Reconciliation

reconcile_account compares an account with the balance your bank shows. The comparison is a pure computation on the account’s transactions (reconcile.analyse); it writes nothing.

The comparison

Only the account’s transactions that are not deleted count.

Quantity	Definition
cleared balance	sum of transactions whose status is cleared or reconciled
working balance	sum of all transactions
difference	bank balance − cleared balance
to reconcile	transactions cleared but not yet reconciled
uncleared	transactions the bank has not shown yet (up to 50 listed)

Everything is summed in milliunits. A negative difference means YNAB counts more money than the bank — typically a duplicate or a refund that never came; a positive one, less — typically a fee or an income not imported.

Explaining a gap

Lead	Rule
explained_by	uncleared transactions whose amount equals the difference exactly: clearing one closes the gap
possible_duplicates	pairs with the same amount and the same normalised merchant, dated at most 3 days apart, among the last 60 days of transactions
uncleared	what the bank has not shown yet, for the agent to check with you

The 60-day window keeps old, legitimate lookalikes — two nights at the same hotel last winter — out of the answer.

Outcomes

Situation	status	Written
balances differ, no adjust	difference_found	nothing, and nothing asked
balances match, nothing left to reconcile	nothing_to_do	nothing
balances match	confirmation_required, then applied	cleared → reconciled
balances differ, adjust=true	confirmation_required, then applied	an adjustment, then cleared → reconciled

Applying

Once confirmed:

1. With adjust=true and a difference, one transaction is created on the account: payee Balance adjustment, dated today, amount = the difference, category Inflow: Ready to Assign, memo Entered by reconcile_account, cleared and approved.
2. The cleared transactions shown in the preview — and the adjustment — are set to reconciled, in one bulk request. The confirmation covers exactly those transactions: one cleared after the preview changes what is confirmed, and a new preview is needed.
3. The operation is journaled with the reconciled ids and the adjustment id.

undo_operation sets them back to cleared and deletes the adjustment.