PayPal Statement Analyzer — CSV/PDF (Free, Private)
Upload your PayPal statement and get instant insights—top categories, subscriptions, fees, and net cashflow. Everything runs in your browser. We don’t upload or store your files.
Private by design CSV · PDF · OFX/QFX Export to CSV/Excel
Upload your PayPal statement
Tip: For best results, export CSV from PayPal Activity → Statements.
TL;DR
- Formats PayPal CSV (best), PDF (text-based), OFX/QFX.
- Instant insights categories, recurring charges, fees, cashflow.
- Privacy runs in your browser; we don’t store uploads.
- Export download cleaned CSV/Excel for taxes and budgeting.
How to export PayPal statements (web & mobile)
Exporting a clean CSV from PayPal gives the best results. Here’s how to do it on the web and in the app.
Web (paypal.com)
- Sign in → Activity.
- Select Statements or Download → choose the account and Custom date range (e.g., Last 12 months).
- Format: CSV. Click Download and save the file.
- Return here and upload it to the analyzer.
App (iOS/Android)
- Open the app → Activity → filters.
- Select your range and export option (CSV or PDF, if available).
- Share/save the file to your device and upload here.
PayPal provides different export layouts by region and account type. This tool detects common columns automatically and lets you export a standardized CSV.
What the analyzer detects automatically
This tool standardizes your PayPal statement into consistent columns, then computes core insights for quick review.
- Transactions normalized: Date, Description, Type, Gross, Fee, Net, Currency.
- In vs Out: sums gross in/out and fees, plus a Net Cashflow figure.
- Categories: smart rules based on Type/Description (e.g., “Payment Received,” “Purchase,” “Transfer,” “Refund,” “Subscription,” “Chargeback”).
- Recurring charges: detects monthly patterns for subscriptions; surface merchants with consistent billing intervals.
- Fees finder: highlights PayPal fees across the range and totals them separately.
PayPal CSV mapping (columns & formats)
Most PayPal CSV exports include some of the following columns. The analyzer looks for these names and falls back to best-guess matching when columns vary.
| PayPal column (example) | Mapped to |
|---|---|
| Date, Time, Time Zone | Date (combined to ISO) |
| Name / From / To | Description (merchant/payee) |
| Type | Type (Purchase, Payment Received, Transfer, Refund…) |
| Status | Ignored for totals; shown in table |
| Gross | Gross amount (+ in, − out) |
| Fee | Fee (negative number) |
| Net | Net (Gross + Fee) |
| Currency | Currency code (USD, GBP, EUR…) |
| Transaction ID | Kept as reference if present |
- CSV sometimes has separate Date & Time columns. We merge them to ISO.
- Gross/Fee/Net can be negative. We respect signs for totals.
- PDF exports vary widely; only text-based PDFs (not image scans) parse well.
- OFX/QFX fields are normalized where present (date, amount, memo).
Insights you will see
Once your file is parsed, you’ll see totals and a standardized table you can filter or export. Typical takeaways:
- Top categories and biggest merchants by spend
- Recurring subscriptions and renewal cadence
- Refunds vs purchases to spot dispute/return patterns
- Fees paid to PayPal over the period
- Monthly cashflow trend to see inflows/outflows at a glance
Privacy & security
Your file never leaves your device. Parsing and analysis happen entirely in your browser using the FileReader API. Use the Delete data button to clear all data from memory instantly. For more details, see our Privacy Policy.
Common use cases
- Budgeting: unify PayPal activity with bank/credit card data for a complete monthly view.
- Taxes: export clean CSV for bookkeeping or your accountant.
- Expense claims: identify reimbursable purchases with receipts linked in the Description field.
- Audit readiness: preserve a normalized export with consistent columns.
PayPal analyzer — FAQs
Do you store my PayPal statement?
No. The analyzer runs locally in your browser. Nothing is uploaded to our servers.
Which file format is best?
CSV is best. PDF can work if it contains selectable text (not an image scan). OFX/QFX are supported for basic fields.
Can I edit categories?
Yes. Categories are rule-based; you can override them in the table before exporting.
How do refunds and chargebacks appear?
They typically appear as positive Net amounts. The table shows the original Type with signs respected for totals.
What about multiple currencies?
We preserve the currency column. If your export includes mixed currencies, totals are computed per currency in this version.
Will this work for business accounts?
Yes—most business CSVs work. If your header names differ, the analyzer attempts smart mapping; otherwise you can remap fields before export.
Export & next steps
Use Download cleaned CSV to save a normalized file. If you’re filing taxes or preparing a budget, also try our US Paycheck & Tax, UK Salary & PAYE, and Mortgage tools.
Changelog
- 2025-11-28: Initial release — CSV/PDF/OFX inputs, fees/recurring detection, cleaned CSV export.
PayPal is a US-based financial technology company and one of the most widely used online payment systems in the United States and globally. It offers a variety of services for personal and business use, headquartered in San Jose, California.
Key Features and Services in the US
- Online Payments: Users can shop online at millions of stores without sharing their full financial information with every merchant.
- Send and Receive Money: Easily send or request money from friends and family using an email address or phone number.
- Multiple Payment Methods: You can link various funding sources to your account, including bank accounts, credit cards (Visa, Mastercard, American Express, Discover), and debit cards.
- PayPal Balance Account: Users can hold a balance in their PayPal account, which can be used for payments or transferred to a linked bank account.
- Debit and Credit Cards: PayPal offers branded debit and credit cards, such as the PayPal Debit Mastercard, which allows spending from a PayPal Balance account and earning cash back.
- Buy Now, Pay Later (BNPL): Options like PayPal Pay Later allow consumers to divide purchases into installment payments.
- Business Solutions: Businesses can accept payments online or in person, manage invoicing, offer guest checkout, and access financial services like business loans.
- Security: PayPal employs 24/7 fraud monitoring and data encryption to protect financial information and offers Purchase Protection on eligible transactions.
Access and Contact Information
- Website: The primary website for US users is www.paypal.com.
- Mobile App: The PayPal app is available for iOS and Android, allowing users to manage their accounts on the go.
- Customer Service: For help with account issues, tax information, or general inquiries, the support center and contact information can be found at https://www.paypal.com/us/cshelp/contact-us.
PayPal facilitates over $2 trillion in annual payment volume across approximately 200 markets, connecting people and businesses globally.
