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Install the Account Book appFree. Opens from your home screen like any other app, and works with no internet.
Bank Reconciliation
Tick each line of your bank book as you find it on the bank's statement, and see what explains the difference between the two balances.
Home
This browser is not keeping what you do here (a private window, or its storage is full). Entries made now will be gone when the page is closed.
Start your account book
Answer a few questions — your kind of business, when your year starts, and the cash and bank balance you start with — and the book is ready for its first entry. It takes about two minutes.
Where things stand
This month
Income and expenses, month by month
IncomeExpenses
See the numbers
Where the money went
No expenses this year yet.
Latest entries
No entries yet. Tap “+ Money in” or “+ Money out” to make the first.
Entries
No entries match.
Customers
Check the bank
Tick each line of your bank book as you find it on the bank's own statement. What is left unticked explains any difference between the two balances.
to
Your business
The name, address and numbers are printed at the top of reports and statements. The kind of business decides which ready accounts “Run the setup again” offers; it changes nothing by itself.
How the book is kept
Accounts
An account is a heading money is counted under. Tap one to rename it or see its ledger.
Opening balances
What the business had and owed on the day this book starts: cash, bank balance, what customers owed, what was owed to suppliers, loans. Whatever is left over is the owner's capital.
Count the stock
This book does not track stock item by item. Goods count as a cost when they are bought; when you count what is left unsold — at the end of a month or a year — type its value here, and the profit is put right for it.
Close a year
Closing stops entries on or before the date from being added, changed or cancelled. Nothing else needs doing at the end of a year: balances carry forward by themselves, and each year's profit starts again from nothing.
Shop Billing Counter
For a shop that bills on the Shop Billing Counter on this same device: each day's bills become one sales entry here, split into cash, UPI and credit, and each expense typed at the counter becomes a payment. Bringing in again replaces what was brought in before, so nothing is counted twice. Nothing is changed at the counter.
Move to another device
To carry on at another browser, phone or computer — or to hand the book to your accountant: export everything here, get the file to the other device by WhatsApp, e-mail, a drive or a cable, and import it there. The file holds the business's details, the accounts, the customers and suppliers, and every entry.
Importing replaces what is on the device with what is in the file; it shows you both first. It is a hand-over, not a link: the two devices do not stay in step afterwards, so keep the book on one of them at a time. The same file is your safe copy if this browser's data is ever cleared.
Only the list of accounts
A small file with the accounts and nothing else — for starting the book of another business or another branch with the same headings. Import it with the button above.
For a spreadsheet
One line for every line of every entry, with its account and its debit or credit: a CSV file that opens in Excel, Google Sheets and LibreOffice, and that an accountant's own software can read. Each report has its own “Spreadsheet file” button under Reports.
About this app
What is new in each version
Setup and help
Running the setup again adds any ready accounts your book does not have and lets you change the business details. It never removes an account or an entry.
Why the two balances differ
Your book and the bank rarely show the same balance on the same day, even when both are right. A cheque you wrote last week may not have been presented yet. Cash paid in on Saturday may reach the statement on Monday. And the bank may have taken a charge, or added interest, that you have not entered. Reconciling means going through both until every difference has a reason.
Reconciling here
- Get the bank's statement up to a recent date — on paper, as a PDF, or on the bank's own app.
- Open Reports and tap Check against a bank statement.
- Choose the bank account and the statement's last day.
- Tick each line of your book that you can see on the statement. A tick is kept: next month the list starts from what was left.
- Type the statement's closing balance.
The sheet shows four figures as you go:
| Figure | What it is |
|---|---|
| Balance in your book | The bank account's balance on that day, from your entries |
| Money in the bank has not shown yet | Unticked amounts received — taken off |
| Money out the bank has not shown yet | Unticked amounts paid — added back |
| The statement should show | The three above, worked out |
When the balance you typed matches that last figure, the sheet says the statement agrees with your book. When it does not, it says by how much.
A worked example
Your book shows 43,000 in the bank. You have ticked everything except a cheque for 10,000 paid to a supplier and 5,000 of cash paid in yesterday. The statement should therefore show 43,000 − 5,000 + 10,000 = 48,000. If it does, you are done: the two items will appear on next month's statement.
When the figures still differ
- Something on the statement is not in your book. Bank charges, interest, a direct payment from a customer, a standing instruction. Enter it — Money out under Bank charges and interest, or Money in — then tick it.
- An amount was typed wrongly. A difference that divides exactly by 9 often means two digits were swapped: 540 typed as 450. Open the entry from the Bank book and correct it.
- An entry was made against cash instead of the bank, or the other way round. Open it and change the account.
- An entry was typed twice. Cancel one of the two.
Use Show only the lines not ticked yet to see just what is outstanding. Old unticked lines deserve a second look: a cheque nobody has presented for months, or a deposit the bank never credited.
What this tool does not do
It does not sign in to your bank, read a statement file, or match lines by itself: you tick them. Ticks can be made and removed at any time — even in a part of the book that has been closed, since a tick records what the bank has shown and changes no figure.
Where the book is kept
There is no account to make and nothing is sent anywhere: the whole book is kept in this browser, on this device. Books → Export everything saves all of it as one file, and Import from a file on another phone or computer opens it there — which is how the book moves, how it reaches your accountant, and how it is kept safe. Installing the page as an app (the Install app button at the top) lets it open from the home screen and work with no internet. The main guide covers setting up, tax, stock, closing a year and everything else.
Questions
What is bank reconciliation?
It is checking your own record of a bank account against the bank's statement, line by line, until every difference between the two balances is explained — usually by payments and deposits the bank has not processed yet, or charges you have not entered.
Do I have to give my bank login?
No. The tool never connects to a bank. You look at your statement and tick the matching lines yourself.
How often should I reconcile?
Once a month, when the statement is complete, suits most small businesses. A business with many bank payments may prefer every week.
Are my ticks saved?
Yes. A tick stays on its line, so each month you only deal with new lines and whatever was outstanding last time. If you change an entry's amount, its tick is removed, because it no longer matches what the bank showed.
Can I reconcile more than one bank account?
Yes. Add each bank account under Books, and choose which one to check at the top of the sheet.
More about the Account Book
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