---
title: "Bank Reconciliation Not Matching? Find the Difference | MCC"
description: "Enter your statement and book balances to see the difference and where to look: swapped digits, wrong direction, duplicates. Free and private."
url: "https://mcc-solutionsnj.com/bookkeeping/bank-reconciliation-difference-finder"
---

Free tool

# Bank reconciliation not matching? Find the difference

Enter your statement balance and your books for the same date. See how far off you are, and what usually causes a gap that size. Paste your transaction amounts to check for matches.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software)

Statement ending balance ($)

Balance in your books, same date ($)

Deposits in transit ($) (optional)

Outstanding checks and payments ($) (optional)

Paste amounts to search (optional, one per line, payments negative)

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

How it works

## How it works

The tool adds deposits in transit and subtracts outstanding checks from your statement balance, then compares the result to your books. If they match, you are reconciled. If not, the gap tells you where to look: a swapped-digit slip is always a multiple of 9, an item posted in the wrong direction is twice its amount, and small gaps are often a fee or interest.

If you paste a list of amounts (one per line, payments as negative numbers or in brackets), it also searches them for a single item, a swapped amount, a duplicate, or a pair that explains the difference.

FAQ

## About this tool

**What does a bank reconciliation difference mean?**

After you add deposits in transit and subtract outstanding checks, your bank balance should equal your books for the same date. Any gap is an item that is in one place and not the other, an amount keyed wrong, or an item posted in the wrong direction.

**Why does a difference divisible by 9 point to swapped digits?**

Swapping two adjacent digits changes a number by a multiple of 9, so a transposed amount always produces a difference divisible by 9. The reverse is not always true, so it is a clue, not proof.

**What if I paste a list of amounts?**

The tool looks for a single item equal to the difference, one equal to half of it (posted in the wrong direction), a repeated item, an amount whose digits swapped would explain it, and pairs that add up to it. Use negative numbers or brackets for payments.

**What if nothing matches?**

Then it is probably more than one thing. Work one account and one month at a time, compare the statement to the books line by line, and check that no earlier reconciled month was changed.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

Closing the whole month? The [Month-End Close Workbook](/toolkits/month-end-close-workbook) checks every reconciliation, and our guide on [how to reconcile a bank account](/bookkeeping/guides/how-to-reconcile-a-bank-account) walks through the steps. More free tools: [Self-employed tax calculator](/bookkeeping/self-employed-tax-calculator), [1099 contractor payment tracker](/bookkeeping/1099-contractor-payment-tracker), [Are my books ready for taxes?](/bookkeeping/is-my-quickbooks-ready-for-taxes), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Tallyfinch

### Books you keep on your own computer

Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.

[See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software)

## Reconciliations that never tie?

[Free books check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)