Bank reconciliation, in your browser.

What it does. You give it your bank's CSV export and your ledger's export of the same account. It matches the lines that are the same movement, lists what is only in the bank and only in the books, ages the uncleared items (0–30, 31–60, 61–90 and 90+ days), and, if you type in the statement's figures, checks that the bank file adds up to the statement. Then it gives you the lot as an Excel file.

Your files never leave your computer. They are read by this page, in your browser. Nothing is uploaded and nothing is stored.

How it decides

• A match needs three things: the same amount, dates within the window (4 days unless you change it), and a name or number both lines carry: a payee or customer name, a check number, or a reference of four or more digits. On an ACH line only the sender's name counts, not the payment rail it came through.
• Bank boilerplate is not evidence. These do not count as a shared name or number: a card number written after “card”, a number the file prints beside different payees on three or more lines, the date code beside a card purchase, the city before a state code, a year, and words like “purchase” or “transfer”. A number that recurs with the same payee, like a monthly transfer to savings 7104, still counts.
• Same amount and a close date alone is not a match. Two unrelated payments of the same size in one week happen in every real book. Those lines stay unmatched, and the page tells you a same-amount line exists nearby so you can decide.
• Nothing one-to-many is ever guessed. One line against two on the other side that add up to it (where the one line names them), or two equally good candidates for one line, goes to needs a look for you to decide.
• An international wire's wording is not evidence. It matches only when both lines name the same payee or carry the same reference number.
• The proof is five comparisons: opening balance, money in, money out, closing balance and the count, as the statement states them against what the bank file adds up to. The opening balance is where the arithmetic starts; the closing is only checked when you give the opening too. On a card or loan the derived closing is withheld rather than guessed, and the page says it was not checked.

What it does not do

• It does not post, correct or plug anything. There is no “reconciliation difference” line, ever. A plug is how a real error gets buried.
• It does not read PDFs. It reads CSV files, the export most banks and bookkeeping programs offer.
• It does not categorize anything or decide what a payment was for.
• It does not read a decimal comma (60,00). Those rows are listed as unreadable, not guessed.
• It does not split three or more ways. A deposit made of three ledger entries is left unmatched, not flagged, so check what is left on each side.
• It is not an audit, and it is not accounting or tax advice. It reports what your two files say.

Questions

Do my files get uploaded?

No. The page reads them in your browser and your files are not sent anywhere. You can load the page, turn off your internet, and it still works.

Why did two lines with the same amount not match?

Because nothing on the two lines names the same payee, customer or number. Equal amount and a close date are not enough on their own. The page lists them side by side so you can decide.

What does “needs a look” mean?

One line could be more than one thing: a deposit that matches two ledger entries added together, or a line with two equally good matches. Those are never guessed.

Which columns does it need?

A date, a description and an amount, or separate money-in and money-out columns. Comma, semicolon and tab files all work, with or without a header line. It guesses which column is which, and you can change any of them before you run it.