§ Calculator · Personal
Chequebook balancer
What this is
Reconcile your bank statement against your register. Adjusted statement should equal register.
Bank shows what’s cleared. Register shows what you’ve written or initiated. Outstanding items (uncleared cheques, pending e-transfers, in-flight deposits) explain the gap. When the adjusted statement matches your register, you’re balanced.
Recent entries, check the box if cleared on statement
- 2026-05-22Hydro autopay-$127.45
- 2026-05-24Grocery, Loblaws-$184.20
- 2026-05-25Paycheque deposit$2,850.00
- 2026-05-25E-transfer to landlord-$1,750.00
Outstanding deposits
$0.00
Outstanding withdrawals
-$1,934.20
Adjusted statement
$516.12
Difference vs register
-$1,668.95
Not balanced, investigate the gap. Common causes: forgotten autopay, double-entered cheque, bank fee.
Use it monthly when a paper statement lands, or whenever you spot a balance you can’t explain. Mismatches usually mean: a forgotten autopay, a duplicate charge, or fraud.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.