LedgerTidy – Bank CSV to YNAB, Monarch & Sheets

Fix messy bank & credit card CSV exports for YNAB, Monarch, Actual Budget or Google Sheets. 100% local, nothing uploaded.

Every bank exports CSV differently: dates in DD/MM or MM/DD, separate Debit and Credit columns, CR/DR suffixes, decimal commas, junk lines above the header, pending rows that create duplicates. Budget apps reject the file, or worse, import it wrong. LedgerTidy fixes that in seconds. Drop in your bank's CSV and get a file your budget app accepts on the first try. WHAT IT DOES • Auto-detects delimiter, header row, date and amount columns, including Debit/Credit pairs, Transaction Type columns and headerless files. • Understands MM/DD, DD/MM, YYYY-MM-DD and '3 Sep 2026' dates, and warns when 03/04 is ambiguous. • Reads $1,234.56, 1.234,56 €, (45.00), 12.00 DR, trailing minus signs and currency symbols. • Cleans payee names, skips pending transactions, flips signs for credit-card files in one click. • Live preview with money-in / money-out / net totals before you export. EXPORT FORMATS • YNAB, Monarch Money, Actual Budget, Google Sheets / Excel • Pro: OFX and QIF (Quicken, GnuCash) PRIVATE BY DESIGN Files are processed entirely inside your browser. Nothing is uploaded, no account, no analytics, no bank login. The only network request is checking a Pro license key with Gumroad. PRO (one-time $19) • Merge many files and accounts at once with automatic duplicate removal • OFX and QIF export • Unlimited payee/category rules and saved bank profiles Free forever: one file at a time, all four CSV formats, 3 rules, 1 bank profile. LedgerTidy is not affiliated with YNAB, Monarch Money, Actual Budget, Google or any bank.