QIF to CSV Converter — Old Finance Software Archive to Spreadsheet

Browser-local archive-format reader

Use QIF to CSV

Reads a QIF file in this tab and writes the transactions out as CSV. QIF is the format old finance software exported, so this is usually about getting data out of an archive. Nothing is uploaded.

QIF fileDay/month order

QIF dates have no fixed day/month orderThe format never recorded whether 03/04 means 3 April or 4 March, so the order is worked out from dates the digits settle — a number above 12 can only be a day — and reported as assumed when nothing proves it. Check the preview and switch the order if the dates look wrong. PDF and scanned statements are not supported: reading those needs layout analysis or OCR this tool deliberately does not do. Accounting software will also usually ask you to map these columns during import.

Tested with a mixed file containing an apostrophe year, a comma thousands separator, a three-way split and an account header block. The split stayed a single row at its full amount rather than being expanded, and a deliberately ambiguous file reported that month-first had been assumed instead of presenting the guess as a reading.

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About QIF to CSV

Quicken Interchange Format is the oldest thing on this site by some margin. It dates from an era when a transaction was a handful of one-letter codes on consecutive lines — D for the date, T for the total, P for the payee — terminated by a caret on a line of its own. Nearly everything exported it: Microsoft Money, early Quicken, GnuCash, a generation of building society and credit union systems. Nearly nothing reads it now, which is a problem when the file is the only remaining copy of a decade of records. This page reads it in your browser and writes out CSV. One thing deserves saying before you start, because it is the reason most QIF conversions go quietly wrong: the format never recorded whether a date is written day-first or month-first. Every other converter has to pick one. This one tells you which it picked and why, and lets you overrule it.

Work through the input

Each record is a run of single-letter field lines closed by a caret on its own line. Date, total, payee, memo and cheque number are mapped to columns; the category line has no column of its own so it is carried into the memo rather than discarded.
The day/month order is worked out from evidence, not habit. A component above twelve can only be a day, so a single date like 15/01 settles the whole file. Where every date works both ways the file is genuinely ambiguous, month-first is used as the Quicken convention, and you are told that an assumption was made.
When dates within one file contradict each other — some proving day-first and others proving month-first — that is reported as a conflict rather than resolved silently, because a file like that has been assembled from two sources and needs a human decision.
Year handling covers all three conventions the format used: four digits, two digits windowed at 1970, and Quicken's apostrophe form where 01/15'26 means 2026.
Split transactions describe how one payment was divided between categories. They are summarised in the memo and counted, never expanded into separate rows, because expanding them would inflate the statement total by counting the same money twice.
An account block at the top of the file names the account without being mistaken for a transaction, so its name reaches the account column instead of appearing as a row with no amount.

When qif to csv is useful

A Microsoft Money archive nothing will open

Money was discontinued and its exports were QIF. Converting to CSV gives you a file any spreadsheet reads, which is a far better long-term home for records you may need years from now.

A UK export where every date came out wrong

British software wrote day-first; American converters assume month-first. If the preview shows implausible dates, switch the order and the whole file re-reads from the copy already in the tab.

Check the output

QIF records no currency. There is no field for it, so the currency column comes out empty rather than filled with a guess, and the totals are reported under a currency of none.
There is no transaction identifier either. OFX-family formats carry a unique FITID per row; QIF has nothing equivalent, which makes matching an old QIF against a ledger harder and is worth knowing before you rely on it.
Investment QIF files, which record buys, sells and dividends rather than bank transactions, are outside what this converts. A file declaring that type is reported rather than being read as if the amounts were ordinary payments.
PDF and scanned statements are not supported. Reading a page layout needs OCR or layout analysis, neither of which happens here, and a wrong column boundary produces a file that looks right and is not.
The date order is the single biggest risk in this format. Read the preview before downloading; a file where every date works both ways can be silently wrong by up to eleven months in either direction, and only you know which is correct.

Questions about QIF to CSV

Why do my dates come out wrong in other QIF converters?

Because the format never stored the day/month order and most converters assume American month-first. A British or Australian export then reads 06/07 as 6 July instead of 7 June. Here the order is inferred where the digits prove it, stated when it had to be assumed, and switchable.

Does the file have to say !Type:Bank?

No. A file with no header is read as bank transactions, which is what most exports are. A file declaring an investment or list type is reported instead, since those records are not payments and treating them as payments would be misleading.

What happens to split transactions?

The payment stays one row for its full amount, with a note in the memo saying how many split lines it had. Expanding splits into rows would count the same money twice and make the file's total disagree with the account.

Why is the currency column empty?

Because QIF has no currency field. Anything in that column would be invented rather than read. If you know the currency, add it in the spreadsheet after converting.

QIF to CSV