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Top Rated Budgeting Software with Bank Reconciliation in 2026

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All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: February 2026

Bank reconciliation simplifies the process of matching financial records with bank statements, reduces manual data entry, and minimizes errors. It provides an accurate view of transactions, aiding in financial planning and ensuring up-to-date financial records. Our reviewers in budgeting software rated this feature as highly important.

5 Best Budgeting Software with Bank Reconciliation

Product
User rating
Starting price
Xero logo
4.4
(3.2K)
25
flat rate/per month
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NetSuite logo
4.2
(1.7K)
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No pricing info

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Sage Intacct logo
4.3
(591)
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No pricing info

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QuickBooks Online Advanced logo
4.4
(1K)
235
flat rate/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Budgeting products with bank reconciliation

How we picked the 5 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Budgeting software category. They also needed to have sufficient reviews about bank reconciliation, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for bank reconciliation, and Highly rated for free version. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 5 best products

Xero logo

Xero

Reviews Sentiment
 
 
 
1-2(157)
3-4(1,150)
5(1,943)
Key Features
Reporting/Analytics4.5
Data Import/Export4.4

User insights about the bank reconciliation feature

Reviewers highlight Xero's bank reconciliation feature as efficient and user-friendly, with automatic bank feeds and smart transaction matching. They appreciate the time-saving AI functionality and the ease of identifying discrepancies. Users also value the integration with other software like Buildxact, though some report occasional issues with bank feed connections.
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“Xero makes it a lot easier to recognise and reconcile payments received or made. Since we use Buildxact as well, every single expense from each project generates a bill that gets reconciled once the payment is made and the same happens with the invoices sent.”
MM

Marcos M.

Manager

“Xero's 'Bank Reconciliation' ensures financial accuracy with daily checks, smart suggestions, and quick bulk processing. It empowers your workflow, saving valuable time.”
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Anna F.

Administrator

Starting price
25flat rate /
per month
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Pros and Cons based on 3,250 verified reviews
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Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details
NetSuite logo

NetSuite

Reviews Sentiment
 
 
 
1-2(92)
3-4(906)
5(793)
Key Features
Reporting/Analytics4.1
Data Import/Export3.9

User insights about the bank reconciliation feature

Reviewers appreciate NetSuite's bank reconciliation feature for its automation and integration with other financial applications. They find the process efficient, with easy transaction matching and the ability to reconcile accounts from a central dashboard. However, some users report challenges with implementation and the need for third-party tools for full functionality.
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“This is very helpful to avoid manual reconciliations in excel. Having automatic matching or upload of transactions for each reconciliation would be best option.”
EG

Emma G.

Senior Accounting Manager

“Automated transaction matching speeds up the reconciliation process for recurring transactions.”
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Rob B.

President

Starting price
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No pricing info

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Pros and Cons based on 1,791 verified reviews
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Cloud-based accessibility

Efficient inventory management

Flexible customization options

Customizable and informative dashboards

Convenient web access

Slow performance speed

Prohibitive pricing for small businesses

Challenging implementation process

Inadequate customer support

Inefficient sales management

See pros and cons details
Sage Intacct logo

Sage Intacct

Reviews Sentiment
 
 
 
1-2(22)
3-4(299)
5(270)
Key Features
Reporting/Analytics4.6
Data Import/Export4.4

User insights about the bank reconciliation feature

Reviewers find Sage Intacct's bank reconciliation feature functional and easy to use, with good automation and the ability to upload bank statements for auto-matching. They appreciate the time-saving aspects and the clear, detailed reporting. Some users mention that the process can be difficult to understand initially, but overall, it simplifies the reconciliation process.
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“I like that Sage Intacct's Bank Reconciliation feature helps automate the process of reconciling an organization's bank accounts. It can quickly identify and detect any discrepancies between the company's bank account and the company's general ledger. This allows an organization to quickly resolve any issues and keep its financials up to date.”
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Devendra K.

Manager

“I like that I can upload the bank statement and Sage auto matches as much as it can for the month. Saving me time.”
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Marlene A.

Director of Finance and Systems

Starting price
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No pricing info

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Pros and Cons based on 591 verified reviews
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Cloud-based flexibility

Comprehensive dashboard features

Scalable for business growth

Challenges in issue resolution

High costs and complex pricing

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QuickBooks Online Advanced logo
Reviews Sentiment
 
 
 
1-2(40)
3-4(369)
5(626)
Key Features
Reporting/Analytics4.6
Data Import/Export4.1

User insights about the bank reconciliation feature

Reviewers indicate that QuickBooks Online Advanced simplifies the bank reconciliation process with easy integration to bank accounts and intuitive navigation. They find the automated matching of transactions and the ability to save mid-process particularly helpful. Users appreciate the time-saving features and the smart detection of missing transactions, though some mention occasional reliability issues.
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“QuickBooks Online Advanced offers features and tools to simplify the bank reconciliation process. It allows me import bank transactions, match them with internal records, and reconcile discrepancies efficiently”
EA

Edwin A.

Accountant

“This is one of my favourite features, it works directly with our bank to retrieve the information and helps to decrease the time and effort for each bank reconciliation ”
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Veronica N.

Consultant Manager

Starting price
235flat rate /
per month
Pros and Cons based on 1,035 verified reviews
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Convenient remote access

Efficient bookkeeping

Comprehensive tracking features

Robust financial management

Organized multi-entity management

Challenging issue resolution

Limited desktop version compatibility

High costs and confusing pricing

Inconsistent customer service

Subpar mobile accessibility

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QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(454)
3-4(3,126)
5(4,748)
Key Features
Reporting/Analytics4.5
Data Import/Export4.4

User insights about the bank reconciliation feature

Users appreciate QuickBooks Online's bank reconciliation feature for its ease of use and integration with bank accounts. They find the automatic transaction matching and categorization helpful, though some experience connection issues and occasional duplication problems. Reviewers mention the feature's importance for maintaining accurate financial records and its user-friendly interface.
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“Quickbooks Online can be linked to your bank to help speed up bank reconciliation - cleared payments and deposits within the time period get automatically selected for you to review and verify.”
TS

Tracey S.

Treasurer

“QuickBooks Online makes it easy to reconcile bank accounts by automatically syncing with your bank accounts and categorizing transactions. This helps businesses ensure that their financial records are accurate and up-to-date.”
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Elisabetta B.

Ecommerce Manager

Starting price
38flat rate /
per month
Pros and Cons based on 8,328 verified reviews
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Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Other Top Rated Budgeting Software with Bank Reconciliation in 2026

CCH Tagetik logo

CCH Tagetik

Cloud-based & on-premise CPM solution for financial planning

visit website
CCH Tagetik is a unified Corporate Performance Management software platform for finance budgeting, planning, dashboard-based insight reporting & data visualization

Read more about CCH Tagetik

Users also considered
QuickBooks Online logo
Category Leaders

Accounting and business management software

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

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Xero logo
Category Leaders

Cloud-based accounting software for small businesses

Use Xero's Budget Manager to prepare budgets and compare against performance for selected periods. Create an overall budget as well as multiple sub-budgets.

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QuickBooks Online Advanced logo

Accounting & business management for small businesses

Advanced budgeting tools for precise planning, real-time tracking, and actionable insights to support strategic financial decisions.

Read more about QuickBooks Online Advanced

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NetSuite logo

AI-powered cloud-based business management suite

NetSuite Planning and Budgeting enables quick adoption of world-class financial planning and budgeting across lines of business with flexible and customizable deployment options. It facilitates organization-wide business budgeting and planning needs.

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Precoro logo

Procurement Software That Centralizes, Automates, and Drives

Precoro's all-in-one Spend Management software helps Small and Mid-size businesses to track spends against their budgets.

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Sage Intacct logo
Category Leaders

Best-in-class Cloud ERP for Finance

Sage Intacct is a leading provider of best-in-class cloud ERP software, and is the preferred cloud financial management applications for the AICPA.

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Syft Analytics logo

The interactive & collaborative financial reporting tool.

Syft Analytics is the financial reporting and data analytics software that helps growing businesses understand their financial data.

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SAP S/4HANA Cloud logo
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A complete, intelligent ERP system for enterprises.

SAP S/4HANA Cloud is a cloud-based intelligent ERP system specifically developed for companies in all industries offering them a broad and flexible functionality.

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Sage Accounting logo

Accounting software for small businesses

Sage Accounting is an accounting system for small business owners. It has features to help users forecast their cashflow, send and track invoices and act on real-time reporting. Users can manage their business from anywhere, at any time, from the cloud and with mobile functionality. Sage Accounting application is available for iOS and Android.

Read more about Sage Accounting

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MoneyMinder logo

Simple accounting software for volunteers.

Simple nonprofit accounting software for volunteer-based groups (PTAs, PTOs, Booster Clubs, Sports Teams, Scouts, Service Clubs, etc.)

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Workday Adaptive Planning logo

Enterprise planning software for agile budgeting & reporting

Workday Adaptive Planning is an enterprise planning software that helps finance create budgets and forecasts with more speed, flexibility, collaboration, and accuracy. With unlimited scenario analysis backed by machine learning, you can quickly answer complex questions and gain real-time insights.

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Deltek Vision logo

Project management tool for professional services managers.

Deltek Vision is a project management solution, which helps businesses in the professional services sector manage customer relationship management (CRM), project planning, document tracking, resource planning, payroll processes, and more. It improves project profitability and streamlines client relationships by managing the complete lifecycle of a project, from identifying opportunities to estimating costs.

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Phocas logo
Category Leaders

Business intelligence, financial reporting & sales analytics

Phocas delivers cloud-based BI and FP&A solutions for mid-market distribution, manufacturing and retail businesses. Seamlessly integrating with ERP systems, it simplifies data analysis, streamlines financial planning, and empowers teams to uncover insights, forecast accurately, and drive growth.

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Yooz logo

AI-powered accounts payable automation platform

Yooz's budget function is an integrated value-added product offering within Yooz, which provides financial decision-makers with a solution to automate and secure their financial processes. Accessing real-time budget statuses allows management to enhance processes and make well-informed decisions.

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FreeAgent logo

FreeAgent has been voted the UK's #1 accounting software.

Manage project profitability by tracking billable and non-billable time, bills, expenses and payments for each project.

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Sage 100 logo

Enterprise resource planning software

Sage 100 is a customizable business management solution that helps businesses automate financials, operations, and payroll, providing complete visibility into the operations. Sage 100 grows with the business, allowing teams to scale and meet specific needs as a small or medium-sized enterprise.

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Vena logo

Microsoft Excel-based FP&A software

Shorten budget cycles, streamline financial reporting and get the insights you need to plan with confidence, all in one flexible and easy-to-use platform.

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Reckon One logo

All small and medium-sized businesses.

Easy to use online accounting software for small businesses. Plans start at just $24 per month.

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Prophix One logo
Category Leaders

Automate & streamline corporate performance management

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Lucanet logo
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Lucanet empowers the office of the CFO to lead with ease.

LucaNet delivers data transparency across the entire organization and provides the perfect platform for consolidated financial statements, financial planning, and reporting that are trustworthy and error-free.

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Sage 50 Accounting logo

Cloud-based accounting tool for small and midsized business

Sage 50 Accounting is an online accounting solution for SMBs with Office 365 integration that helps manage accounting, invoicing, cash flow, inventory, taxes, and more.

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Kashoo logo

Online accounting software for small businesses

Kashoo is simple cloud accounting for small business owners who want the control and simplicity of doing their own books. It provides small business owners with the ability to run their business the way they want to, with tools for invoice management, payment processing, reporting, and more.

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OneStream logo

Corporate performance management solution for enterprises

OneStream is a unified corporate performance management (CPM) solution which enables businesses to manage their financial reporting, budgeting & forecasting

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Agicap logo

Manage your cashflow with ease

Agicap is a software solution for running the cash flow side of your business, offering reliable forecasting and real-time analysis.

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Key features for Budgeting software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Reporting/Analytics: Reviewers value the ability to quickly create and customize detailed reports, access real-time data, and utilize AI features for insightful analysis. 98% of reviewers rated this feature as important or highly important.
  • Data Import/Export: Users appreciate easy and fast importing/exporting of data, integration with various systems, and the ability to handle multiple data sources efficiently. 96% of reviewers rated this feature as important or highly important.
  • Profit/Loss Statement: Users highlight the usefulness of generating real-time P&L statements, customizing reports, and comparing different time periods for informed financial decisions. 95% of reviewers rated this feature as important or highly important.
  • Income & Balance Sheet: Reviewers emphasize the comprehensive overview these statements provide, aiding in tracking financial performance and making informed business decisions. 94% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users find invoicing and billing customizable, easy to track, and integrated with other systems, improving accuracy and efficiency in financial processes. 92% of reviewers rated this feature as important or highly important.
  • General Ledger: Reviewers appreciate the detailed tracking of all financial transactions, customizable chart of accounts, and the ease of generating and analyzing financial reports. 91% of reviewers rated this feature as important or highly important.