Budget Sync Calculator

Bank vs budget reconciliation gap score.

Current bank balance ($)

Total budgeted ($)

Pending transactions ($)

Uncleared checks ($)

Tab to move between fields

Adjusted bank balance ($)

$4,100.00

≈ 4 smartphones

Reconciliation gap ($)$100.00

Gap as % of budget2.5%

Sync score (0–100)98

Unassigned dollars ($)$100.00

How to Use This Calculator

Enter Current bank balance ($), Total budgeted ($), and Pending transactions ($).
Set Uncleared checks ($).
Review the Adjusted bank balance ($) ($) result.
Use Reconciliation gap ($) ($) and Gap as % of budget (%) to inform your decision.

How the result changes with Current bank balance ($)

Current bank balance ($): Your current checking account balance as shown by the bank.
Total budgeted ($): Sum of all budget category allocations for the current period.
Pending transactions ($): Transactions that have been initiated but not yet cleared by the bank.
Uncleared checks ($): Checks you have written that have not yet been cashed or deposited.

Adjusted bank balance ($): Bank balance minus pending transactions and uncleared checks.
Reconciliation gap ($): Difference between adjusted bank balance and total budgeted. Positive = unassigned funds.
Gap as % of budget: The reconciliation gap expressed as a percentage of total budgeted amount.
Sync score (0–100): 100 = perfectly reconciled. Lower scores indicate larger gaps between bank and budget.
Unassigned dollars ($): Dollars in the bank that are not yet assigned to any budget category.

Identify Input Parameters
4 parameters
Current bank balance ($) = 4250, Total budgeted ($) = 4000, Pending transactions ($) = 150, Uncleared checks ($) = 0 = 4 input(s) provided
Calculate Adjusted bank balance
Adjusted bank balance = bankBalance - pendingTransactions - unclearedChecks
4100 = $4,100
Calculate Reconciliation gap
Reconciliation gap = adjustedBank - totalBudgeted
100 = $100
Calculate Gap as % of budget
Gap as % of budget = totalBudgeted > 0
2.5 = 2.5%