Checkbook Balance Calculator
Keep your finances in order by reconciling your bank account. Enter your statement balance and any uncleared items to see if they match your personal records.
Deposits made but not yet on your statement
Checks written or debits made but not yet cleared
The balance shown in your personal checkbook register
How do I balance a checkbook?
To balance your checkbook, take your bank statement balance, add any deposits that haven't shown up yet, and subtract any checks or withdrawals that haven't cleared. The result should match your personal register balance.
What are "outstanding" transactions?
Outstanding (or uncleared) transactions are checks you have written or deposits you have made that the bank has not yet processed. These must be accounted for when reconciling your statement.
Why doesn't my bank balance match my register?
Common reasons include outstanding checks, recent ATM withdrawals, bank fees, or automatic payments that you forgot to record in your personal register.
How often should I balance my checkbook?
It is best practice to balance your checkbook once a month when you receive your bank statement. This helps catch errors and prevents overdrawing your account.