Free tool · Reconciliation Calculator
Bank statement balance & discrepancy checker
Find out exactly why your bank statement doesn’t balance. Enter your totals or paste transactions to instantly check for reversed signs, transposed digits (Rule of 9), and missing lines. 100% free and runs in your browser.
From top of statement
Printed closing balance
Total money in
Total money out
Discrepancy Detective
Automated diagnostic tests on your difference of $450.00:
Check for an inverted transaction sign
Because your discrepancy is $450.00, look for any transaction of exactly $225.00 (half the difference). If an expense was entered as income, or vice versa, it creates a discrepancy of exactly twice its value.
Possible transposed digits (Rule of 9)
The difference of $450.00 is evenly divisible by 9. This classic accounting pattern strongly suggests two digits were flipped when typing an amount (for example, typing $83 instead of $38, or $950 instead of $590).
Your calculated balance is over by $450.00
Your calculated ending balance is higher than the statement. Look for missing withdrawals, extra deposits, or uncleared checks that were counted too early.
Inverted sign test
Entering a withdrawal as a deposit (or vice versa) produces a discrepancy equal to twice the transaction amount. If your discrepancy is $450, the checker looks for a $225 transaction that had its sign flipped.
The Rule of 9
When two digits are accidentally transposed (e.g. entering 54 instead of 45), the resulting difference is always evenly divisible by 9. The checker flags transposition errors automatically.
Exact match test
If a single check, fee, or deposit was counted twice or omitted entirely, the discrepancy equals that exact amount. The tool searches your pasted items to pinpoint the culprit.
Want statements converted and balanced automatically?
statement2sheets turns PDF bank statements into Excel and automatically reconciles opening, deposits, withdrawals, and closing balances for you.
Frequently asked questions
Why does an inverted transaction sign double the discrepancy?
If you record a $100 expense as a $100 deposit, your calculated balance is off by $200. You failed to subtract the $100 you spent, and you added an extra $100 you never received. That is why whenever you have a discrepancy, dividing the difference by 2 is the first test any accountant runs.
What is the "Rule of 9" for transpositions?
Whenever two adjacent digits are accidentally swapped (for example, entering $45 as $54, or $189 as $198), the mathematical difference is always evenly divisible by 9. If your discrepancy divided by 9 gives a whole number, check your manual entries for transposed digits.
Can I paste a column of numbers directly from Excel?
Yes. Switch to "Paste Amounts" and copy-paste your entire column of amounts from Excel, Google Sheets, or a CSV. The checker automatically parses dollar amounts, sums deposits and withdrawals, and compares the result to your printed statement closing balance.
Is my financial data uploaded or stored on your servers?
No. The calculator runs 100% locally in your browser. No numbers, statements, or transactions are transmitted across the network or saved on our servers.
What if I need to reconcile multiple months of PDF statements?
Use our statement converter on the home page. It converts entire multi-page PDF statements into Excel spreadsheets and verifies every monthly opening and closing balance automatically.