Tier: Web Free Tier
Categorize Credit Card Transactions Instantly
Download credit card CSV files from your banks. Upload CSV files and get categorized output.
Categorize your spending instantly, with summary report.
Different banks have different credit card CSV formats. You will get back a combined CSV with a normalized format plus ai_category column.
Summary Report Preview
Artifacts: all_categorized_normalized.CSV: Present Summary.CSV: Present Categorization Summary: Date range: 2024-12-30 to 2025-12-22 Rows categorized: 612 Remaining uncategorized: 0 Percentage total used (net spend): 69,917.80 Refund/Credit: 2,315.22 Payment / Transfers: -$73,320.47 (0.0%) Utilities / Services: $15,174.02 (21.7%) Insurance: $8,842.00 (12.6%) Dining / Coffee & Fast Food: $7,837.27 (11.2%) Air Travel: $5,678.86 (8.1%) Groceries: $5,428.63 (7.8%) Financial Services: $5,000.00 (7.2%) Retail / Shopping: $3,966.25 (5.7%) Retail Shopping: $2,761.77 (4.0%)
Advanced Amazon Clearing Tool (Desktop App)
Spreadsheet Views Across the Clearing Process
Here is what the spreadsheets actually look like at each stage of the clearing process.
A. Input CSVs (Before Clearing)
Source A: Normalized Credit Cards (all_categorized_normalized.CSV)
The bank card statement only shows the raw charge. The family doesn\'t know what was bought.
| Date | Description | Category | Amount | Card ID | SourceFile |
|---|---|---|---|---|---|
| 2026-05-17 | AMAZON* ZP4XH8UJ4 | Shopping | -50.00 | ****1234 | bank_statement_1234.csv |
Source B: Extracted Gift Card Activity Ledger (giftcard/amazon_transactions_*.csv)
Tracks gift card balance spend. Shows the order number, but no item details.
| Order Date | Order ID | Item Name | Total Amount | Transaction Type | Payment Method |
|---|---|---|---|---|---|
| 2026-05-15 | 111-2222222-3333333 | Gift Card Spend | -20.00 | Debit | Gift Card Balance |
Source C: Extracted Amazon Transaction History (amazon_transactions_*.csv)
The bridge that reveals the payment structure of the order.
| Order Date | Order ID | Item Name / Description | Total Amount | Transaction Type | Payment Method |
|---|---|---|---|---|---|
| 2026-05-15 | 111-2222222-3333333 | Multi-Item Order (3 items) | -50.00 | Debit | Visa ****1234 |
| 2026-05-15 | 111-2222222-3333333 | Multi-Item Order (3 items) | -20.00 | Debit | Gift Card |
Source D: Downloaded Amazon Order History (categorized_Retail.OrderHistory.1.CSV)
The itemized list with descriptions and categories, but no split payment context.
| Order Date | Order ID | Product Name | Total Owed | Order Status | ai_category |
|---|---|---|---|---|---|
| 2026-05-15 | 111-2222222-3333333 | Modern Chef\'s Knife | 45.00 | Shipped | Kitchen |
| 2026-05-15 | 111-2222222-3333333 | Organic Coffee Beans | 15.00 | Shipped | Groceries |
| 2026-05-15 | 111-2222222-3333333 | Sci-Fi Novel | 10.00 | Shipped | Books |
B. Tier 2: Order-Level Reconciled CSV (Amazon_Clearing_Account.csv)
Shows how the card charge ($50) and gift card ($20) are gathered to pay the $70 generic order.
| Date | Order ID | Description | Category | Funding In (+) | Expense Out (-) | Reconciliation Status |
|---|---|---|---|---|---|---|
| 2026-05-17 | 111-2222222-3333333 | Visa ****1234 | Visa Funding | 50.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Gift Card Funding | Gift Card Funding | 20.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Amazon Order Reconciled | Amazon Order | -70.00 | Reconciled |
∑(Funding In) + ∑(Expense Out) = $50.00 + $20.00 + (-$70.00) = $0.00. The ledger is perfectly zero-balanced.C. Derived Cleared Bank Statement (all_categorized_normalized_cleared.CSV)
The original credit card charge has been relabeled as a transfer to prevent double-counting.
| Date | Description | Category | Amount | Card ID | SourceFile |
|---|---|---|---|---|---|
| 2026-05-17 | AMAZON* ZP4XH8UJ4 | Transfer to the Amazon Clearing Account | -50.00 | ****1234 | bank_statement_1234.csv |
D. Tier 3: Item-Level Cleared CSV (Itemized_Amazon_Clearing_Account.CSV)
The generic -$70.00 expense is deleted and replaced with three itemized, categorized lines!
| Date | Order ID | Description | Category | Funding In (+) | Expense Out (-) | Reconciliation Status |
|---|---|---|---|---|---|---|
| 2026-05-17 | 111-2222222-3333333 | Visa ****1234 | Visa Funding | 50.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Gift Card Funding | Gift Card Funding | 20.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Modern Chef\'s Knife | Kitchen | -45.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Organic Coffee Beans | Groceries | -15.00 | Reconciled | |
| 2026-05-15 | 111-2222222-3333333 | Sci-Fi Novel | Books | -10.00 | Reconciled |