> ## Documentation Index
> Fetch the complete documentation index at: https://docs.budgetbandit.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Reconcile an account

> Reconcile an account in Budget Bandit: match your bank statement and lock in a cleared balance you can trust.

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.

## 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.

## Reconcile

<Steps>
  <Step title="Open the account">
    From the Accounts sidebar, open the account you want to reconcile and start the
    reconcile flow.
  </Step>

  <Step title="Enter the statement balance">
    Type the ending balance from your bank statement or current online balance — the
    number you are reconciling to.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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](/reconciling/balance-doesnt-match).
  </Step>

  <Step title="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.
  </Step>
</Steps>

<Note>
  Reconciling never changes how your money is budgeted. It confirms which transactions are
  real and locks them — it does not move money between categories.
</Note>

## 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.

## 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](/reconciling/balance-doesnt-match) to
find the discrepancy and, if needed, post a one-line balance adjustment.

## Related

<CardGroup cols={2}>
  <Card title="Balance doesn't match" icon="scale-unbalanced" href="/reconciling/balance-doesnt-match">
    Track down a discrepancy and adjust.
  </Card>

  <Card title="Cleared vs posted" icon="circle-check" href="/accounts/pending-vs-posted">
    When a transaction is ready to clear.
  </Card>

  <Card title="Duplicate or missing transactions" icon="copy" href="/accounts/duplicate-or-missing-transactions">
    A common cause of a mismatch.
  </Card>

  <Card title="Fix sync problems" icon="rotate" href="/accounts/fix-sync-problems">
    When a linked bank is out of step.
  </Card>
</CardGroup>
