StubCSV vs. bank statement converters
Bank tools read statements. StubCSV reads pay stubs, W-2s, and 1099-NECs, and it parses them in memory without ever storing your PDF.
- No signup
- Files never stored
- SSNs masked
- 2 free conversions a day
Different documents
Two kinds of PDF, two kinds of tool
A bank statement is a list of transactions. A pay stub or tax form is a set of labeled amounts. Each needs a parser built for its layout.
Bank statement converters
Read statements.
- Built for
- Checking, savings, and credit card statements
- Each row in the CSV
- A transaction: date, description, debit or credit, balance
- Good for
- Importing transactions into accounting software
- Categorizing spending
- Reconciling an account balance
StubCSV
Reads pay stubs, W-2s, and 1099-NECs.
- Built for
- US pay stubs, Form W-2, and Form 1099-NEC
- Each row in the CSV
- A pay stub line (earnings, tax, deduction) or a numbered tax-form box
- Good for
- Proof of income for rentals and loans
- Entering W-2 and 1099 figures for tax prep
- Tracking withholding and deductions over a year
Side by side
How they compare
| Feature | Bank statement converters | StubCSV |
|---|---|---|
| Documents it's built for | Bank and credit card statements | Pay stubs, Form W-2, and Form 1099-NEC |
| What one CSV row represents | A transaction | A pay stub line or a tax-form box |
| Gross pay, net pay, and YTD totals | Not what statement parsers look for | Extracted and labeled, current and year-to-date |
| Taxes and deductions | Not applicable to statements | Federal, state, Social Security, Medicare, 401(k), health, and more, each categorized |
| W-2 and 1099-NEC boxes | Outside what statement parsers look for | Every box on its own row, including box 12 codes and state boxes |
| Built-in math checks | Statement-level, where offered | Gross − taxes − deductions = net; W-2 Social Security and Medicare rates |
| What happens to your upload | Varies by tool; check its retention policy | Parsed in memory and discarded. Never written to disk or stored |
| SSNs and TINs | Varies by tool | Masked to the last four digits |
| Free to try | Varies by tool | 2 conversions a day, no signup |
Bank statement converters vary. Check each tool's documentation and privacy policy for specifics.
Which one do you need?
Pick the tool that matches the PDF
Use a bank statement converter when…
- You're importing transactions into QuickBooks, Xero, or another ledger
- You want to categorize spending from a card statement
- You're reconciling an account balance month to month
Use StubCSV when…
- You need income figures from pay stubs for a rental or mortgage application
- You're copying W-2 boxes into a tax spreadsheet
- You freelance and want every client's 1099-NEC in one sheet
- You want to see where your gross pay goes across the year
Applying for an apartment or a mortgage? You may be asked for bank statements and pay stubs. They are different documents, so use the tool built for each. StubCSV handles the income side: pay stubs, W-2s, and 1099-NECs.
Your payroll PDF never touches a disk.
Pay stubs and tax forms are some of the most sensitive documents you own. StubCSV is built so we couldn't hand them over even if someone asked: we simply don't keep them.
Read the privacy policyProcessed in memory
Your PDF is read into server memory, parsed, and discarded the moment the response is sent.
Nothing is stored
No disk writes, no database, no file storage bucket. There is nothing to leak later.
SSNs masked
Social Security numbers and recipient TINs come back as ***-**-1234. We never send the full number back.
No content logging
We don't log file contents or extracted values. The CSV is generated in your browser.
Try it
Convert a pay stub, W-2, or 1099-NEC free
Drop in your PDF or run a sample. No signup, and nothing is stored.
Two free conversions a day covers most people. Working through a stack? A one-time pack of 50 credits is $19, or go unlimited for $9 a month. See pricing
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