Script to convert Betterment's saved transactions to a format understood by YNAB.

Written and tested using:

• Python 2.7.9 (auto downloading does not work with 3.4.3+) (link)

• Pandas 0.16.0 ([link] (http://pandas.pydata.org/))

• Numpy 1.9.2 (link)

• optional - Keyring 5.3 ([link] (https://pypi.python.org/pypi/keyring))

• optional - Requests 2.7.0 ([link] (http://docs.python-requests.org/en/latest/))

• optional - Twill 0.9 ([link] (http://twill.idyll.org/))

  • Note, for some reason this is not working with the most recent version of twill (1.8.0), so stick with 0.9. Also, this does not work with python3, unfortunately

Make sure the above are installed, then simply clone (or download) this repository to a local directory.

To setup automatic downloading:

2. First, you need to save your login information to your system keyring so the script will be able to log you in. This script does not save any login information on its own, but instead places it in the system's keyring, so it is as secure as your computer's local account. You will need to run the script save_login.py on each computer you wish to run the automated downloading on. If you don't do this, the script will ask for your username and password each time it is run, since it is not saved.

3. Then, configure the account_info.ini file to match the values for your account. Under the [UserInfo] section, the only values that should need changing are the user and the default days (prior to today) of transactions that you wish to download. Under the [AccountInfo] section, you need to add your account group ID and your account numbers. This information can be found by visiting the [activity page] (https://wwws.betterment.com/app/#activity) of your Betterment account, and hovering over the "Download Activity as CSV" link. In this link, you will see the values accountGroupID= and account=. The GroupID should be the same for all accounts, but each account you have will have a different number. In the example account_info.ini file, I have two accounts (Wealth building and Roth IRA), so I have listed them there. The names you give them (wb and roth) don't matter, as the script will loop through all the accounts you put in this section and try to download their activity. The supplied names will be used in the outputted .csv files.

To use the actual script:

2. Run python betterment_to_ynab.py to see all the options available.

3. To download transactions, supply the -d flag to the script. To convert transactions, use the -c flag. To automate both processes, you can combine the options and supply them as -dc.

4. Other options are available, such as a custom number of days to download (--days), the days after which to convert transactions (--daysafter), the names of files to convert (-f or --filenames), and the text output of the script (use -v to see more output).

5. Import the resulting CSV files into YNAB and confirm that transactions look correct

Note:

• Because deposits, contributions, withdrawals, etc. to Betterment accounts are usually classified as transfers within YNAB from another account, they are supposed to be ignored by this import script (or else you'll end up with duplicates). The transactions to ignore can be included (one per line) in an ignore list named convert_ignore.txt, which is provided when downloading the repository locally.

• To save your login information to the system keyring:

    python save_login.py -u <username> -p <password>
  

• To automatically download and convert transactions (after account_info.ini is configured), showing output:

    python betterment_to_ynab.py -dcv
  

• To (just) download transactions from 25 days ago until now (not showing any output):

    python betterment_to_ynab.py -d --days 25
  

• To (just) convert files named file1.csv and file2.csv, discarding any transactions before June 12, 2015:

    python betterment_to_ynab.py -c -f file1.csv file2.csv --dateafter 2015-06-12
  

I have been successfully using this script for a while, and haven't had any issues with it. Check the following if you are having issues:

• Pandas and Numpy installed

• convert_ignore.txt matches the format of the version included with the code

File an issue on github so I can try to help.

Suggestions or actual contributions are more than welcome. The easiest way is to fork this repository and add a pull request so I can review the changes easily.