Self-service tool · Free · No account
The statement reader: over-withheld or not?
Every foreign-dividend line holds two figures almost nobody compares: the gross and the tax withheld. Upload your statement (PDF, CSV, TXT) or paste a line as is — the tool recognises every country via the ISIN, finds the amounts, computes the rate actually applied and compares it with what the tax treaty allows for your residence, line by line when the file holds several. Verdict in ten seconds, 19 countries covered.
Drop your statement here
PDF, CSV or TXT — drag and drop or choose a file. Nothing is sent to a server: extraction runs entirely in your browser, PDFs included.
Or paste a line manually
The analysis runs entirely in your browser: nothing is sent to a server, nothing is stored.
How to use it
Which document to upload
Any document showing the gross and the tax withheld will do — in French or in English, as a PDF, CSV or TXT.
The CSV export of your transaction statement
With most brokers: the 'transactions', 'coupons' or 'dividends' section of your client area has an export option. It is the most reliable format — one line per dividend, the ISIN identifies the country on its own.
The contract note or coupon advice, as a PDF
The PDF issued at each payment, or the full annual tax report. The tool extracts the PDF's text directly in your browser and finds every dividend line, even across several pages.
A single line, typed by hand
No file at hand? Just paste the line — gross, withholding, ISIN — into the manual field further down. It is the same analysis engine, minus the file around it.
FAQ
Your questions about the statement reader
Is my uploaded file or statement data sent anywhere?
No. An uploaded file or pasted text is read entirely in your browser — PDF extraction included — never transmitted to a server, never stored: it all vanishes when you leave the page. That is also why the tool keeps working offline once the page has loaded.
Which file formats does the tool accept?
PDF, CSV and TXT, on top of manual paste. Amounts in French notation (1 234,56) or Anglo-Saxon notation (1,234.56), 'brut / retenue / net' or 'gross / withholding tax / net' labels, ISINs, currencies, percentages are all recognised. If detection gets a line wrong, the four fields of the detailed diagnosis remain hand-editable.
My PDF is a scan — will that work?
Not directly: the tool reads the PDF's text, not an image. A scanned PDF with no selectable text will yield no results — the best move then is to export a CSV from your broker instead, or type the amounts into the manual field.
Does the tool work for ETFs and funds?
It detects them, precisely to spare you false hope: in a fund or ETF, the withholding is levied at fund level and does not belong to you — there is nothing for the unit-holder to claim. The diagnosis only holds for securities held directly.
Does the verdict amount to tax analysis?
No: it is an indicative diagnosis, based on the general rates of our country database, reviewed regularly. It tells you whether a line deserves a file — the file itself is then verified line by line, rates and deadlines included, before any filing. And if there is nothing to recover, the tool says so too.
The file has several dividends — how does that work?
The tool detects every dividend line in the file and lists them in a table, one by one, with their rate and status. Click a line to see its full diagnosis below. To quantify the whole portfolio, fee deducted, the simulator is the next step.
One over-withheld line rarely comes alone
Same broker, same custody chain, same setup flaws: if this line was withheld at the full rate, the same security's other payments probably were too. The simulator quantifies the whole picture, country by country, fee deducted.
No win, no fee · Pricing 100% public · FR / EN