Bank vs Ledger CSV Reconciler

Bank vs Ledger CSV Reconciler is an offline app: one HTML file in a zip that opens by double-click, with no installation, internet or subscription.

The problem it removes: Bank reconciliation is the job that gets left until the auditor asks. Someone ticks lines between a statement and a cash book by eye, a cheque that cleared three days late looks missing, two cash receipts banked as one deposit never agree, and the difference is carried forward month after month. Every unmatched line is a possible error or a missing entry that nobody has looked at.

What is inside:

• Import the bank statement CSV and your ledger (cash book) CSV for the same period; you map the columns, with one signed Amount column or separate Debit and Credit columns, and a sign option
• Re-importing the same file skips lines that are already there
• Every possible pair is scored on amount, date, reference or cheque number and matching words; the sure pairs are accepted in one click and the doubtful ones go to a Check these list
• Grouped matches: one bank deposit against two to four ledger lines when their amounts add up, with a warning if another combination also fits
• Manual match: tick lines on both sides and the difference must be zero
• A Matched tab where any match can be undone
• A bank reconciliation statement: from the bank balance (plus deposits in transit, less cheques not cleared) and from your books (plus bank credits, less charges not in your books) to the same adjusted balance. Print it
• Settings: date tolerance, amount tolerance, high-confidence score
• Example CSV files, JSON backup and restore

In the zip: index.html (the app), README.txt (quick start, how it calculates, limits) and EXAMPLE-DATA with a made-up example you can restore, plus 2 example CSV files in the layout the importer expects. Start in 10 minutes: open index.html, press Load example data, look around, press Clear everything and enter your own settings.

Rules are settings, not built in. The date tolerance, amount tolerance and the high-confidence score are settings. A new copy starts at exact amounts and dates within five days.

Who it is for: accountants, bookkeepers and owners who reconcile one account a month from a bank CSV and a cash book export.

What it is NOT: a bank connection (you download the CSV yourself), and it posts nothing to your books: it tells you what to post. The scoring is a helper, not a judge: always read a pair before accepting it. It works on one account and one period at a time. Bank Reconciliation Workbook for UAE Small Business is an Excel workbook you tick by hand; this is a separate offline app that imports both CSVs and does the scoring and grouping. Bank Reconciliation Cleanup is a service for a backlog.

Your data stays on this device in your browser. Back it up with Export; clearing browser data loses it otherwise.

Verified by us: 76 scripted checks through the real screens in Chromium, at 1280 px and 375 px. The scoring was re-implemented in Python and compared pair by pair with the app (a wrong grouped suggestion found in testing was fixed). Also tested: accept all, group accept, manual match, undo, imports with other delimiters, date formats and Debit and Credit or signed layouts, re-import without duplicates, settings and backup. The statement was rendered to PDF and looked at. The example files in the zip import through the real screens and reconcile to 50,717.32 on both sides, difference 0.00. Real bank exports vary and may need the mapping step. Not tested in Firefox or Safari (neither could be launched in our test environment), in Edge, on a real phone, on a real printer, or with real bank or accounting exports; layout checked at 375 px and 1280 px.