How to use this calculator
- Enter bank statement balance, deposits in transit, outstanding payments, book cash balance, unrecorded bank credits, unrecorded bank charges.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Inputs must exclude items already recorded; errors and timing differences must be classified by you. A zero difference is not proof of fraud-free accounts.
Worked example
With bank statement balance = 10000, deposits in transit = 2000, outstanding payments = 1000, book cash balance = 11200, unrecorded bank credits = 0, unrecorded bank charges = 200, adjusted bank balance is approximately 11000.
What the result means
Reconcile two cash records and expose any remaining discrepancy.
Common questions
How should I interpret adjusted bank balance?
Reconcile two cash records and expose any remaining discrepancy.
What should I check before using this result?
Inputs must exclude items already recorded; errors and timing differences must be classified by you. A zero difference is not proof of fraud-free accounts.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.