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Reconciling is the check that proves your budget matches reality. You compare Budget Bandit’s balance to your bank or statement, confirm the transactions that have posted, and lock them in. After reconciling, those transactions are sealed so an accidental edit can not quietly throw your balance off. Do this whenever you want to be sure an account is right — many people reconcile each time a statement closes, or every week or two.

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Cleared vs reconciled

A transaction moves through two states as you confirm it:
  • Cleared — you have seen it post at the bank and marked it cleared.
  • Reconciled — it was part of a reconciliation that matched your statement, and is now locked. Reconciled transactions show a padlock.
Reconciling is the step that turns a batch of cleared transactions into locked, reconciled ones tied to a statement balance.

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Reconcile

1

Open the account

From the Accounts sidebar, open the account you want to reconcile and start the reconcile flow.
2

Enter the statement balance

Type the ending balance from your bank statement or current online balance — the number you are reconciling to.
3

Confirm the cleared transactions

Mark every transaction that has posted as cleared. Budget Bandit adds up your cleared transactions and compares the total to the statement balance you entered.
4

Check that the two balances agree

When your cleared total equals the statement balance, you are reconciled. If they do not match, see Balance doesn’t match.
5

Finish

Budget Bandit locks the matched transactions to reconciled, stamps the account with the reconcile date, and records the event. Your toast confirms how many were reconciled.
Reconciling never changes how your money is budgeted. It confirms which transactions are real and locks them — it does not move money between categories.

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Editing a reconciled transaction

A reconciled transaction is locked on purpose. If you need to change one, open it and unlock it from the padlock — that returns it to cleared so you can edit. The original reconciliation record stays as history either way.

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If something looks wrong

If your cleared total will not match the statement no matter how you check the transactions, work through Balance doesn’t match to find the discrepancy and, if needed, post a one-line balance adjustment.

Balance doesn't match

Track down a discrepancy and adjust.

Cleared vs posted

When a transaction is ready to clear.

Duplicate or missing transactions

A common cause of a mismatch.

Fix sync problems

When a linked bank is out of step.