A probate accounting is built from bank records: the decedent's final statements, the estate account you opened as executor, and every check and transfer in between. The court wants each receipt and each disbursement listed individually with a date, a source or payee, and an amount. BankXLSX converts those statement PDFs into Excel or CSV with the date, description, amount, and running balance in separate columns, so the schedules are a sort away instead of a month of typing. Start free, no credit card.
Last updated July 2026
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Convert every statement covering the accounting period into a spreadsheet, then split the rows two ways: money that came into the estate becomes the schedule of receipts, and money that went out becomes the schedule of disbursements. Each line needs a date, a source or payee, a description, and an amount. The summary then works like a balance sheet for the period: property on hand at the start, plus receipts and gains, equals disbursements, losses, distributions, and property on hand at the close. Because the running balance converts with the transactions, the ending cash on your schedules can be tied straight back to the statement.
Courts want transaction-level detail, not summaries. That detail lives in statement PDFs that nobody can sort.
A schedule of disbursements is not a total. It is each payment, with the date, the payee, and what it was for. Estates that ran for a year or two carry hundreds of them.
The decedent's accounts before they were closed, the estate checking account you opened, sometimes a brokerage cash account. Different banks, different layouts, one accounting.
Property on hand at the beginning of the accounting comes from the inventory, and the cash figure has to agree with the statement balance on the date of death, to the cent.
Banks routinely provide a decedent's historical statements as mailed copies or image-only PDFs, which will not copy and paste into anything.
An accounting is served on the beneficiaries, and objections start with a disbursement nobody can explain. Sloppy or incomplete detail turns into a hearing.
An executor or administrator answers personally for the accounting. Keyed-in numbers that do not foot to the bank are a bad place to be.
BankXLSX is the data step between a stack of statements and the schedules the court expects.
Each deposit and each payment becomes a row with the date, description, and signed amount, which is exactly the granularity a schedule of receipts or disbursements needs.
The printed balance converts with the rows, so cash on hand at the close of the accounting ties directly to the statement rather than to your arithmetic.
A decedent's archived statements often come back from the bank as scans. OCR tuned for statement layouts reads them the same as a clean download.
Convert the decedent's accounts and the estate account together. Bank formats differ; the output columns do not, so the accounts consolidate cleanly.
Automatic categorization gives you a first pass at splitting funeral costs, taxes, attorney and fiduciary fees, insurance, and property upkeep instead of a blank column.
256-bit encryption in transit, deletion on your schedule, and no reselling or sharing of uploaded data.
No software to install and no credit card to start.
Add the decedent's statements covering the date of death and the estate account statements for the whole accounting period, native PDFs or scans.
Tip: Include the statement that contains the date of death so the opening cash figure is provable.
Sort by amount sign. Money in becomes the receipts schedule, money out becomes the disbursements schedule, and transfers between estate accounts get flagged so they are not double counted.
Tip: Tag each disbursement with its purpose while the detail is fresh.
Export XLSX or CSV, total each schedule, and carry the totals into the summary of account so charges equal credits.
Tip: Ending cash on the schedules should equal the closing statement balance.
Anyone who has to prove, line by line, what happened to a decedent's money.
Turn a client's shoebox of statements into schedules your paralegal can finish, without billing hours against data entry.
Produce an accounting the court and the beneficiaries can follow, with every figure traceable to a statement page.
Handle multiple estates and trusts on the same repeatable extraction step instead of a different manual process per bank.
Get the cash detail needed for Form 1041 income and deduction work at the same time as the court accounting.
Formats differ by state, but the structure is remarkably consistent because most states either follow the Uniform Probate Code or a close cousin of it. There is a summary that balances, and there are schedules that support every figure in the summary. California codifies it clearly in Probate Code sections 1061 and 1062: the summary shows charges on one side and credits on the other, and the detail schedules must show each receipt with its nature, source, and date, and each disbursement with its nature, payee, and date. Other states use different form numbers and different labels, but a court anywhere will want the same substance.
| Part of the accounting | What it contains | Where the data comes from |
|---|---|---|
| Property on hand at start | Inventory and appraisal values as of the date of death | Statement balance on the date of death, plus non-cash assets |
| Schedule of receipts | Each item of income or asset received, with source and date | Deposits into the estate account |
| Schedule of disbursements | Each payment made, with payee, purpose, and date | Checks, transfers, and debits out of the estate account |
| Gains and losses on sale | Difference between inventory value and sale proceeds | Sale proceeds deposited, compared to appraised value |
| Distributions | Interim or final payments to beneficiaries | Checks and transfers out to named beneficiaries |
| Property on hand at close | What remains for distribution at the end of the period | Closing statement balance, plus remaining assets |
Everything in that right-hand column is a bank record. That is why the accounting stalls on extraction: the schedules cannot be written until the statements are rows.
Start with one tab holding the converted transactions from every estate account, with columns for date, account, description, payee or source, amount, and running balance. Add a category column and use it to route each row: receipts, disbursements, distributions, or transfers between estate accounts. Transfers matter more than people expect, because moving money from the decedent's old account into the new estate account is not a receipt and not a disbursement, and counting it as either inflates both schedules. Then build one tab per schedule with a filter on the category column, and a summary tab that pulls the schedule totals into the charges and credits format. The check that the whole thing rests on is simple: opening cash plus receipts minus disbursements minus distributions should equal the closing statement balance. If it does not, a transaction is missing or double counted. The pivot and formula mechanics are covered in how to analyze bank statements in Excel, and the transaction categorization tool gives the category column a first pass.
Before any of this, you usually have to obtain records for accounts you never had access to. Banks release a decedent's statements to the executor or personal representative on presentation of letters testamentary or letters of administration along with a certified death certificate, and older periods often come back as mailed paper or scanned images rather than downloadable files. That is normal, and it is why OCR matters here more than in most workflows. Expect several business days per request and a copying fee for archived statements at many institutions, so order the full period early. How far back the bank can go is covered in how far back you can get bank statements, and heavily degraded copies go through the OCR bank statement converter.
Not every estate files a formal accounting with the court. In many states, if all beneficiaries are competent adults and sign a waiver of accounting and receipt of distribution, the personal representative can close on a petition without a full court accounting. That does not mean the numbers stop mattering. Beneficiaries commonly ask for an informal accounting before they sign anything, and a schedule built from converted statements is exactly what satisfies that request quickly. It is also your protection: the fiduciary who can hand over a complete, statement-traceable ledger is the one who does not end up defending a surcharge claim later. If a dispute does develop and money appears to have moved before or after the date of death, the tracing methods on the forensic accounting bank statement analysis page pick up where the accounting leaves off.
BankXLSX prepares the data. It converts statement PDFs into accurate, source-traceable Excel or CSV so the schedules rest on numbers that tie back to the page. It does not give legal advice, it does not know your county's local form requirements, and it does not file anything with the court. What it removes is the transcription that sits between a stack of statements and the first useful schedule. Attorneys handling the wider file can route other work through the law firm converter workflow, and the general-purpose bank statement converter reads statements from more than 90 US banks and cards, so an estate with accounts at four institutions still produces one consistent spreadsheet.
It is the formal report an executor or administrator gives the court and the beneficiaries showing everything that happened to the estate's money. It lists property on hand at the start, every receipt, every disbursement, gains and losses on sales, distributions made, and what remains at the close of the period.
Two supporting schedules behind the summary of account. The receipts schedule lists each item of income or property received with its nature, source, and date. The disbursements schedule lists each payment with its nature, payee, and date. Both are transaction-level, not summarized totals.
Put all converted estate transactions on one tab with date, account, description, payee, amount, and running balance columns, add a category column to split receipts, disbursements, distributions, and internal transfers, then build a tab per schedule and a summary tab. Opening cash plus receipts minus payments should equal the closing statement balance.
The accounting period normally starts at the date of death and runs to the closing date of the account or the end of the reporting period. Executors often also pull several months before death to identify recurring bills, automatic payments, and any transfers a beneficiary may later question.
Yes, as the appointed executor, administrator, or personal representative. Banks generally require letters testamentary or letters of administration plus a certified death certificate. Archived statements often arrive as mailed paper or scanned images and may carry a per-copy fee, so request the full period early.
No. Many states allow a personal representative to close without a full court accounting when all beneficiaries are competent adults who sign waivers. Beneficiaries frequently still ask for an informal accounting before signing, so the underlying schedules are worth preparing either way.
Yes. Decedent statements pulled from a bank archive are commonly image-only. BankXLSX reads them with OCR tuned for statement layouts and keeps the printed running balance, so the extracted rows can be footed against the source pages.
No. It converts statement PDFs into Excel or CSV so the receipts and disbursements detail exists as data. Preparing the county's accounting form, applying state probate rules, and filing remain with the fiduciary and their attorney.
The wider matter and firm statement workflow.
Tracing when an estate dispute develops.
Split payments into schedule categories.
Read scanned and mailed statements.
The balance column that foots every page.
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