Treasurer's Report
Every club, committee, choir, allotment society and residents' association has somebody who has to stand up and read the money out. The hard part is never the adding up — it is proving the total is right, and knowing what to say when the closing balance does not match the bank. Paste one period's transactions, give the opening balance and the closing balance from the bank statement, and this produces the statement: income and expenditure broken down by whatever categories you typed, each with its total and its share, then the opening balance plus money in less money out set out line by line so anybody in the room can follow it, then the reconciliation against the bank. If the two agree, it says so. If they do not, it states the difference exactly, lists the ordinary explanations — a cheque not yet presented, a transfer that crossed the period end, a transaction never entered, an amount typed with the wrong sign — and adjusts absolutely nothing. It will not guess which one it is, and it will never plug a difference to make the report look tidy, because a report that hides a difference is worse than no report. Every figure is worked in whole units of money, so the category totals add to the grand totals exactly. A line it cannot read is printed straight back to you and left out of every total, visibly. These are not accounts prepared to any accounting standard, and they have not been audited or independently examined. Nothing here is tax, filing or accounting advice, and nothing is said about what any group should hold, spend or set aside.
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Worked example
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Inputs
- Opening balance at the start of the period
1240.00 - Closing balance on the bank statement (leave blank to skip the check)
1581.05 - Currency symbol
$ / £ / € / ¥ / ₹ / kr / none - List the transactions as read
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Frequently asked
How is this different from the Expense Ledger?
The ledgers store; this computes. Expense Ledger and Shared Expense Splitter are the running record you add to as things happen, and they deliberately do as little arithmetic as possible, because a record that keeps recomputing itself stops being a record. This is the other half. You paste one finished period into it, once, and it produces the statement a committee gets read out to it — the breakdown by category, the opening-to-closing arithmetic, and the reconciliation that proves it. Keep the record there; make the statement here.
What format do the lines take?
date | what it was | category | amount. Separate the fields with a pipe, a semicolon or a tab; a comma works too, but only on a line that uses none of those, and 1,234.56 is mended back together afterwards. The sign says which way the money went: a plain amount came in, a minus sign went out. Brackets work for money out — (95.00) — and so do the words 'in' and 'out' before or after the number. If your export has separate columns, give the line five fields: date | what | category | in | out.
Why will it not read 'credit' and 'debit'?
Because they mean opposite things depending on whose books you are in. A credit on your bank statement is money arriving; a credit on the same account in a set of books is the other way round. Half the people who paste a line saying 'credit' mean one and half mean the other, and there is no way to tell from the line. So it refuses the line and tells you to write 'in' or 'out', or just use a sign. Guessing would be quick, quiet and wrong about half the time.
The closing balance does not match the bank. What now?
You get the difference to the exact unit, stated at the top of the reconciliation where nobody can miss it, and a list of the ordinary reasons: a cheque written but not yet presented, a transfer that crossed the end of the period, a transaction that happened but was never entered, one entered that is not on the statement, an amount with the wrong sign, a decimal point in the wrong place, an opening or closing figure copied from the wrong day, bank charges nobody recorded. It will not tell you which. It also points out arithmetic coincidences — if the difference is exactly one of your amounts, or exactly twice one of them, it names the line — and says plainly that those are facts about the numbers, not a diagnosis.
Will it ever adjust a figure to make it balance?
No. Not once, not by a rounding unit, not in any circumstance. Every figure in the report comes from a line you typed. If the two closing balances disagree they are both printed, with the difference between them, and the report says it does not know why. A tool that silently forced a reconciliation would turn a visible error into an invisible one, which is the single worst thing a money tool can do to the person relying on it.
Do the percentages add up to 100%?
Usually, and when they do not the report says so on the line underneath them. Each share is worked from the whole-unit amounts and rounded on its own to the nearest 0.01%, half away from zero; five or six of those rounded independently can add to 100.01% or 99.99%. The report prints what they actually add to rather than nudging one of them to hide it. The money itself is never rounded — the category totals add to the grand totals exactly, always.
What happens to a line it cannot read?
It is printed straight back to you, as you typed it, with the reason, under a heading that says it is in no total above. It is never dropped and never guessed at. If there is also a difference in the reconciliation, the report reminds you that any one of those unreadable lines could be the whole of it.
Does it understand my dates?
It does not read them at all, which is the point. A date is a label: it is printed back exactly as you typed it and is never parsed as a calendar date, never sorted and never compared. So 12 Apr, 12/04, 2026-04-12 and 'second Tuesday' all work equally well, and none of them is quietly misread as a different day than you meant.
Can I use it for something other than a club?
Yes. A residents' association, a school trip fund, a wedding kitty, a band, a small charity shop's takings, a project budget at work, a house share's shared account — anything where money went in and out of one pot over a period and somebody has to explain it. The categories are whatever you type, so the report is shaped like whatever you actually spend money on.
Is this a set of accounts?
No. These are not accounts prepared to any accounting standard, and they have not been audited or independently examined — the report says so on its own first line, not just here. It is arithmetic on the lines you pasted, set out so it can be checked. What a group has to send anyone, and when, differs from place to place and changes, so this tool names nobody and tells you nothing about it. It also says nothing about what you should hold, spend or set aside.
Does anything leave my device?
No. It runs entirely in your browser, with no network access of any kind. Nothing is uploaded, no bank connection is asked for, no account is created, and no money moves. Close the tab and it is gone.