One calculator and 2 readiness checks
Three tools, each built to turn a statement question into a concrete number or a completed checklist.
Statement fee comparison
Add up what one account's recurring statement fees cost over a year against a second option, so you can see the real annual difference.
Assumptions this uses
- Treats every fee as either monthly or a once-a-year annual charge
- Assumes the figures you enter reflect actual charges from a real statement, not a guess
- Does not account for one-time or overdraft-triggered fees, which vary month to month
- A planning comparison, not a live account scan
Limitations: Does not connect to your accounts — you'll need to gather the actual fee figures from your statements first.
Runs entirely in your browser.
"Available balance" and "actual balance" are not the same number
Your available balance can be higher than your actual balance if a deposit is still pending, or lower if a hold has been placed on a transaction that hasn't posted yet. Treat the available balance as an estimate for the moment, not a precise account of what's really there — the posted transaction list is the source of truth.
Reconciliation readiness checklist
Check off what you have in hand before you sit down to reconcile a statement, so the pass goes quickly instead of stalling halfway through.
Assumptions this uses
- Assumes a monthly reconciliation, not a full-year catch-up
- A readiness check, not a substitute for actually reconciling
- Applies to bank and credit card statements alike
Limitations: Confirms you're ready to start — it doesn't check your statement for you.
Runs entirely in your browser.
The Statement Reading & Reconciliation Kit
A worksheet for reconciling your statement and a record-keeping checklist you can actually stick to.
Get the free guide →Record-keeping checklist
See which categories of statements and documents you have a plan for keeping, and which ones you're likely to lose track of.
Assumptions this uses
- A general household record-keeping check, not tax or legal advice
- Assumes US retention norms — check IRS guidance for tax-specific documents
- Digital and paper copies both count, as long as they're reliably retrievable
Limitations: Shows you the gaps in your own system — it doesn't store or back up anything for you.
Runs entirely in your browser.
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See a tool built to track spending automatically
Once you can read your own statements confidently, a dedicated financial planning app can pull the categories together automatically going forward.
See how it works →