Bank Reconciliation Calculator

Your details

The closing balance in your company ledger or personal check register before any reconciling adjustments.
The ending balance shown on your bank statement for the period being reconciled.
Fees debited by the bank (monthly maintenance, wire fees, etc.) not yet recorded in your cashbook. Deducted from cashbook balance.
Cheques deposited by you that the bank returned unpaid (non-sufficient funds). Deducted from cashbook balance.
Standing orders or direct debits the bank has processed but you have not yet recorded. Deducted from cashbook balance.
Interest credited by the bank that you have not yet recorded. Added to cashbook balance.
Any other net adjustment to the cashbook (positive = add, negative = deduct). Use for errors or miscellaneous items.
Deposits you have recorded in your cashbook that the bank has not yet processed. Added to bank statement balance.
Cheques you have issued and recorded but that have not yet cleared the bank. Deducted from bank statement balance.
Any other net adjustment to the bank statement balance (positive = add, negative = deduct). Use for bank errors or pending items.
Currency
Adjusted cashbook balanceReconciled
$10,314.00

Cashbook balance after all reconciling adjustments

Adjusted bank balance$10,314.00
Unreconciled difference$0.00
Total cashbook deductions$7.00
Total cashbook additions$0.00
Total bank additions$885.00
Total bank deductions$1,076.00
Adjusted cashbook$10,314.00
Adjusted bank$10,314.00
Unreconciled difference$0.00

Your reconciliation is complete - difference is zero.

  • Both adjusted balances agree: your cashbook and bank statement are fully reconciled.
  • Review outstanding cheques periodically; any that remain unpresented for months may need to be voided and reissued.
  • File the completed reconciliation statement with your period-end records for audit readiness.

Next stepPost any journal entries for bank charges, NSF cheques, or interest earned that you have not yet recorded in your accounting system.

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