Schwab2ofx

This converts the transaction history you can download while logged into your Schwab account from JSON to OFX.

The core functionality is written as a library in Lua. This also comes with an accompanying command line tool (that uses the library) to convert files, as well as a simple web browser client-only front-end tool (leveraging Fengari to use the Lua-based library).

Usage

Command Line Tool

Install Lua if you don't already have it. Tested with Lua 5.3 & 5.4, but I think any 5.x should work.

lua convert_schwab_cli.lua input.json output.ofx

Web Browser Client-Only Front-End UI

A live demo is hosted on a GitHub static page here.
Click the Choose File button and select your .json file you downloaded from Schwab. The output file will be written to your browser's download directory.

Background Story

I wrote this because I was happily using DirectConnect/OFX at TD Ameritrade with SEE Finance, and then Schwab took over and terminated support for both DirectConnect and OFX in 2024. I learned Schwab killed these features for their own customers about 4 years ago.

I was looking for some workaround. You can download Schwab transactions in CSV, JSON, or XML if you directly log into your account. I looked for other tools that could convert this to OFX, but the only one that came close was csv2ofx, but it doesn't support brokerage transactions, only banking. I didn't know OFX, but I decided I would try to learn it and convert from JSON to OFX.

I learned basic OFX and wrote the schwab2ofx library in 2 days, and spent another half-day learning Fengari and how to build a UI with it. So there is a lot of room for this program to be better.

I tested this exclusively with SEE Finance, but it will probably work with other personal financial software that support OFX, such as GnuCash and MoneyDance.

I tested with a lot of transaction types, including more exotic things such as options trades, short sales, and foreign taxes. But since I only have access to my own data sets and Schwab does not document their schema, there may be transaction types that are unimplemented.

Key Files: