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Checking Account Reconciliation Calculator to Help You Balance Your Checkbook

Calculator Preferences
Checking Account Reconciliation Calculator

This calculator will help you to reconcile a bank statement with your checkbook register. Includes an option to print out a completed or blank free bank reconciliation form. The Learn tab includes:

  • What is account reconciliation?
  • Why reconcile bank account?
  • How to balance check book.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Ending balances
Chk reg bal:Checkbook balance:Checkbook balance:Checking account balance from checkbook:

Checking account balance from checkbook:

Enter the checking account balance after recording all items from the bank statement that were not previously recorded. Enter the amount without the dollar sign or any commas.

Bank stmt bal:Statement balance:Ending bank statement balance:Ending bank statement balance:

Ending balance on bank statement:

Enter the ending balance as listed on your bank statement, but without the dollar sign or any commas.

Deposits outstanding

Deposits outstanding:

Depending on the width of the calculator, a different entry form will be displayed. Narrow widths will display a mobile optimized form, whereas wider widths will display a desktop optimized form.

For each deposit that appears in your checkbook but is not listed on your bank statement, enter a reference (numbers only) and an amount (no dollar sign or commas), then click the Add Deposit button (may also appear as "+" or "Add" depending on the width of your device).

This will add the deposit to the drop-down deposit list. Note that you can edit or remove entered deposits by selecting them from the list.

For each deposit that appears in your checkbook but is not listed on your bank statement, click the "Add Deposit Row" button. Then enter a reference (numbers only) and an amount (no dollar sign or commas).
RemoveReference #Deposit Amount
#Ref #Reference #Reference #
$Dep $Deposit $Deposit $
Total dep:Total deposits:Total outstanding deposits:Total outstanding deposits:

Total outstanding deposits:

This is the calculated total of all deposits not listed on your bank statement. The checking account reconciliation calculator will add this amount to the balance from your bank statement.

Withdrawals outstanding

Withdrawals outstanding:

Depending on the width of the calculator, a different entry form will be displayed. Narrow widths will display a mobile optimized form, whereas wider widths will display a desktop optimized form.

For each withdrawal that appears in your checkbook but is not listed on your bank statement, enter a reference (numbers only) and an amount (no dollar sign or commas), then click the Add Check button (may also appear as "+" or "Add" depending on the width of your device.

This will add the withdrawal to the drop down check list. Note that you can edit or remove entered checks by selecting them from the check drop-down list.

For each withdrawal that appears in your checkbook but is not listed on your bank statement, click the "Add Deposit Row" button. Then enter a reference (numbers only) and an amount (no dollar sign or commas).
RemoveReference #Withdrawal Amount
#Ref #Reference #Reference #
$Chk $Check $Check $
Total draws:Total withdrawals:Total outstanding withdrawals:Total outstanding withdrawals:

Total outstanding withdrawals:

This is the calculated total of all withdrawals not listed on your bank statement. The checking account reconciliation calculator will subtract this amount from the balance listed on your bank statement.

Reconcile
Adj stmt bal:Adjusted stmt bal:Adjusted ending statement balance:Adjusted ending statement balance:

Adjusted ending statement balance:

This is your adjusted bank statement balance, which is the balance listed on your statement, plus the total of the outstanding deposits, less the total of the outstanding withdrawals.

Out of bal:Out of balance:Amount out of balance:Amount out of balance:

Amount out of balance:

This your checkbook balance minus the adjusted statement balance. If this amount is zero, your checkbook reconciles with your bank statement. If this amount is negative, it means your checkbook balance is less than what the bank shows. If the amount is positive, it means your checkbook balance is greater than what the bank shows. In either of the latter two cases, the next step would be to double check the adding and subtracting in your checkbook register -- back to the last date you created a bank reconciliation statement.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Report type:Report type:Report type:Report type:

Report type:

To create a printer friendly page of your checking account reconciliation, select Completed from the drop-down menu and click the Printable Bank Reconciliation Statement button. To create a printable, free bank reconciliation form, select Blank from the drop-down menu and click the Printable Bank Reconciliation Statement button. To clear the checking account reconciliation calculator of all entries and results, click the Reset button.

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Tip

About

About the Checking Account Reconciliation Calculator

This free online calculator will help you to reconcile a bank statement (balance check book) by doing the math for you.

Or, if you prefer to reconcile a bank statement manually, the calculator on this page also includes an option for printing out a blank, free bank reconciliation form.

If you're not sure what reconciliation means, or you're not sure how to balance a check book, it may help to visit the Learn tab for explanations and instructions before using the calculator.

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Instructions

How to use the Checking Account Reconciliation Calculator

Step #1:

Enter the ending balance from your checkbook register.

Step #2:

Enter the ending balance from your bank statement.

Step #3:

Enter any and all deposits that appear in your check register but not on your bank statement.

Step #4:

Enter any and all withdrawals that appear in your check register but not on your bank statement.

Step #5:

Tap or click the "Reconcile Bank Account" button. This will display the adjusted statement balance and the amount your checkbook is out of balance with the bank statement.

Step #6:

If you would like to print out the completed bank reconciliation statement, select "Completed" from the Report type line and tap or click the "Reconcile Bank Account" button. This will open the report in a new window for printing.

Saving Entries:

If your web browser supports Local Storage, you can save your entries to your web browser so won't have to start over on your next visit. Please note that your saved entries can only be retrieved from the same device and web browser you were using when you stored them. If you would like to access your saved entries from any device I invite you to subscribe to the Ad-Free Member Version.

To save your entries to your web browser, click or tap the Data tab in the Help and Tools section (mobile: top right of the main screen), select "New Data Record" from the drop-down menu, enter a name for the data record, and then tap or click the Save button.

To load previously saved entries, click or tap the Data tab and select the saved data record from the drop-down menu. You can then save any changes to your entries by simply clicking the Save button while the data record is selected.

To clear a named set of saved entries, click or tap the Data tab, select the saved data record from the drop-down menu, and then tap or click the Clear button.

Numbers and Decimals:

Only numeric characters (0-9 and decimal points) may be entered in numeric fields. Non-numeric characters (dollar signs, percent signs, commas, etc.) may cause calculation errors. If the field includes a grid icon, tapping the icon will open a popup keypad which will include only the characters allowed in the field. If your device keypad does not include a decimal point, use this popup keypad to enter decimal numbers where applicable.

Popup Tool Tips:

Tap the info (i) icons for a further explanation of each entry field (you can click [X] or outside of the pop-up tool tips to close them). A summary of these explanations, along with any additional term explanations, can also be found under the Terms tab.

Disclaimer:

Since I can't test for every possible combination of numbers, please be sure to double-check the results of this calculator yourself before considering them to be valid. If you do discover an issue with the calculated results, please report the issue using the feedback form located below the calculator.

Scrolling & Shrinking:

In order to scroll the calculator vertically you will need to swipe just outside of the calculator's dark-blue border, or use the window's far right-hand scroll bar, whichever is applicable to your device.

If the top section of the calculator becomes to tall for your viewport, tapping in the "Enter a problem..." field should reset the top section to its original height.

Disclaimer:

The Algebra Calculator is the only calculator on the site that I did not create myself. And since I did not create it, I don't have access to the code for fixing any issues you may be experiencing. So if you are having issues with the calculator, please visit the support page at Mathway.com for assistance.

Glossary

Fields, Terms, and Definitions.

Reset button:

Clicking the "Reset" button will restore the calculator to its default settings.

Pocket Calculator

Calculate any amounts needed to enter into calculator.

 

Data Management

Save and retrieve entries and notes (requires HTML5 compliant web browser).

Calculator Data

Calculator Data:

If you are using the latest version of your web browser software, this feature will allow you to save your calculator entries to your web browser's local storage in between visits. This means the calculator entries can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save data between devices you will need to subscribe to the Ad-Free Member Version.

Save: To save a new set of calculator entries, select "New Data Record" from the dropdown list, enter a nickname for the data record, then click the "Save" button.

Load: To load a previously saved set of calculator entries, simply select the name of the data record from the dropdown list.

Save Changes: To save changes to a set of previously saved calculator entries, be sure the name of the data record is selected, and then click the "Save" button.

Clear: To clear a saved set of entries, be sure the name of the data record is selected, and then click the "Clear" button.

Backup Data
My Notes:
Subscribe to the Cloud level of the Ad-Free Member Version to save your entries and notes to a secure online database, allowing you to access your saved entries from any device or web browser.

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If you would like to use the Save features, please disable ad blocking for this website and refresh the page. Or you can choose to subscribe to the Ad-Free Member Version of the site.

Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

 

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