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A budget app that imports QIF files
Home Budget Analytics reads QIF (Quicken Interchange Format) files from any bank and from other finance tools, recognizing them automatically on upload. There is one limit to know before you start: QIF has no currency field, so every QIF import is tagged USD. That is fine for a US dollar account and wrong for anything else.
The currency limit, stated plainly
A QIF file records dates, amounts and payees, but nothing says which currency the amounts are in. Home Budget Analytics therefore tags every transaction from a QIF file as USD.
If your account is in US dollars, this changes nothing. If it is in euros, pounds, zlotys or any other currency, a QIF import will carry the wrong currency, and the amounts will be converted to your home currency as though they were dollars. For non-USD accounts, use OFX/QFX, CAMT.053 or CSV instead. Those formats let the currency be stated correctly.
Which format should you use?
| Your account | Best choice | Why |
|---|---|---|
| US dollars, and QIF is what you have | QIF is fine | USD is the right currency |
| Any other currency | OFX/QFX, CAMT.053 or CSV | The currency is declared in the file, read per entry, or set by you |
| Mixed currencies in one account | CAMT.053 or OFX/QFX | A QIF file cannot say which entry is in which currency |
| Bank offers only QIF and the account is not in USD | Try CSV from the same bank | You set the currency on the mapping screen |
Where QIF files come from
QIF is an older, plain-text format: each transaction is a short block of lines, one for the date, one for the amount, one for the payee, closed by a separator line. Newer bank portals tend to favor OFX or CSV, but some banks still offer QIF, and many finance programs can export it.
That second source is the common one today. If you are leaving another budgeting tool and it can write QIF, you can bring your history over by exporting from it and uploading the file here. Check first that the account was in US dollars, for the reason above.
Importing a QIF file
Nothing needs configuring.
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1
Export the file
In your bank's download menu or in the other tool's export function, choose QIF and the date range you need.
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2
Check the account currency
If it is not US dollars, go back and export OFX, QFX, CAMT.053 or CSV if you can.
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3
Upload it
Add the file to Home Budget Analytics (up to 20 MB). The format is recognized from the file and no bank or column choice is needed.
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4
Confirm categories
Confirm a category once for each new merchant. The rule applies to future transactions, and duplicates matching on date, merchant, amount and currency are skipped.
Questions about QIF imports
Why is everything tagged USD?
Because QIF files contain no currency information, so there is nothing to read. Home Budget Analytics uses USD for every QIF import.
My account is in euros. Can I still use QIF?
It is better not to. The transactions would import with the wrong currency. Use OFX/QFX, CAMT.053 or CSV, which let the correct currency come through.
Is QIF the same as QFX?
No. QFX is a variant of OFX, a newer structured format that declares its currency. QIF is the older plain-text format without one. See the [formats overview](/bank-formats) for how each is handled.
Can I upload the same QIF twice?
Yes, it is safe. Transactions that match what is already imported on date, merchant, amount and currency are skipped.
Bring in your QIF export
If your account is in US dollars, upload the file and see where your money goes. 14-day free trial, no card required.
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