, meals, subscriptions, and fees to support deductions where applicable. If you submit reimbursements, filter by normalized merchant names to produce tidy summaries. The recurring charges table is also helpful for identifying subscriptions you no longer use.
FAQs — American Express Statement Analyzer
Do you store or share my statement?
No. Parsing and analysis happen in your browser. We don’t upload, store, or share your files.
Which formats work best?
CSV is best. OFX/QFX is supported for core fields. If you only have PDF, copy the table to a spreadsheet and export as CSV.
What if my dates are DD/MM/YYYY?
We auto-detect both MM/DD/YYYY and DD/MM/YYYY. If a row fails to parse, the raw text is preserved in the export for manual correction.
Can I edit categories?
Yes. Download the cleaned CSV and adjust categories in your spreadsheet or budgeting tool. We keep standardized merchant names to make changes easy.
How are recurring charges detected?
We look for transactions to the same merchant that recur roughly every 28–35 days with similar amounts, allowing for minor variance.
Is business AmEx supported?
Yes, if you can export CSV or OFX/QFX. Memo fields vary by product; core fields still work.
What about foreign currency fees?
If FX fees are itemized, we classify them to Fees. If embedded in the amount, the posted amount is used for totals and category sums.
Can I merge multiple cards?
Analyze and export each card, then combine the cleaned CSVs in your spreadsheet. Merchant names and categories will remain consistent.
Changelog — American Express page
- v1.0 (2025-11-28): Initial release with CSV + OFX support, category/merchant normalization, recurring detection, and cleaned CSV export.
