2026-09-29 · 5 min read

Bank Reconciliation Example: The Simple 5-Line Method

Bank reconciliation example made simple: how to calculate bank reconciliation in five lines, with a clean Excel workflow.

Reconciliation proves the math. Start plus rows must equal end. Nothing else matters first.

Example: opening 5,000. Credits 3,200. Debits 2,100. Expected close 6,100. Statement shows 6,100. Reconciled.

How to calculate it: list opening, add each credit, subtract each debit, keep a running total, compare to printed close.

Simple statement format: book balance, bank balance, then reconciling items. Outstanding cheques, uncleared deposits, fees, interest. Both sides meet.

Build it from converted Excel. One Status column for outstanding items. Save PDF plus sheet as proof.

FAQ

How do you calculate bank reconciliation?: Add credits and subtract debits from the opening balance, compare to the closing balance, then list outstanding items until books agree.
What is a simple bank reconciliation?: Book balance and bank balance on opposite sides, with outstanding payments, uncleared deposits, fees, and interest listed until both agree.

Now try it on a real statement

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