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.
Files received
Confirm the columns
We read 0 rows. Tell us which column is which (we guessed):
Bank statements with separate Debit and Credit columns: set Amount to Debit and pick the Credit column — we net them (money out negative, money in positive). One signed Amount column? Leave Credit on "none".
Most banks and Chase: leave checked. AMEX (and cards where a charge is a positive number): uncheck it. This keeps income vs. expense — and refunds — on the right side. (Ignored when a Credit column is set.)
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 | business line — only Name is required. kind is income, expense, transfer, or personal (transfer + personal are excluded from the P&L). business line pins this account to a line (e.g. Commission Income → Real Estate Agency) wherever the money lands — leave it blank to let the card/account it came from decide.
Sources & business lines
One per line: Label | Business line | Filename contains | money-in positive? | default expense account. money-in positive? = yes banks/Chase, no for AMEX-style cards. default expense account (optional) = for a dedicated business card: anything unmatched or personal becomes that business expense (e.g. Other Expenses). Leave the last two blank for normal behavior.
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 in the course.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
Finish the books — assign uncategorized
Every charge across all statements with no account yet, biggest dollars first. Pick an account and Accept — it categorizes every matching charge in your combined books and teaches your mapping so next year it's automatic.
How every charge gets sorted
Two lookups you control. One says what a charge is; the other says which business line it belongs to. Cross them and you get a profit & loss per line.
SHELL OIL 57442 · $68.40 · from “AMEX Plat Business 12000.csv” SHELL → Fuel & TravelCabinCabin — Short-Term Rental › Fuel & Travel $68.40 You set all of it in Manage mapping table: the rules (vendor → account), the chart of accounts (each with a kind + tax line), and the sources (card/bank → business line). Anything marked transfer or personal — card payments, transfers between accounts, owner spend — is excluded from the P&L automatically, so your net isn't overstated.
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.