Bank reconciliation
Tell what is unexplained from what is merely unmatched
Import a statement and match it against what you already hold.
The problem it solves
Two sets of figures
The books say one thing and the bank says another, and reconciling them takes a spreadsheet and an afternoon every month.
A guess treated as a match
A narration that looks like a client's name is not proof. Matching on keywords alone books money to the wrong invoice.
Payments entered twice
A payment typed in by hand and the same payment arriving on the statement become two records unless something links them.
What it does
Import a statement
Statement rows matched to invoices and expenses
Matching that proposes
Narration matching that proposes rather than assumes
Unexplained, not merely unmatched
What is genuinely unexplained, separated from what is merely unmatched
Who it is for
Companies and LLPs
Several bank accounts, including foreign-currency ones converted at the day's rate, and every import a batch that can be undone.
Agencies, studios and firms
A client's single transfer spread across their oldest open invoices, with the TDS and retention they withheld recorded on each.
Freelancers and consultants
UPI, NEFT and card payments matched to invoices and costs, with the method and UTR taken from the statement itself.
Proprietors and small businesses
The statement the bank already provides, uploaded as a file, with no banking password shared with anyone.
How it works
From a statement file to a reconciled month
Statements arrive as CSV or Excel — the file your bank already gives you. Nothing here connects to a bank account, and nothing needs your banking credentials.
- 1ImportCSV or Excel
- 2ProposedMatched on amount, date, narration
- 3ReviewedYou confirm or reassign
- 4ReconciledWhat is left is the real question
An example, not live data.
Matching that proposes rather than assumes
A confident match on amount and reference reconciles itself. A narration that merely looks familiar is offered as a suggestion, because a keyword is not evidence and a wrong match is worse than none.
An example, not live data.
What is left is the question worth asking
Unexplained is a smaller and more useful number than unmatched: it is money that moved with nothing in the books to account for it.
| Date | Narration | Amount | Matched to | Confidence |
|---|---|---|---|---|
| 12/08/2026 | NEFT/ACME TEXTILES/IN2026 | +₹74,340 | IN-2026-27-042 | High |
| 14/08/2026 | UPI/STUDIO RENT AUG | −₹35,000 | Studio rent, August | Partial |
| 18/08/2026 | POS/ONLINE PURCHASE | −₹4,500 | Nothing yet | Unexplained |
A high-confidence match reconciles itself; a keyword hit only proposes.
An example, not live data.
Everything it covers
Importing
Matching
Posting
Review
What it does not do
Questions about bank reconciliation
Does it connect to my bank?
No, and it does not ask for banking credentials. Statements arrive as the CSV or Excel file your bank already gives you.
How does matching work?
A confident match on amount and reference reconciles itself. A narration that merely looks familiar is offered as a suggestion, because a keyword is not proof.
What is the difference between unmatched and unexplained?
Unexplained is the smaller and more useful number: money that nothing in your records accounts for, rather than everything a matcher has not got to yet.
Which account is being reconciled?
The one set as active in Settings. The ledger obeys that choice rather than asking on every screen.
What does it match a statement row against?
The invoices and expenses you already hold. Nothing is invented to make a row balance.
Start free. No card required.
1 project, 5 clients and 3 invoices a month.