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Practical market worksheet

Trading Account Cash Reconciliation Worksheet

Explain the gap between an expected closing cash balance and your recorded balance.

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Start with a hypothetical 1,000 USD, add 200 of deposits, subtract 50 of withdrawals, add 30 of gross realized P&L and subtract 5 of costs. Expected closing cash is 1,175 USD. A recorded 1,180 USD leaves a +5 USD difference to investigate. Using already-net P&L of 25 gives the same expectation.

What this helps you check

A closing cash balance combines starting cash, external flows and the net trading component. This worksheet lays those pieces out in one currency and reports recorded minus expected. It is a practical way to isolate an unexplained amount instead of calling every balance increase a trading gain.

A nonzero difference identifies a reconciliation gap; it does not determine its cause. Review omitted ledger movements, the period boundary and gross-versus-net amounts. This is cash reconciliation and does not automatically value open inventory or convert currencies.

Your worksheet

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Unit: currency. Use a decimal point; do not use thousands separators.
Unit: currency. Use a decimal point; do not use thousands separators.
Unit: currency. Use a decimal point; do not use thousands separators.
Unit: currency. Use a decimal point; do not use thousands separators.
Unit: currency. Use a decimal point; do not use thousands separators.
Unit: currency. Use a decimal point; do not use thousands separators.

Interactive calculation requires JavaScript. The method and hypothetical worked example below remain readable.

Hypothetical worked example

Check the example by hand

Start with a hypothetical 1,000 USD, add 200 of deposits, subtract 50 of withdrawals, add 30 of gross realized P&L and subtract 5 of costs. Expected closing cash is 1,175 USD. A recorded 1,180 USD leaves a +5 USD difference to investigate. Using already-net P&L of 25 gives the same expectation.

Expected closing balance
1175USD
Recorded minus expected
5USD
Net trading component
25USD
Exact example inputs
{
  "opening_balance": "1000",
  "deposits": "200",
  "withdrawals": "50",
  "realized_pnl": "30",
  "pnl_mode": "gross",
  "costs": "5",
  "reported_closing": "1180",
  "currency": "USD"
}

The example is invented to demonstrate the method. It is not a current market quote, a provider's fee schedule or verified trading performance.

How the worksheet works

  1. net_trading=realized_pnl-costs for gross mode; realized_pnl for net mode.
  2. expected_closing=opening_balance+deposits-withdrawals+net_trading.
  3. difference=reported_closing-expected_closing.

A nonzero difference identifies a reconciliation gap; it does not determine its cause. Review omitted ledger movements, the period boundary and gross-versus-net amounts. This is cash reconciliation and does not automatically value open inventory or convert currencies.

Boundaries to keep in view

  • One currency and a cash-balance scope only; no automatic valuation of inventory.
  • Transfers between included accounts are not external deposits or profit.
  • In net mode ignore costs with an explanatory warning if costs are nonzero, preventing double deduction.

Compare resources for this task

Reconciliation requires records with compatible scope. A trade export, a cash ledger and a portfolio valuation are different evidence. These resources can help obtain or organize records, but none is treated here as an independently verified balance audit.

10 Services for Crypto Account Record Reconciliation

Official sources and scope

The sources document formats, mechanisms or record workflows. The arithmetic and editorial comparison on this page use the supplied worksheet definitions.

  • Kraken account history export

    Separate trades, ledger and balance exports.

    Reference checked 2026-10-01. Consult the source for current product rules.
  • Kraken ledger versus trades

    Trade fee estimates differ from actual ledger deductions and currencies.

    Reference checked 2026-10-01. Consult the source for current product rules.
  • CoinLedger universal manual CSV

    Provider-specific UTC transaction template, field mapping and already-included fee considerations.

    Reference checked 2026-10-01. Consult the source for current product rules.