Bank statement balance checker
Converted a statement, or exported a CSV, and not sure every transaction made it? Paste the rows and the statement's opening and closing balance. The checker finds where the running balance breaks. Free, nothing uploaded.
Check the transactions
One row per transaction: date, description, then either a signed amount or separate money out and money in columns, then the running balance if the statement prints one. Keep the header row if you have one; it helps the checker read the columns.
Why check before you import
A converted statement can look perfect and still be wrong. A row lost at a page break, a deposit read as a withdrawal, or the same line picked up twice all leave you with a file that imports cleanly into QuickBooks, Xero or a spreadsheet. You then find the gap weeks later, when the bank reconciliation won't balance. Bank-exported CSVs can have the same problem when the date range doesn't quite match the statement.
What the checker does
- Running balance, row by row. If your rows include the balance the bank printed, each one should equal the previous balance plus the transaction. The first row where it doesn't is where to look. A gap the size of a missing transaction shows up right there.
- Opening + transactions = closing. With the statement's opening and closing balances, the checker confirms the rows add up to the closing balance and tells you which way the difference goes.
- Sign errors. If a row ties out once its sign is reversed, it says so.
- Duplicates and swapped digits. It flags back-to-back rows with the same date, description and amount, and differences that divide evenly by 9 (a typical typo).
- Statement layout. It works out whether the statement lists oldest or newest first, and whether it's a bank account or a credit card where charges raise the balance.
Everything is exact to the cent. There's no “close enough”.
Starting from a PDF?
TidyLedger converts PDF bank and credit card statements to Excel, CSV, QuickBooks (QBO) or OFX in your browser, and runs this same running-balance check on every row before you download. Rows that don't reconcile are highlighted. It's free for 10 pages a day with CSV and Excel. Pro (from $6 for a 24-hour pass, $12/month or $79/year) adds unlimited pages, batch conversion and QBO/OFX export. See pricing.
Not accounting, tax or legal advice. Always compare the result with the original statement.
FAQ
Is my bank data uploaded?
No. The checker runs in this browser tab. The transactions you paste are never sent to us or anyone else, and nothing is saved. Reloading the page clears it.
My statement has no running balance. Can I still check it?
Yes. Enter the opening and closing balances from the statement and the checker confirms the rows add up. Without a balance column it can't point to the exact row, but it can tell you how much is missing and which way.
Which number formats work?
1,234.56, $1,234.56, -1,234.56, (1,234.56) and 1,234.56- are all read. Use a dot for decimals. Paste from Excel or Google Sheets, or use CSV with quotes around amounts that contain commas.
It says a transaction may be missing. What now?
Open the statement at that date and look for a transaction between the row before and the flagged row, often at a page break or under a subtotal. Add it and check again.
Does it work for credit card statements?
Yes. It detects when charges raise the balance, as on a credit card, and checks the balances that way.