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If you are reconciling and your cleared total will not equal the statement balance, there is a difference between what Budget Bandit thinks happened and what your bank recorded. The goal is to find it. When you genuinely cannot, Budget Bandit can post a single adjustment to close the gap so the account reconciles.

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Find the discrepancy first

Most mismatches come from a handful of causes. Work through these before adjusting.
Something posted at the bank that is not in Budget Bandit yet — a charge, a fee, or interest. Add it. This is the most common cause on manual accounts. See Add a transaction.
The same transaction was entered twice, often when a manual entry and a synced one overlap. Delete the extra. See Duplicate or missing transactions.
A transaction was entered for the wrong amount, or as an outflow instead of an inflow. Open it and correct it.
A transaction that has posted at the bank is still uncleared in Budget Bandit, so it is not counting toward your cleared total. Mark it cleared.
A charge still pending at the bank may not be reflected the same way on both sides. See Pending vs posted.
Note the exact size of the gap. A difference that matches a transaction you recognize points straight at the culprit — a 12.40gapisprobablyone12.40 gap is probably one 12.40 transaction missing, duplicated, or mis-entered.

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Post a balance adjustment

If you have checked everything and a small difference remains — a stray fee you cannot source, rounding on an old account — Budget Bandit can post a balance adjustment so the account reconciles to the statement. When you finish reconciling with a remaining difference, Budget Bandit creates a single transaction for exactly that gap, against a system payee named Reconciliation Balance Adjustment, dated to your statement date. It nudges the account’s working balance to match the statement and is included in the reconciliation.
1

Confirm everything you can

Mark all the cleared transactions you are sure of and enter the statement balance.
2

Let Budget Bandit calculate the difference

The remaining gap between your cleared total and the statement balance becomes the adjustment amount.
3

Finish reconciling

The adjustment transaction is created and reconciled along with the rest. The account now matches the statement.
An adjustment is a last resort, not the routine fix. It records that a difference existed rather than explaining it. If the gap is large, keep looking — a big adjustment usually means a real transaction is missing or duplicated, and the adjustment would only hide it.

Reconcile an account

The full reconcile flow.

Duplicate or missing transactions

The most common cause of a mismatch.

Pending vs posted

Why a pending charge can throw off a balance.

Add, edit, delete

Fix a wrong or missing transaction.