Bank Statement Credits Calculator
Upload bank statements to inspect service-reported totals. Results may contain classified income and costs rather than all credits and debits.
Add bank statements to inspect the totals the processing service returns. It may return classified income and cost estimates rather than all credits and debits. Credits can include transfers, refunds, and loans; total credits are not the same as taxable income.
Server processing: When you run this tool, your statement files are uploaded through OneClickUse to its external processing service. Selecting a file does not upload it.
Written by Anil Gautam · Updated
What is sent when you calculate?
Adding files only builds a list in your browser, and you can remove any file before you start. When you press Calculate total credits, every file in the list goes in a single request through OneClickUse to an external processing service, which reads the transactions and sends back totals. PDF, CSV, XLS and XLSX files are accepted, empty files are refused, and the combined size must stay within 25 MB. Any change to the list clears the last result, so calculate again after adding or removing a file.
The Try a sample result button shows synthetic figures generated in your browser, with no upload: total credits of ₹82,500 and total debits of ₹46,750. Its CSV download is labelled as a sample.
How do you read total credits, debits and net cash flow?
The labels tell you what kind of answer came back. Total credits, Total debits and Net cash flow mean the service returned cash-flow totals, and net cash flow is credits minus debits. Service-reported income, Service-reported costs and Difference mean it returned classified estimates, which can leave out transfers, refunds or loans. Amounts use Indian digit grouping, such as ₹82,500.00, and are in rupees unless the service reports another currency.
Your statement's balances give a quick test of cash-flow totals: opening balance plus total credits minus total debits should equal the closing balance. With the sample figures, ₹82,500 minus ₹46,750 is a net inflow of ₹35,750, so a statement that opened at ₹1,20,000 should close at ₹1,55,750. For several consecutive statements, use the first opening balance and the last closing balance. A gap points to rows that were missed, misread or counted twice.
The summary CSV has the columns Source, Metric, Amount and Currency, with plain numbers such as 82500 that a spreadsheet can add up, plus note rows stating that credits are not taxable income.
Why might the totals look too high?
Statements that cover the same dates inflate both totals. A quarterly statement uploaded with one of its monthly statements counts that month twice. The result is also one set of totals for all files, so if you include statements from two of your own accounts, a transfer between them appears as a debit in one and a credit in the other.
To check individual rows, Bank Statement Converter turns a PDF statement into an Excel or CSV transaction table, which you can sort and compare with these totals. It also uses server processing.