Free bank reconciliation tool · No signup

Find the transactions
that don’t line up.

Compare your bank statement and books. See suggested pairs, investigate what’s left, and download a report you can actually review.

Files stay in this browser. No upload, account connection or email required.

Use your files

This tool needs JavaScript to process files locally. No files can be selected while JavaScript is off. The preparation and method guide below remains available.

01 / Set up the comparison

Two exports. One account. Same currency.

Use transactions for the same account and period. CSV / TSV only, up to 5 MB and 10,000 records per file. From Excel, save as CSV UTF-8. Remove title, opening-balance and subtotal rows; keep one header row. Desktop is easier for large files.

Bank statement

The transaction export from your bank.

Choose a bank CSV or TSV

No file loaded

Or paste rows from a spreadsheet

Include the header and transaction rows

Books / cash ledger

The corresponding cash-account export from your accounting system.

Choose a books CSV or TSV

No file loaded

Or paste rows from a spreadsheet

Include the header and transaction rows

Currency for both files Date window, ± calendar days

Start with two files, or try the fictional sample. Nothing is saved between visits.

02 / Review the differences

Your matching review

Pairs to review

Unmatched bank records

Unmatched books records

Net movement difference

This is a transaction-matching review, not a completed bank reconciliation. Equal totals do not prove completeness or correctness. Check opening/closing balances, the period, outstanding items and each pair before sign-off.

Status	Bank record	Books record	Why / review note	Action

Pair two unmatched records after reviewing the source

One-to-one only, with equal signed amounts. This can resolve repeated amounts or reference differences you have verified. It does not handle split settlements or write journal entries.

Bank recordBooks record

Why do these records belong together?

The download includes every record, reasons, manual notes and control totals—not just the visible page. It is a CSV snapshot; import reference columns as text in Excel to retain leading zeroes. Download before clearing or leaving.

Doing this every close?

Bring the workflow—not sensitive files—to a conversation about ongoing reconciliation and exception review.

Discuss reconciliation

What the tool does—and doesn’t do

Conservative matching. Visible reasons.

1. Verify the inputs

Review normalized dates and amounts. Choose date order and decimal style explicitly. Invalid records block the run; nothing is silently skipped. Use one account, one currency and a consistent period.

2. Suggest clear pairs

First: equal reference and signed amount within your date window. Next: a unique equal-amount candidate within that window. A pair must be unique from both sides. Conflicting references, zero amounts and ambiguous candidates stay unmatched.

3. Review and export

Unpair suggestions you disagree with, or manually pair equal amounts with a note. Export the full review. Missing records may be timing differences, fees, errors or incomplete exports—not automatically lost money.

Keep these boundaries in mind

No PDF or XLSX reading, bank connection, foreign-exchange conversion, fuzzy matching, split/batch settlement matching, account-balance certification or accounting-system changes. References are compared after trimming and ignoring letter case; punctuation and leading zeroes are retained. Amounts must match to the cent. No confidence percentages or automatic approvals.

The files, mappings, notes and results stay in this tab’s memory. They are not sent to analytics or stored by this tool. Ordinary site analytics measure page visits and successful non-sample use/downloads, without financial data or filenames.