TD Bank Bank Statement Analyzer
A TD bank statement analyzer built for TD Canada Trust statements and TD credit cards. Download a statement as a PDF or CSV, upload it, and every transaction is extracted, categorized in Canadian dollars, and checked for recurring charges and fees — with no TD EasyWeb login and no bank connection.
How to analyze a TD statement
Download your TD statement
Sign in to TD EasyWeb, open the account, then Statements/Documents for PDFs. The account activity view exports CSV, QFX and OFX for the last two years.
Upload the file
Drop the PDF or CSV into Ledger AI. Every transaction is extracted — dates, merchants and amounts in CAD — even from multi-line and multi-column layouts.
Read your report
In about a minute you get categorized spending, detected subscriptions, flagged fees and anomalies, and written insights you can act on.
What makes TD statements tricky
These are the layout quirks that break generic PDF-to-Excel converters — and what the analyzer does about them.
Separate debit and credit columns
TD statements use distinct withdrawal and deposit columns rather than one signed amount. Tools that assume a single amount column read every deposit as spending, or drop it entirely.
Transaction date and posting date both appear
Two dates per row means importers frequently grab the wrong one, which shifts transactions across month boundaries and breaks month-over-month comparisons.
CAD amounts and foreign-currency conversions
TD credit card statements show USD purchases with a converted CAD amount and a separate conversion fee line. Both are read correctly and the fee is flagged, since foreign-transaction fees are one of the most common quiet costs on Canadian cards.
Monthly plan fees and Interac charges
Chequing plan fees, Interac e-Transfer charges and overdraft interest are surfaced as their own group with an annualized total, rather than lost among ordinary purchases.
Where to download your TD statement
Sign in to TD EasyWeb, open the account, then Statements/Documents for PDFs. The account activity view exports CSV, QFX and OFX for the last two years.
Frequently asked questions
Do I need my TD EasyWeb login?
No. You download the statement from EasyWeb yourself and upload the file. Your EasyWeb credentials are never entered and no service connects to your TD account.
Does it handle Canadian dollars correctly?
Yes. Amounts are read and reported in CAD, and foreign-currency purchases on TD credit cards are matched with their converted CAD amount and conversion fee.
Does it work with other Canadian banks?
Yes — RBC, Scotiabank, BMO, CIBC and Tangerine statements all work, because the analyzer reads the statement document rather than integrating with each bank.
Will it catch TD monthly account fees?
Yes. Chequing plan fees, Interac charges and overdraft interest are extracted and flagged with what they cost you per year, which is often enough to justify switching account plans.
Your TD statement already has the answers
Upload one and see your spending, subscriptions and fees in about a minute. Free — no bank login, no card required.
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