Every month, your trust account has to prove one thing three ways: the bank, your books, and your client ledgers all agree to the penny. Enter the three numbers, run the check, and see exactly where they don't — down to the dollar.
What the bank says is in the trust account at month end.
What your firm's own trust ledger says should be there.
Every client's individual balance, added together.
The three-way rule, in plain English: money in a client trust account isn't the firm's money — it belongs to clients, so most state bars require a monthly reconciliation proving that three independent records of that money match exactly: the bank's statement balance, the firm's book (trust ledger) balance, and the sum of every individual client ledger. If the three don't agree to the penny, something is wrong — a missed deposit, a fee taken from the wrong client, a transposed digit — and it has to be found and fixed before it becomes a bar complaint.
Fill in the three balances, then run the check. New here? Load the sample month to see a mismatch get flagged.
The ending balance on the bank statement for the trust account.
Or choose a statement CSV file:
The balance your firm's own trust accounting shows for the same date. Outstanding checks and deposits in transit should already be reflected the way your bar's rule requires.
One row per client matter. Negative balances are flagged — a client ledger should never go below zero.
| Client / matter | Balance ($) | |
|---|---|---|
| Total of client ledgers | $0.00 |
Format: client name, then balance as the last value on the line. A header row is fine — it's skipped automatically.
For a paper copy, print this page from your browser — the printout is the clean audit report (summary, checks, and client list) without the workspace.
Saved reconciliations live in this browser only — nothing is sent to or stored on a server. Loading a month restores its figures so you can re-check or re-print it.
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This tool is not legal advice, and it is not a lawyer or an accountant. It is a read-only arithmetic checker: it never moves money, never connects to your bank, and never changes your firm's books. It only compares the three figures you enter.
Reconciliation rules differ by state. Your firm is responsible for verifying its own state bar's trust accounting rule — including how outstanding checks, deposits in transit, and bank charges must be treated — and for having a lawyer or accountant review your reconciliations. A matching result here does not certify compliance, and a mismatch does not by itself mean funds are missing; it means the difference must be investigated and documented.
All sample data on this page is synthetic and fictional. No real firm or client data is used anywhere in this tool.