Stop wrestling with Amazon's settlement file. Here's a 30-second fix.

Every two weeks, Amazon sends you an email that says "Your settlement is ready." You log in, click "Generate Report," wait five minutes, and download a .txt file that looks like this:

settlement-id    settlement-start-date    transaction-type    amount-type    amount-description    amount    sku    ...
9999999999       2026-04-01              Order               ItemPrice      Principal             49.99     WIDGET-RED-01
9999999999       2026-04-01              Order               ItemFees       Commission            -7.50     WIDGET-RED-01
9999999999       2026-04-01              ServiceFee                         FBAStorageFee         -12.40
9999999999       2026-04-01              Refund              ItemPrice      Principal             -24.99    WIDGET-BLUE-02
...

Twenty-four columns. Sometimes thousands of rows. You can't read it. Your bookkeeper can't read it. And Amazon won't tell you what your real net payout was — that single number you actually want.

So you spend an hour every two weeks building pivot tables. Or you pay someone to do it. Or — let's be honest — you don't, and tax season turns into a disaster.

What SettlementToExcel does

You upload that messy .txt. You get back a 3-tab Excel workbook with the answers:

Tab 1: Summary

A clean P&L for the settlement period. The exact numbers your accountant wants:

That bottom split — Released vs. Deferred — is the one that catches sellers off guard. Amazon's 2026 "Accrual" change means part of your settlement might be held back for later release. The Released number is what actually shows up in your bank account this period.

Tab 2: Fee Breakdown

Every fee bucket Amazon charged you, grouped and totaled:

This is the tab that costs Amazon sellers tens of thousands of dollars a year because they don't read it. Here's a real one we saw: a seller charged for a Subscription fee while their account was suspended. Caught it in 30 seconds because the row was right there.

Tab 3: SKU Analysis

Per-SKU revenue, refunds, fees, and net. The data you need to know which products actually make money:

Every Amazon seller has a "winner" SKU and a "secret loser" SKU — the one they think makes money but doesn't because of FBA fees + storage + commission. This tab tells you which is which.

How it works under the hood

1. You drop the .txt from Seller Central onto our upload page.
2. The file goes to our server over SSL and is held in volatile memory only.
3. We parse it with pandas (the same tool Wall Street quants use for spreadsheet-style data work).
4. We generate the three tabs as a real .xlsx file — opens in Excel, Google Sheets, or Numbers.
5. The moment your download starts, the file is discarded from memory. We never write it to disk. We never store anything.

Total round-trip: usually under one second.

Why we built this

The big tools — A2X, SellerBoard, Helium 10 — all want you to log in via Amazon's API, link your bank, set up rules, and pay $19–$249/month before you see your first net-payout number.

That's overkill for sellers who just want the answer to one question: what hit my bank account this period and why?

SettlementToExcel is the no-account, no-API, drop-the-file-and-go version. We're free during beta. After that, $7 per report, $19/month for unlimited, $99/month for bookkeepers running multiple seller accounts.

Try it

Grab a recent settlement from Seller Central → Reports → Payments → Date Range Reports → Flat File V2. Drop it here. You'll have your dashboard before you finish reading this paragraph.

Got a weird Amazon file we don't handle right? Email hello@settlementtoexcel.com and we'll fix the parser within an hour. That's a real promise — every reported edge case has been fixed within a day so far.