Free tool
Free bank reconciliation tool
Paste or upload your bank statement and your books. This matches them line by line and shows you exactly what doesn't balance. Runs entirely in your browser: your data is never uploaded.
Paste or upload your bank statement export and your books export. Nothing is uploaded anywhere: matching runs in this browser tab.
What this tool does
Bank reconciliation means proving that every transaction on your bank statement is also recorded in your books, and vice versa, so the two balances agree at period end. Done by hand, it means printing both lists and checking them off one at a time. This tool does the same job in seconds: paste in both CSVs, and the matching engine pairs up every line it can, then shows you what's left.
Every match shows its method and a confidence score, so you can see why the engine paired two lines instead of just trusting a black box. Nothing here requires an account: run it as many times as you like.
The five matching passes
The engine runs these passes in order, strictest first. Once a line is matched it's removed from the pool, so later passes only look at what's left.
1. Rules
Known items, like a recurring bank fee, get set aside first so they don't clutter the unmatched list.
2. Reference match
A line on each side with the same reference number (check number, invoice ID) and the same amount.
3. Date-window match
The same amount posted on each side within a few days of each other.
4. Unique-amount match
A distinctive amount that appears exactly once on each side, even if the dates are far apart or missing.
5. Combination match
A group of lines on one side, like two partial deposits, that add up to a single line on the other.
Frequently asked questions
Is my data uploaded anywhere?
No. The matching engine runs entirely in your browser tab using JavaScript. Your bank statement and ledger never leave your computer or touch a server.
What file formats does it accept?
Any CSV export from a bank or accounting system, including files with separate debit and credit columns instead of one signed amount column. You can also paste rows directly instead of uploading a file.
How does the matching work?
The tool runs five passes in order of strictness: rule flags, reference-number matches, date-window matches, unique-amount matches, then combinations of lines that add up to one entry on the other side. See the explanation on this page for detail.
What if a line doesn't match?
That's normal. Timing differences, bank fees not yet booked, and typos in reference numbers all show up as unmatched. Review them line by line: some need a journal entry, some just need a few more days to clear.
Does it work for credit cards or non-US date formats?
Yes. Use the day-first toggle for dd/mm/yyyy statements and the invert-amounts toggle for accounts where charges post as positive numbers, which is common on credit card exports.
Want it saved, scheduled, and audited?
The free tool doesn't save history. The app keeps every reconciliation, your match rules, and a full audit trail, and can run this on a schedule.
Want the worked example first? Read the full walk-through guide.