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How to Analyse Your Bank Statement in Google Sheets

Google Sheets is one of the most powerful free tools for analysing your spending. Once you have your bank statement in CSV format, you can build charts, pivot tables, and spending summaries in minutes.

Step 1: Convert Your Statement to CSV

Use csvbank.com to convert your bank statement PDF to CSV. The output includes Date, Description, Category, Debit, Credit, and Balance columns.

Step 2: Import into Google Sheets

Open Google Sheets and create a new spreadsheet. Go to File → Import → Upload and select your CSV file. Choose Comma as the separator and click Import data.

Step 3: Build a Spending Summary

Use a SUMIF formula to total spending by category:

=SUMIF(C:C,"Dining",D:D) — totals all dining debits.

Repeat for each category: Groceries, Transport, Utilities, Shopping, etc.

Step 4: Create a Chart

Select your category totals and click Insert → Chart. A pie chart works well for showing spending breakdown. A bar chart is better for comparing month over month.

Useful Google Sheets Formulas for Bank Data

• SUMIF — total by category or merchant
• COUNTIF — count transactions by type
• AVERAGEIF — average transaction size by category
• PIVOT TABLE — summarise spending by month and category