Standard Chartered Monthly Average Balance Calculator
Read the blog postUpload CSV File
Expected CSV Format
• Export your Standard Chartered account statement as CSV
• File should contain columns: Date, Transaction, Currency, Deposit, Withdrawal, Running Balance
• Date format: DD/MM/YYYY
• Running Balance should include "CR" suffix for credit balances
• All months in CSV will be processed (current month shown first)
• VALUE DATE support: Transactions with "VALUE DATE" in description will use the value date for calculations
How to Use
- Export your Standard Chartered account statement as a CSV file as it is with no amendments.
- Upload the CSV file using the upload button above
- The calculator will automatically parse all transactions and calculate monthly average balances for each month (current month appears first)
- Review the results showing daily balances and running monthly averages
Forward/Backfill Logic: For days without transactions, the calculator uses the previous day's balance (forward fill). For the first days of the month without transactions, it uses the next available day's balance (backfill) however this often leads to inaccurate monthly average balance.
VALUE DATE Processing: When transactions contain "VALUE DATE" in the description, the calculator recalculates running balances chronologically based on value dates instead of transaction dates. This ensures accurate monthly averages when deposits/withdrawals have different effective dates. Transactions with value dates are marked with a blue badge.