Statement Reconciler
Turn a year of credit-card and bank statements into tax-ready books. It sorts every charge into your own chart of accounts — GL or Schedule C — splits business from personal, builds a profit & loss by business line, and exports a clean file plus an audit trail your accountant trusts. Your statements never leave your browser.
🔒 What this touches: your statement is parsed in your browser and never uploaded. Only the short text descriptions of transactions we couldn't auto-match are sent once for an AI suggestion — never amounts, never the file. Your mapping table lives in this browser only. Close the tab and the statement is gone.
Confirm the columns
We read 0 rows. Tell us which column is which (we guessed):
Your mapping table
Vendor keywords route a transaction to an account. First matching rule wins. This lives in this browser only — export it to back it up or move machines. You own it; I never see it. Import accepts JSON, CSV, or Excel — grab the Template to build your mapping in a spreadsheet.
Chart of accounts
One per line: Name | Code | kind | tax line — code/kind/tax-line optional. kind is income, expense, transfer, or personal (transfer + personal are excluded from the P&L). Works for a GL chart or a Schedule C/E chart — same technique, your taxonomy.
Rules
Need review
Vendors with no rule yet (or flagged for review). Pick an account and Accept to teach your mapping table — it'll auto-match next time.
Profit & loss by business line
Income and deductible expenses per line — the way they land on a tax return. Transfers, card payments, and personal spend are excluded, so the net isn't overstated.
Totals by account
All transactions
The audit workbook has two sheets — every transaction with its account + how it was categorized, and totals per GL account/business line — a self-contained trail for your accountant or an auditor.
Always a draft. Review the categories before you import — the tool reads and sorts; you confirm what hits the books.
Run this on every card, every month — without the busywork → This page reconciles one statement at a time. The deeper playbook — multi-card, recurring runs, and a mapping table that keeps learning — lives free inside AI for Operators on Skool.Combined books
Add each card and bank account's statement to build one consolidated year — the whole entity's P&L across every line. Drop several files at once and they land here automatically. Stored on this device only; export the audit workbook to keep it.
Consolidated profit & loss
What this actually does for you
The real work at tax time isn't "reconciling" — it's categorization: read a cryptic line like SQ *SP CARBON REDWOOD, decide if it's business or personal, pick the account it belongs to, and do that a thousand times across every card and bank account. Get it wrong and you either overpay tax or can't defend the return.
This keeps the part you're good at (knowing your vendors and what's business) and takes the part you're not (the typing). Your mapping table sorts everything it's seen before, on your own machine; new vendors get an AI suggestion you approve once and it's remembered. You walk out with a profit & loss per business line and an audit trail — not just a categorized list.
Schedule C or Schedule E wants. Transfers and card payments are kept out of expenses.