CSV to QIF converter

Why QIF, and why converters for it are usually downloads

QIF is the oldest and simplest transaction format still in daily use: one letter per field, one caret per record. Quicken, GnuCash, Moneydance, MoneyMoney, Banktivity and most personal-finance tools import it, which makes it the reliable fallback when a bank offers CSV and your software does not read CSV.

Almost every other CSV-to-QIF tool is a Windows program you install, or a paid utility with a free trial that watermarks the output. This one is a web page. Nothing installs, nothing expires, and the file stays on your computer regardless.

The date field is where QIF conversions break

QIF has no date-format declaration. A US file writes 01/02/2024 meaning 2 January; a UK file writes the same characters meaning 1 February. Software guesses from its own locale, so a mis-signed date silently lands a year of transactions in the wrong months.

The converter normalises the date to MM/DD/YYYY, which is what Quicken and the tools that follow its conventions expect. It reads ISO (2024-01-15), US and European slash and dotted forms, and month names, and where a date is unambiguous — a first field above 12 can only be a day — it is rewritten day-first rather than left to your software to misread. A date it genuinely cannot place is passed through unchanged rather than guessed at.

Amount signs come from the balance, not the column heading

In QIF the T field carries a signed amount, so getting the sign wrong is not a cosmetic problem — it inverts the transaction. If your CSV has separate Debit and Credit columns with no minus signs, the converter reads Debit as money out. If it also carries a running balance, the sign is taken from how the balance moved between rows, and the badge above tells you whether every row agreed.

Importing the QIF

1. Convert your CSV above and download the .qif.
2. In Quicken, use File → File Import → QIF File, then pick the account.
3. In GnuCash, use File → Import → Import QIF, which walks you through account mapping.
4. Review the first and last transaction dates after import — that is the fastest way to catch a day/month mix-up before it spreads.

Nothing is uploaded

The file is read in this browser tab with JavaScript and converted on your machine. There is no upload, no queue, no server-side copy and no account to create. A transaction export carries your account number, your salary and everyone you pay — the safest converter is the one that never receives the file at all.

You can verify it: open your browser devtools, switch to the Network tab, and convert a file. Your file is not among the requests — the only traffic is an anonymous analytics ping that records that a conversion happened, never what was in it.