Univik QIF File Converter
Univik QIF Converter reads every field in your Quicken Interchange Format file. It reads transactions, splits, categories, memos, investment records and cleared status and exports clean, structured data to the format your software needs. 100% offline. Your financial data never leaves your computer.
*Free trial converts the first 10 transactions per file. No registration required.
Trusted by 10,000+ Users
Individuals, bookkeepers and small business owners use Univik QIF Converter to recover, migrate and analyse Quicken financial data.
QIF Fields Supported
D
Date
T
Amount
P
Payee
M
Memo
L
Category
C
Cleared
N
Ref / Cheque
S
Split Cat.
$
Split Amount
E
Split Memo
A
Address
^
Record End
About the Format
The universal personal and small business finance format that Quicken, GnuCash, YNAB and dozens of apps have used for decades.
QIF stands for Quicken Interchange Format. Intuit created it in the 1980s as a portable, plain-text way for Quicken to export and import financial transactions. It became the de facto standard for personal finance data exchange and is still widely used today.
A QIF file is structured as a series of one-letter field codes followed by values. Each transaction ends with a caret (^) character. The file opens with a !Type: declaration that tells the reader which kind of account the data represents.
QIF files carry the .qif extension and are generated by Quicken exports, bank download portals and legacy finance software including Microsoft Money, Moneydance and KMyMoney.
| D | Date | Transaction date (format varies by bank) |
| T | Amount | Positive = credit, negative = debit |
| P | Payee | Merchant or counterparty name |
| M | Memo | Free-text note or bank reference |
| L | Category | Expense / income category (colon-separated) |
| C | Cleared | * = cleared, X = reconciled, blank = uncleared |
| N | Number | Cheque number, ATM or reference |
| S / $ / E | Split fields | Category, amount and memo per split line |
| ^ | End of record | Marks the end of each transaction |
QIF File Sample
!Type:Bank ← Account type declaration
D01/15/2025 ← Date
T-450.00 ← Amount (debit = negative)
CX ← Cleared (X = reconciled)
N1042 ← Cheque number
PElectricity Board ← Payee name
MJanuary bill ← Memo
LUtilities:Electricity ← Category:Sub-category
^ ← End of record
D01/20/2025
T2500.00 ← Credit (positive)
C* ← Cleared (* = cleared)
PSalary January 2025
LIncome:Salary
^
QIF Account Types
All seven account type declarations are detected automatically. No manual configuration required.
Output Formats
Pick the output that fits your app. Every format preserves transaction dates, amounts, payees, memos and categories without data loss.
Key Features
Built for individuals, bookkeepers and small business owners who need reliable, accurate QIF data extraction.
Split Transaction Support
A single QIF transaction can be split across multiple categories using the S, $ and E field codes. Most converters flatten or lose this data. Univik QIF Converter reads every split line and exports each to its own row in Excel and CSV, with the parent transaction amount and date preserved on each row.
Full Category Hierarchy
Quicken categories use colon notation for sub-categories: Utilities:Electricity or Food:Groceries:Organic. The converter maps parent and child categories to separate columns so you can filter, group and pivot by any level of your expense hierarchy in Excel.
100% Offline and Private
Your QIF file contains real account numbers, transaction amounts and payee names. Univik QIF Converter processes everything locally on your Windows machine. No internet connection required, no files uploaded, no cloud parsing. Your financial data stays on your device from start to finish.
Flexible Date Format Detection
QIF date formats vary by bank and region: MM/DD/YY, DD/MM/YYYY, MM-DD-YYYY and others. The converter auto-detects the format from the file and lets you confirm or override before export. European decimal comma files are also handled correctly without manual pre-processing.
Legacy QIF File Recovery
Microsoft Money was discontinued in 2009, leaving millions of users with QIF archives they can no longer open in their original software. The converter reads QIF files from all Microsoft Money versions, handling Windows-1252 encoding, legacy date formats and Money-specific field quirks automatically.
Investment Account Files
QIF !Type:Invst files store portfolio transactions including buy, sell, dividend, reinvestment and interest records. The converter reads the action code, security name, quantity, price and commission and maps them to clean Excel columns, ready for portfolio performance analysis or tax calculation.
How It Works
Open your file, choose your format, export. No spreadsheet formulas, no manual copying, no data loss.
Open Your QIF File
Drag and drop your .qif file into the converter or browse for it. The software instantly reads the account type declaration, parses every field code and displays a live preview of your transactions before you export anything.
Set Your Preferences
Confirm the date format, decimal separator and output format. Apply optional filters by date range, category, cleared status or amount to export only the transactions you need. Split transactions show individually in the preview.
Export and Import
Click "Convert" and your output file is ready in seconds. Import the CSV directly into Xero, Sage or Wave. Upload the QBO file to QuickBooks Online. Open the Excel file for budget analysis. All category data and memos carry through cleanly.
Category Handling
QIF categories are the most valuable part of the file. The converter preserves every level of the hierarchy so your reports stay meaningful.
Quicken Category Hierarchy
Each colon in the L field creates a new level. The converter exports Parent and Sub-category to separate Excel columns for flexible grouping and filtering.
How Splits Export to Excel
| Date | Payee | Category | Amount |
|---|---|---|---|
| Single split transaction expanded to 3 rows: | |||
| 15 Jan | Superstore | Food:Groceries | -38.50 |
| 15 Jan | Superstore | Household:Cleaning | -12.20 |
| 15 Jan | Superstore | Food:Toiletries | -9.30 |
| Total | -60.00 | ||
Each split row carries the parent transaction's date and payee so every row is independently meaningful in pivot tables.
Compatible Apps
Whether you are migrating from Quicken, rescuing Microsoft Money files or switching budget apps, your output lands cleanly in the destination.
QuickBooks
Via QBO (Online) or OFX (Desktop). Direct bank feed upload with automatic transaction matching.
Xero
CSV statement import. Maps date, payee, amount and reference columns to Xero bank feed format.
GnuCash
CSV import with full account and split category mapping. Preserves GnuCash double-entry structure.
Sage Accounting
OFX and CSV import for Sage 50, Sage 200 and Sage Business Cloud bank reconciliation.
YNAB
CSV import in YNAB's native format. Date, payee, memo and amount columns map directly.
Wave Accounting
Free accounting app. CSV import maps seamlessly. Ideal for freelancers and small business owners.
Microsoft Money
Reads Money QIF exports in full. Rescue legacy archives from discontinued Money versions (2007, 2008, 2009).
Microsoft Excel
XLSX output with pivot-ready columns. Category hierarchy in separate columns for multi-level analysis.
Use Cases
From rescuing decades-old finance archives to preparing tax records, QIF conversion solves real, recurring problems.
Microsoft Money Migration
Microsoft discontinued Money in 2009. Millions of users still have QIF files from that era that no current app can open natively. The converter rescues this data in full: dates, payees, categories and memos. It moves that data moves it into modern software like Quicken, GnuCash or Excel.
Tax Preparation
Export your QIF transactions to a categorised Excel spreadsheet before sending to your accountant. The category column shows exactly which expenses are deductible and the split transaction view shows the breakdown of mixed-purpose purchases at a receipt level.
Switching Budget Apps
Moving from Quicken to YNAB, Moneydance or GnuCash means moving years of transaction history. The converter exports to CSV or OFX so your new app gets the full picture: every transaction, every category, every memo, without starting from scratch.
Small Business Bookkeeping
Freelancers and small business owners who use Quicken for expense tracking can export QIF files from their bank and convert them to CSV for import into Xero, Wave or Sage. Categories map to account codes automatically, saving hours of manual entry each month.
Investment Portfolio Analysis
QIF !Type:Invst files store every buy, sell, dividend and reinvestment record from your brokerage. The converter maps security names, quantities, prices and commissions to Excel columns so you can calculate cost basis, returns and capital gains without a financial adviser's software.
Why Univik
Most QIF converters fail when they encounter split transactions, investment records or regional date formats. Univik is built to handle all of them.
FAQs
Answers to the questions we hear most from Quicken users, bookkeepers and personal finance migrators.
Free trial, no registration. Your financial data stays on your machine from start to finish.
Windows 7, 8, 10, 11 | 100% offline | 30-day money-back guarantee
Written by Univik Research Team
The Univik Research Team has been building data conversion software since 2013. Our engineers specialize in personal and business finance file formats including QIF, OFX, QBO, MT940 and CSV. This page is reviewed quarterly against the latest Quicken format documentation and compatibility reports from GnuCash and YNAB. Read more on the Univik blog.