Free Monthly Cash Flow Summary Tool

Upload a transactions CSV and get a clean monthly cash-flow summary: total money in, total money out, and the net change for each month. Everything runs in your browser — nothing is uploaded.

What this tool does

1. Upload your transactions as a CSV. Working from a PDF statement? Run it through the free bank statement converter first.
2. Pick your columns. Choose the date column, then either a single signed amount column (positive = money in, negative = money out) or separate debit (money out) and credit (money in) columns.
3. Review the table grouped by month, then download the summary as a CSV.

Each transaction's date is read into a month (YYYY-MM) and amounts are summed in exact integer minor units, so the totals never drift from floating-point rounding.

Not a formal cash flow statement

This is a simple summary — money in, money out, and net per month. It is not a formal cash flow statement under IAS 7 or GAAP. It does not classify transactions into operating, investing, and financing activities, and it should not be used as an official statement for filing or audit. For an explanation of the formal three-section format, read what is a cash flow statement.

Rows that get skipped

Rows whose date can't be read — or is ambiguous, like 03/04/2026 where day versus month can't be told from the value alone — are excluded from the totals and counted so you can see exactly how many were left out. Clean those dates and re-upload if you need them included.

Common uses

Use the summary to see how money in and money out compared month to month, spot months where outflows ran ahead of inflows, or prepare a quick figure before a more detailed review. For a walkthrough of building a statement from raw transactions, see cash flow statement from bank transactions.