Feature

Bank reconciliation your AI can run

Reconciliation is the step that proves your books match reality. LedgerMCP does it two ways, saves every tie-out as proof, and when something is off it tells you exactly which transaction to look at. Your agent can run the whole thing, or you can work the worksheet yourself.

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Tool callreconcile_account
{
  "bank_account_id": "chk_1a2b",
  "statement_date": "2026-06-30",
  "statement_balance_cents": 1842355
}
Tied out. Book balance 1842355 matches the statement. Saved as reconciliation for Jun 2026.

How reconciliation works

  1. 1

    Pick the account and statement

    Choose the bank account and enter the statement ending date and ending balance. Or skip the statement entirely and check against the balance the bank already reports through the feed.

  2. 2

    Match, by balance or line by line

    Your agent reconciles to the ending balance in one call, or you check off cleared rows in the worksheet and watch the cleared balance climb to the statement. Either mode works.

  3. 3

    Tie out, then it is proof

    When the difference hits zero the tie-out is saved as a proof object with the statement attached. If it is not zero, you get a ranked list of the transactions most likely to explain the gap.

Reconciliation is the last check on a month of categorized transactions. Whichever mode you use, the outcome is the same: a saved record that this account tied to this statement on this date. Close the period afterward with a lock date and those numbers are frozen for good.

When it does not tie out

A difference is a lead, not a dead end.

Ranked suspects

The reconciliation returns the transactions most likely to explain the gap, unposted rows and possible duplicates first, each flagged if it accounts for the difference exactly.

No silent plugs

LedgerMCP never posts a mystery adjustment to force a match. You find the real cause and fix it, so the books stay honest and your accountant trusts them.

Fix and re-run

Post the missing transaction, resolve the duplicate, then reconcile again. The moment the difference is zero, the period is proven.

The proof stays with the book

Every reconciliation is stored as its own object: the statement balance, the computed book balance, the difference, and the date. Attach the statement PDF and it rides along as evidence, retrievable later through a short-lived signed link.

That history is what lets any session, yours or another agent on another device, see at a glance which months are already proven and never re-litigate them. It is also what an auditor or a new bookkeeper needs on day one, and it is why every total on your financial reports rests on a balance you have actually tied out.

The tools behind it

The same tools your agent uses. Reconcile an account, review the saved history, hunt down a suspect leg, or set a balance-tracked account like a loan or brokerage to its statement figure.

reconcile_accountlist_reconciliationsfind_matchesset_balance

Common questions

Can an AI reconcile a bank account?

Yes. Your agent calls one tool with the statement date and ending balance, and LedgerMCP computes the book balance as of that date and stores the tie-out. If the two do not agree, the tool returns a ranked list of suspects, usually an unposted transaction or a possible duplicate, so the agent can resolve them and reconcile again.

What are the two reconciliation modes?

Whole-balance and worksheet. Whole-balance compares the statement ending balance to the computed book balance as of that date, the fast path an agent uses. Worksheet is the classic check-off: you mark each cleared row and the cleared balance climbs until it matches the statement. Both save the same proof.

What happens when the balance does not match?

The reconciliation returns a difference and a ranked list of suspects: unposted transactions and possible duplicates, each marked if it would explain the gap exactly. Nothing is force-fit. You resolve the real cause and reconcile again, and the ledger never silently plugs the difference.

Is the reconciliation saved as a record?

Yes. Every tie-out is persisted as its own object with the statement and book balances and the difference. Periods that tied to zero with a statement attached are proven and never need to be re-done. You can attach the statement PDF as evidence and pull it back later through a short-lived signed link.

Do I need a statement to check an account?

Not always. Connected accounts cache the balance the bank itself reports at every sync, so you can see bank says X, ledger says Y without waiting for a statement. A full statement reconciliation is still the record you keep for the period.

How do I redo a reconciliation I got wrong?

Delete it. That un-stamps the rows it cleared so you can start the period over. Nothing is destroyed; the postings underneath are untouched, because reconciliation only marks rows, it never edits the ledger.

Can I reconcile a brokerage or loan account?

Yes, with a balance-tracked account. Instead of matching lines you set the account to the figure on the statement as of a date, and LedgerMCP posts the difference against an offset account you name in one balanced entry. No hand-computed mark-to-market plug.

Reconcile your first account free

Import a statement, connect your agent, and tie out a month in a couple of minutes. No card required.

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