How do I go through bank statements for divorce financial disclosure?

Short answer

Gather 12 months of statements for every account in your name (often more in US cases), convert them to a spreadsheet, and use it to total your income and spending and to list large or unusual transactions. Submit the original statements; the spreadsheet is your working.

In England and Wales, Form E asks for the last 12 months of statements for each bank account. US states use a financial affidavit or disclosure statement, and discovery requests often reach back further. Either way you're facing a stack of statements and a deadline.

The statements themselves go to your solicitor or attorney as they are. The work is everything you have to work out *from* them: your average monthly income, what you spend and on what, and which large transfers you'll be asked to explain. That part is far quicker in a spreadsheet than flicking through PDFs.

Step by step

List every account: current, savings, credit cards, joint accounts and any you closed during the period.
Download 12 months of statements for each, or the period your solicitor or attorney gives you.
Convert them to Excel with the batch converter. Check the opening and closing balances match each statement.
Put each account on its own sheet, then add a column for your own categories: income, housing, bills, food, children, transport and so on.
Total income and each spending category per month. These feed the income and expenditure sections of Form E or the expense columns of a financial affidavit.
Filter for large or unusual transactions and note what each one was, before anyone asks.

Things that are easy to miss

Transfers between your own accounts look like spending on one statement and income on the other. Mark them so they don't count twice.
Accounts closed during the period still need disclosing.
Cash withdrawals add up. Total them per month; you may be asked what they were for.
Your spouse's statements come through their own disclosure. Reconcile joint accounts against what they provide.

Questions

Straight answers. Still stuck? Contact us.

Can I submit the spreadsheet instead of the statements?

No. Courts and the other side expect the bank's own statements. The spreadsheet is your working: it makes the totals and explanations quicker and more accurate.

Is my financial data safe if I convert it online?

StatementFlow processes the uploaded file and deletes it; your account keeps only the transaction table so you can re-export it. The privacy promise page has the details.

Is this legal advice?

No. Requirements differ by country and court. Follow what your solicitor, attorney or the court's form asks for.

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