1. Your transactions and your rules
Needs a date, a description and an amount (or debit and credit) column; a business column is used when present. Column names are matched by alias and are unverified against real bank exports: if a file is not read, the page says which rows were skipped and why. Money in should be positive; tick the box below for card exports that list charges as positive.
Choose the export file or paste it, then click Categorize.
Result
By business, by Schedule C line
Not categorised
Add a “keyword => category” rule for each and click Categorize again. Category names you can use: .
| Date | Description | Amount |
|---|
Purchases that may be equipment, and rows that look personal
| Date | Description | Amount | Why flagged |
|---|
The model, and what it leaves out
- Lines: receipts are line 1; expenses use lines 8 to 27 of Schedule C as printed on the form (check the form for your year). Built-in keyword rules are conservative: a description that could fit two lines is left uncategorised rather than guessed.
- Held out, on purpose: your own estimated income and self-employment tax payments, health insurance and retirement contributions (Schedule 1), equipment and large purchases, loan proceeds and principal, transfers between your own accounts (also paired automatically when an equal and opposite row appears within three days), and owner draws.
- Gross versus net: deposits from Stripe, PayPal, Square, marketplaces and gig apps are normally after fees. Line 1 is gross, and the fee goes on line 10. Type the gross from your 1099 or platform report to see the gap.
- Meals: shown at 50 percent on line 24b, with the amount spent alongside.
- Reconciles. Line items add to each business's expenses, businesses add to the totals at the top, and the full transaction CSV lists every row with the rule that decided it.
- Not modelled: self-employment tax and income tax, depreciation and Section 179, the home office, vehicle mileage and business-use shares of phone and internet, cash income, sales tax collected, inventory and cost of goods sold (Part III), state rules, and the qualified business income deduction.
- Unverified: column names are matched by alias and no real bank export was available when this was written.
Common questions
How do I get my self-employment income and expenses onto Schedule C from a bank statement?
Export the year's transactions as CSV from each bank or card account you use for the business, drop them in here, and add a “keyword => category” rule for anything the built-in rules do not know. The tool sorts every transaction into a Schedule C line (gross receipts on line 1, advertising line 8, contract labor line 11, supplies line 22, and so on), shows totals per business, and lists what it could not categorise. Everything runs in your browser; the file is not uploaded.
Why are my deposits lower than my 1099-K?
Stripe, PayPal, Square, Etsy and gig apps usually pay out after taking their fee, so the bank shows the net. Gross receipts on line 1 are the gross amount, and the fee is a deduction on line 10. Type the gross from your 1099-K or the platform's year-end report and the tool shows the gap against the deposits it found.
Are my estimated tax payments a business expense?
No. Payments to the IRS or a state for your own income and self-employment tax are credited on Form 1040, not deducted on Schedule C. The tool holds them out of the expenses and shows the total so you can reconcile Form 1040-ES.
Is self-employed health insurance a Schedule C expense?
No. It is an adjustment on Schedule 1 with its own limits, as are SEP-IRA and solo 401(k) contributions. The tool holds those payments out and lists the total so a preparer can enter them in the right place.
How are meals treated?
Business meals are deductible at 50 percent on line 24b. The tool shows the deductible half and the amount spent. Only meals with a business purpose count, and a preparer may ask who you met and why.
Does it decide whether a laptop or camera is an expense or depreciable equipment?
No. Purchases over your limit, or worded like a computer, camera or machine, are held out or flagged. Small items can often be deducted at once under the de minimis safe harbor; larger ones are depreciated or expensed by election. That is a decision for you and your preparer.
Is my bank data uploaded?
No. The file is read in this browser tab and never leaves your device. There are no accounts, cookies or analytics vendors, and no bank login is asked for.