diff --git a/apps/server/src/engine/finance.ts b/apps/server/src/engine/finance.ts
index f7704ee7c..98d67163c 100644
--- a/apps/server/src/engine/finance.ts
+++ b/apps/server/src/engine/finance.ts
@@ -20,21 +20,17 @@ export function analyzeSpending(csv: string) {
         quoted = !quoted;
         if (!quoted) {
           const next = csv[i + 1];
-          if (
-            next !== undefined &&
-            next !== "," &&
-            next !== "\n" &&
-            !(next === "\r" && (csv[i + 2] === "\n" || csv[i + 2] === undefined))
-          )
+          if (next !== undefined && next !== "," && next !== "\n" && next !== "\r")
             throw new Error("Invalid quoted CSV field");
         }
       }
-    } else if (!quoted && (c === "," || c === "\n" || c === undefined)) {
-      row.push(cell.replace(/\r$/, ""));
+    } else if (!quoted && (c === "," || c === "\r" || c === "\n" || c === undefined)) {
+      row.push(cell);
       cell = "";
       if (c !== ",") {
         if (row.some((v) => v.trim())) rows.push(row);
         row = [];
+        if (c === "\r" && csv[i + 1] === "\n") i++;
       }
     } else if (c !== undefined) cell += c;
   }
diff --git a/tests/finance.test.ts b/tests/finance.test.ts
index e26e1214e..67130a5dd 100644
--- a/tests/finance.test.ts
+++ b/tests/finance.test.ts
@@ -41,3 +41,33 @@ test("transaction imports accept a UTF-8 byte order mark before the header", ()
     assert.equal(report.spending, 10.1);
   }
 });
+
+test("transaction imports accept CR, LF and CRLF record separators", () => {
+  for (const newline of ["\r", "\n", "\r\n"]) {
+    const report = analyzeSpending(
+      [
+        '"date","description","amount","category"',
+        '2026-09-01,"Coffee, local",10.10,Food',
+        '2026-09-02,"Salary",-100.00,Income',
+        "",
+      ].join(newline),
+    );
+    assert.equal(report.count, 2);
+    assert.equal(report.spending, 10.1);
+    assert.equal(report.income, 100);
+    assert.equal(report.transactions[0].description, "Coffee, local");
+  }
+});
+
+test("CR record separators do not split quoted multiline transaction text", () => {
+  const report = analyzeSpending(
+    'date,description,amount,category\r2026-09-01,"Coffee\rshop\r\nreceipt",10,Food\r',
+  );
+  assert.equal(report.count, 1);
+  assert.equal(report.transactions[0].description, "Coffee\rshop\r\nreceipt");
+  assert.equal(report.spending, 10);
+  assert.throws(
+    () => analyzeSpending('date,description,amount,category\r2026-09-01,"Coffee"shop,10,Food'),
+    /Invalid quoted CSV field/,
+  );
+});