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Debit Credit Column Converter

Convert a signed amount column, separate Debit/Credit columns, or a single Dr/Cr-suffixed amount column into clean Debit and Credit columns — from a CSV or a text-based PDF statement.

Accepted: CSV, TXT or text-based PDF files. Your file is processed locally in this browser and is never uploaded.

Conversion preview

Verify dates, signs, row count and totals against the original statement before importing.

What this tool does

Convert bank transaction amounts into separate Debit and Credit columns. It supports three input shapes — a signed amount column, separate debit/credit columns, or a single amount column ending in "Dr" or "Cr" — and two file types: CSV/TXT and text-based PDF statements (including password-protected ones, unlocked locally). It creates a separate CSV download and never modifies or uploads the source file.

  • Signed amount, Debit/Credit, or Dr/Cr amount conversion modes
  • Automatic headerless-CSV detection with manual override
  • Automatic column-role detection with manual correction
  • Malformed and low-confidence rows are kept and marked "Needs checking" in the export, never silently guessed
  • Running-balance reconciliation where a balance column is available
  • Text-based PDF support, including password-protected PDFs unlocked entirely in your browser

How to use it

  1. Select a supported CSV, TXT or PDF file.
  2. Confirm the header status, conversion mode and column mapping (or enter the PDF password if asked — used only in your browser).
  3. Click Review Transactions and check the validation summary and any rows flagged for review.
  4. Download the CSV — every row is included, and any row that couldn't be confidently separated is marked "Needs checking" with its original amount text kept alongside it.
Privacy: The selected file — and, for a password-protected PDF, the password itself — is never sent to any server. Conversion, PDF text extraction and password unlocking all happen locally in this browser.

Questions about Debit Credit Column Converter

How are signs handled?

When splitting a signed amount, negative values become positive Debit values and positive values become Credit values. "Dr" always becomes Debit and "Cr" always becomes Credit.

What happens when combining?

Credit minus debit produces the signed amount. Debits therefore become negative amounts.

What does the tool do if it isn't sure about a row?

It never invents a Debit or Credit value. The row's original data is kept as-is and marked "Needs checking" with its untouched original amount text — the row is still included in the export, nothing is skipped, excluded or blocked.

Does this work with any PDF bank statement?

Only text-based PDFs where the statement text can be selected/copied. Scanned or image-only PDFs are detected and rejected with a clear message rather than a silent empty result. Layout support varies by bank; low-confidence rows are always flagged for manual review rather than exported as fact.

Is my PDF password safe?

Yes. It is used only in your browser to unlock the file locally (via a bundled copy of PDF.js, not a server or third-party service) and is discarded immediately afterward — it is never transmitted, logged, or stored.