Free Bank-to-Ledger Reconciliation Matcher

This tool pairs a bank CSV against a ledger CSV so you can see, at a glance, which transactions do not line up. It matches on amount (and, optionally, on date within a tolerance you set) — it does not match on description. Everything runs in your browser; the files are never uploaded.

It is a helper, not a full reconciliation. It will not compute reconciliation balances, post adjustments, or change either file. It simply pairs rows and lists what is left over for you to review.

How it works

1. Upload your bank CSV. Export transactions from your bank, or use the free bank statement converter to turn a PDF statement into a clean CSV first.
2. Upload your ledger CSV. Export the matching period from your accounting software or spreadsheet.
3. Pick the columns. For each file, choose the amount column (the tool pre-selects a likely one) and, optionally, a date column.
4. Set a date tolerance. If both files have a date column selected, enter how many days apart a pair may be (default 0 — same day). Leave it at 0 to require an exact date match.
5. Review the results. You get counts for matched pairs, unmatched bank rows, and unmatched ledger rows, plus a table of each unmatched side showing its date, amount, and description (when present).

How matching works

Each amount is normalised to exact minor units (cents/pence) so equality is precise and is not thrown off by currency symbols or formatting. For each bank row, in its original order, the tool takes the first not-yet-used ledger row with the same amount — and, when date columns are selected, a date within your tolerance — and pairs them. Every row is used at most once, so duplicate amounts are paired one-to-one rather than all collapsing together.

Why it helps

Most reconciliation differences come from a handful of timing items and a few entries missed on one side. Removing the rows that already agree leaves a short unmatched list — outstanding items, fees, or duplicates — that is far quicker to work through. Use Download unmatched (CSV) to export both unmatched sides (in their original order) for your records or to hand off for review.

If you are new to the process, read how to do a bank reconciliation for a step-by-step walkthrough, see what is bank reconciliation for the basics, and use the bank reconciliation template to lay out your figures.