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.

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.
Present files. AskUserQuestion with multiSelect, one option per file. If NO_FILES, ask for a path.
Ask source. AskUserQuestion: "PayPal" (auto-balance on), "Bank" (no balance, ask bank name for --org), or "Other".
Build command. Show full command. Multi-file: -o ~/Downloads/{source}-combined.qfx. Single: auto-names. Confirm before running.
Run. python3 {skill_dir}/qif_to_qfx.py {args}
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

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"

qif-to-qfx