Build a printable bank reconciliation form for the period you are reviewing. Choose the blank rows you need for deposit and check lists, then print the empty sheet or enter amounts for a completed worksheet. Keep the printed form with the statement and supporting records. This page also calculates the adjusted bank and book balances, so you can check the arithmetic before filing the worksheet.
Worked example: IRS bank reconciliation
| Item | Amount ($) |
|---|---|
| Bank statement balance | 1,458.12 |
| Add deposit 1/28 | 701.33 |
| Add deposit 1/31 | 516.08 |
| Subtract outstanding checks | 526.50 |
| Adjusted bank balance | 2,149.03 |
| Checkbook balance | 2,153.03 |
| Add book correction | 6.00 |
| Subtract bank service charge | 10.00 |
| Adjusted book balance | 2,149.03 |
Published amounts from IRS Publication 583, Recordkeeping System Example. The original table is shown separately from editable inputs.
How it works
Adjusted books = ledger balance - unposted fees + unposted interest - unposted NSF items + signed book corrections.
Difference = adjusted bank - adjusted books.
Method source: IRS Publication 583. Amounts are calculated in whole cents. The tool reports the arithmetic of your inputs and does not update your records.
Choose the form before entering amounts
Use the period label to identify the statement month without entering a name or account number. Choose enough blank rows to describe the deposits and checks you expect to review. The blank sheet changes when you change the row selection. It is separate from the calculated worksheet, which accepts the actual opening figures for this reconciliation. Print the blank sheet for handwriting, or complete the calculator before printing if you prefer a typed record.
For a completed form, copy the ending statement balance and ending ledger balance into their labeled fields. Add each deposit in transit and each outstanding check as a separate row. Use short generic references that let you find the supporting record. Keep detailed account information in your own records. The sheet does not require a signature, account identifier or contact information to calculate.
Keep the two sides separate
The bank side begins with the balance on the statement. The IRS illustration adds deposits not credited and subtracts checks not cleared. The book side begins with the checkbook balance and includes an unposted bank service charge and a recording correction. Follow that separation when filling out your own form. If an item is already included in the starting figure, leave it out of the adjustment fields.
Use the error field on the side that needs the correction. Enter the amount with the sign needed to increase or decrease that balance. Keep a note of the reason in the supporting records. The blank form provides space for bank corrections and book corrections, but an empty line does not mean an error exists. Leave unused lines empty on paper and leave unused calculator adjustments at zero.
Review and retain the finished worksheet
Check the two adjusted totals and review the difference before updating your books. The IRS says to update checkbooks and journals for items shown on the reconciliation that were not recorded or were recorded incorrectly. A printed worksheet explains your calculation; it does not itself post those changes. Keep the statement and item schedules together so a later review can follow the entries.
The print button opens your browser print dialog. Select paper or a PDF destination available in that dialog. The blank template appears after the completed worksheet, making it possible to keep a reusable form with your records. Export CSV when you need a list of the calculated inputs and totals. Clear entries after exporting if you do not want this worksheet restored in the same browser.
Questions about this tool
Where do the worked amounts come from?
The worked amounts are from the static recordkeeping illustration in IRS Publication 583. Your own worksheet should use the records for the period you are reviewing.
Are entries sent to a server?
Calculations run in the browser. Entries are saved only in local browser storage when it is available. CSV files download to your device.
Official sources
- IRS Publication 583: checking account reconciliation and recordkeeping illustration
- Federal Student Aid Handbook: reconciliation adjustment categories
Data as of 2026-10-05. Published illustrations are static teaching cases, not live account data.