Two minutes at your bank, then drop the file.
Overpaid? reads the spreadsheet version of your statement, a file that ends in .csv. Every bank offers it; they just hide it under different names. Nothing you download is uploaded anywhere: the file is read by your browser and stays on your device.
Where it lives
| Bank | Path |
|---|---|
| Chase | Accounts, then Download account activity. File type: CSV. |
| Bank of America | Open the account, Download transactions. File type: Microsoft Excel (CSV). |
| Wells Fargo | Account activity, Download. File type: Comma delimited. |
| Capital One | Open the account, Download transactions. File type: CSV. |
| Citi | Account details, Export. File type: CSV. |
| US Bank, PNC, Truist, TD | Account activity or Transactions, then Download or Export. Pick CSV or Excel. |
| Credit unions | Under the account history look for Export or Download. Pick CSV or Excel; Quicken and QuickBooks formats do not work. |
| Rocket Money, Monarch, Copilot, YNAB | Settings, then Export transactions. One file for every account at once. |
How much to download
Three months is the best read: it tells the site which charges repeat and averages the ones that vary. One month works. A year is fine too, just slower.
Which accounts
Every account you pay bills from. If your phone, streaming and groceries go on a credit card, the checking statement only shows one line for the card payment, so drop the card statement too. Each drop adds to the audit; Clear everything on the audit page starts over.
If your bank only shows a PDF
Look again under Export, Download, or the account history menu; the spreadsheet option is usually one level deeper than the PDF. If it is truly not there, a budgeting app connected to that bank (Rocket Money, Monarch) will export the CSV for you. Reading PDFs directly is on the list, but it is not here yet.