qif-to-qfx

name	qif-to-qfx
description	Convert QIF files to QFX format for Quicken import. Handles PayPal balancing, split stripping, deduplication, and multi-file combine.

QIF → QFX Converter for Quicken

When to use

• Convert QIF exports (PayPal, banks, any financial service) to QFX for Quicken Mac import
• Clean up splits, balance issues, or missing headers in QIF files

Entry Point

Guide the user through conversion interactively.

1. Find files. Run bash {skill_dir}/find-qif-files.sh (scans ~/Downloads for *.qif, *.QIF, *.zip). Output: ext|size|date|path per file, or NO_FILES. Also check user-provided paths.

2. Present files. AskUserQuestion with multiSelect, one option per file. If NO_FILES, ask for a path.

3. Ask source. AskUserQuestion: "PayPal" (auto-balance on), "Bank" (no balance, ask bank name for --org), or "Other".

4. Build command. Show full command. Multi-file: -o ~/Downloads/{source}-combined.qfx. Single: auto-names. Confirm before running.

5. Run. python3 {skill_dir}/qif_to_qfx.py {args}

6. Show results. Display output, then: "To import: File → Import → Web Connect (.QFX) → Link to existing account → select account → Accept All"

Rules

• Always show command before running
• Combine multiple files from same source with -o
• If user provided a path as argument, skip file discovery

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CLI Reference

python3 qif_to_qfx.py <input.qif> [output.qfx] [--no-balance] [--org NAME] [--acctid ID]
python3 qif_to_qfx.py <a.qif> <b.qif> -o <output.qfx> [--no-balance] [--org NAME]
python3 qif_to_qfx.py <exports.zip> -o <output.qfx> [--no-balance] [--org NAME]

• -o FILE — Output path. Required for multi-file, optional for single.
• --no-balance — Skip auto-balancing.
• --org NAME — Institution name in QFX header (default: "Import").
• --acctid ID — Account identifier (default: same as --org).

Multi-file deduplicates on date+amount+payee. Zip files auto-extracted.

Source-Specific Notes

PayPal: Double-entry structure — auto-balance fixes unmatched subscriptions. Max 12 months per download; use multi-file mode for longer periods.

Banks: Single-entry, use --no-balance. Chase QIF uses blank-line separators and !Type:CCard — handled automatically.

Investment (!Type:Invst): Not supported — detected and rejected with error.

Technical Notes

• Python 3.6+, no dependencies
• INTU.BID 10898 (Chase) used as Web Connect partner — cosmetic only
• FITIDs are deterministic (MD5 of date+amount+payee+index) — re-import won't duplicate
• Strips !Type:Cat, !Type:Class, !Type:Memorized metadata sections
• QFX doesn't support categories — Quicken uses its own renaming rules

Troubleshooting

• "Unable to verify financial institution" — Quicken needs internet for INTU.BID validation
• Balance not zero — check for overlapping date ranges in multi-file input
• Wrong account balance — user must select "Link to existing account", not "Add"