Reconciliation proves the books match the bank. LedgerMCP does it two ways, saves every tie-out as proof, and when the balance is off it names the rows to look at. Your AI can run the whole thing, or you can work the worksheet yourself.
Works with Claude, ChatGPT, Grok, Cursor, and any MCP client.
Business Checking, June
01 · The tie-out
Your AI runs the steps, or you do them yourself.
01 Statement · list_bank_accounts
Choose the bank account and enter the statement’s ending date and ending balance. Or skip the statement and check against the balance the bank reports through the feed.
Reconcile June against this statement.
02 Reconcile · reconcile_account
Your AI reconciles to the ending balance in one call. Or you check off cleared rows in the worksheet and watch the total rise to the statement.
Worksheet · Business Checking, June
| Date | Merchant | Description | Category | Amount | Reviewed |
|---|---|---|---|---|---|
| 06/28 | Gusto payroll run | Payroll | −$6,797.00 | ||
| 06/27 | Square processing fees | Bank Fees | −$1,204.00 | ||
| 06/25 | Square daily sales | Sales Revenue | +$8,494.00 |
3 rows cleared. $0.00 difference.
03 Proof · list_reconciliations
When the difference hits zero the tie-out is stored with the statement attached. If it is not zero, you get the rows most likely to explain the difference, ranked.
Reconciliations · Business Checking
Three months proven.
02 · When it does not tie
Nothing is forced to match.
A nonzero difference comes back with the rows most likely to explain it. If one row explains the whole gap by itself, it is marked.
Transaction categorization →Business Checking, June
Unposted rows · 1
Possible duplicates · 1
Post the row, then reconcile again.
03 · The proof
Any device, any session, the same history.
Saved
A statement balance, a book balance, a difference, a date.
Business Checking · Jun 30, 2026
Two modes
Whole balance or worksheet. Either way, the same record.
Still ties
A back-dated entry cannot quietly undo a proven month.
Checks · Coffee Company
3 of 3 pass.
Every report total rests on a balance that tied out.
Financial reports →Tools
Reconcile an account, read the saved history, find the other half of a transfer, or set a loan or brokerage account to its statement figure.
Read the docs →Questions
Yes. Your AI 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 it can resolve them and reconcile again.
Whole-balance and worksheet. Whole-balance compares the statement ending balance to the computed book balance as of that date, the fast path your AI 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.
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.
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.
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.
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.
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.
Import a statement, connect your AI, and tie out a month.
Done in a couple of minutes.