Bank Reconciliation Discrepancy? Find the Exact Cause.
Upload your bank statement and your ledger. Find exactly which transactions are causing the discrepancy — down to the exact row, not just "off by $X."
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This file has multiple tabs — want to reconcile two sheets within it instead of uploading a second file?
Column Mapping
Tell us which column is which — headers don't need to match between the two files. No date column? Leave it as "— none —" and we'll match by reference/account number instead.
Detailed Breakdown
Got a minute? What did this catch that you almost missed?
Find My Discrepancy
Know you're off by a specific amount? Enter it below to search for the likely cause.
Why Doesn't My Reconciliation Balance?
A reconciliation that doesn't balance almost always comes down to one of a handful of causes:
A missing transaction — something in the bank statement never made it into the ledger, or vice versa.
A duplicate posting — the same transaction entered twice on one side.
A timing difference — the same transaction, but recorded a day or two apart, or off by a rounding cent.
A sign convention mismatch — the same transaction recorded as a positive on one side and a negative on the other, common when a bank and an internal ledger use different debit/credit conventions.
A currency mismatch — same amount and date, but genuinely different currencies, which can look like a match at a glance and isn't.
How to Reconcile Manually
The manual process is usually: sort both lists by date, walk down each one side by side, tick off matches, and circle anything left over. For a few dozen transactions, this works. Past a couple hundred — especially with duplicates, near-matches, and sign differences mixed in — visually tracking two lists at once stops being reliable, and it's easy to tick off the wrong pair of similar-looking amounts.
How Sheet Audit Reconciles Two Files
Upload both files, tell it which column is which, and it runs a fixed set of passes against every row on both sides:
Exact matches — same date (or same account/reference if there's no date column) and same amount.
Variances — same transaction, but a few cents or a day or two apart.
Sign mismatches — same amount, opposite sign, flagged as likely the same transaction recorded differently by each system.
Currency warnings — same amount and date, but a different currency detected, kept separate from real matches.
Possible duplicate postings — repeated entries within a single file.
Possible description matches — same amount, similar (but not identical) description text — flagged for your own review, never auto-matched, since description text alone isn't reliable enough to trust blindly.
If you already know you're off by a specific dollar amount, Find My Discrepancy searches the unmatched items for the single item or small combination that explains it — including two classic bookkeeping checks: whether the amount is evenly divisible by 9 (a sign of a transposed digit) and whether it's exactly double some unmatched item (a sign of a debit recorded as a credit).
Example
Bank: Jan 5 — Coffee Shop — $100.00
Ledger: Jan 5 — Coffee Shop — -$100.00 Flagged as a Sign Mismatch — same transaction, opposite sign convention between the two systems.
Frequently Asked Questions
Does it work if my files don't have a date column?
Yes — if neither file has a usable date column (common for account-level or trial-balance reconciliations), it automatically matches by reference/account number and amount instead.
Can it match "AMAZON.COM*A1B2C3" against "Amazon - Office Supplies"?
Sometimes, as a flagged "possible match" you review yourself — never as an automatic silent match. Description matching is a genuinely imperfect signal (a generic shared word can create a false positive, and completely different wording for the same real-world merchant can be missed entirely), so it's always surfaced for your own confirmation, with amount agreement required first.
What if some rows in my file are hidden by a filter?
Rows hidden by an active Excel filter are automatically excluded from the analysis, with a clear note showing exactly how many rows were skipped on each side, so nothing is silently left out without you knowing.
Will I get the same result if I run it twice?
Yes — the same fixed logic runs every time on the same data, so results don't drift between runs.