Free Bank Statement & Reconciliation Templates

They pair naturally with a converted statement. If you've turned a PDF into a clean, reconciled spreadsheet first, these templates give you somewhere structured to drop the figures and a clear way to check them.

Bank reconciliation template

A simple sheet to tick off transactions and confirm a statement balances: Date, Description, Money In, Money Out, Balance, a Reconciled column, and Notes. The footer row totals the money in and out so you can confirm the core identity — opening balance + money in − money out = closing balance.

Download the bank reconciliation template (CSV)

Best for: monthly close, checking a converted statement ties out before you post it, or handing a clean working to an accountant. The glossary explains the terms if you want them: see the bank statement glossary.

Cash-flow analysis template

A month-by-month summary: Opening Balance, Total Money In, Total Money Out, Net Movement and Closing Balance, with the closing of one month carried into the opening of the next. It turns a stack of statements into a single view of how the balance actually moved.

Download the cash-flow analysis template (CSV)

Best for: spotting the months you ran tight, seeing the trend rather than the last line, and building a simple forecast off real actuals.

Income-verification template

A log for evidencing income from statements: Date, Source/Payer, Amount, Type (salary, self-employed, other), whether it's Recurring, and Notes. The total row sums the verified income so you have one defensible figure.

Download the income-verification template (CSV)

Best for: mortgage and rental applications, lending reviews, or self-employed income that needs separating from transfers and refunds before it counts.

Loan-review checklist

A checklist of what a careful lender or broker looks for in a set of statements: full period covered, no gaps in the running balance, the statement reconciles, income is regular, affordability headroom, no undisclosed debt, gambling or returned payments, and large one-off credits explained. Each row has a Pass/Fail/N-A column and space for notes.

Download the loan-review checklist (CSV)

Best for: underwriters, mortgage brokers and loan officers running a consistent, defensible review.

How to use the templates with a converted statement

1. Convert your statement first. Turn the PDF (or a scan) into a clean spreadsheet at /convert. The conversion checks the figures reconcile, so you start from data you can trust.
2. Drop the figures into the template. Copy the dated rows or the period totals into the relevant sheet.
3. Check it ties out. Use the reconciliation sheet to confirm opening + money in − money out equals the closing balance.
4. Share or file it. The CSVs open in Excel and Google Sheets, so they go straight to a client, an accountant or a lender.

A template is only as good as the numbers you put in it. Reconciling the statement before you start is what stops a missing or misread line quietly throwing the whole sheet — see how to reconcile bank statements for the method.

Ready to fill one in? Convert your bank statement into a clean, reconciled spreadsheet first, then drop the figures into whichever template you need.