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Compare the Top Free Reconciliation Software as of October 2025

What is Free Reconciliation Software?

Reconciliation software automates the process of matching and verifying financial transactions across accounts, systems, and statements to ensure accuracy and consistency. It helps identify discrepancies, errors, or fraud by comparing data such as bank statements, invoices, payments, and general ledger entries. The software often includes features like automated matching rules, exception handling, audit trails, and reporting to streamline reconciliation workflows. By reducing manual effort and improving accuracy, reconciliation software enhances financial control, compliance, and audit readiness. It is widely used by finance teams in banking, accounting, and corporate environments to maintain trustworthy financial records. Compare and read user reviews of the best Free Reconciliation software currently available using the table below. This list is updated regularly.

  • 1
    Melio

    Melio

    Melio

    Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.
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    Starting Price: Free
  • 2
    Upflow

    Upflow

    Upflow

    Upflow helps B2B companies around the world unlock owed cash reserves with cutting-edge AR technology. Join thousands of finance leaders achieving cash collection excellence with Upflow. We seamlessly integrate with your accounting stack in just a few clicks to help you better manage your Accounts Receivables and gain instant real-time insights through our comprehensive analytics to drive effective cash collection efforts.
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    Starting Price: Free to Start
  • 3
    Fyle

    Fyle

    Fyle

    Fyle is a credit card spend management platform for Finance teams and employees to easily track expenses, reconcile corporate card transactions for business credit cards, and integrate seamlessly with accounting platforms, saving hours of time and manual effort. What else does Fyle do? - Fyle does credit card reconciliations in real-time for business credit cards powered by Visa and Mastercard. Fyle sends a text for every new transaction, and employees just need to reply with a picture of the receipt to be reconciled automatically. - Direct integration with American Express cards to automate reconciliation. Issue unlimited Amex virtual cards. - With Fyle, admins can set up approval workflows across projects, locations, departments, and cost centers. - Fyle integrates with major accounting platforms NetSuite, Sage Intacct, QuickBooks, and Xero with just the login credentials making accounting seamless
    Starting Price: $11.99/month/user
  • 4
    Express Accounts

    Express Accounts

    NCH Software

    Accounting software for small business that makes bookkeeping simple and easy. Document incoming and outgoing cash flow including sales, receipts, payments and purchases. See how your business is doing with real time balances and reports. Fax or email your accountant directly. Prepare your tax returns quickly with your financial reports. Secure remote/mobile access.
    Starting Price: $79.99/one-time
  • 5
    ZarMoney

    ZarMoney

    ZarMoney

    ZarMoney is a cloud-based accounting solution that helps businesses of all sizes who are looking for accounting software that provides all the features a business needs, without the costly monthly fees it includes features such as Advanced Inventory Management, Billing and Invoicing, Accounts Payable Automation, Accounts Receivable Automation, and more… Start your FREE trial today!
    Starting Price: $15 per user monthly
  • 6
    HostBooks

    HostBooks

    HostBooks, Inc.

    HostBooks transforms and enriches your accounting experience through its structured and automated cloud-based accounting platform. We help you effectively manage your business finances by combining the usual accounting practices with cutting-edge technology. Be it receivables, payouts, inventories or bank reconciliations, HostBooks cuts down the compliance time, boosts up your productivity, and reduces the operational costs.
    Starting Price: $9.99.00/month
  • 7
    Khaos Control Cloud

    Khaos Control Cloud

    Khaos Control

    Streamline your business's stock control, order processing, CRM, and accounting with Khaos Control Cloud, a cloud-based enterprise resource management (ERP) solution. From stock control, multichannel order processing to integrated ICAEW accredited accounting, our system puts businesses in control, by delivering laser-focused clarity. Khaos Control Cloud is suitable for SME's across all industries and is designed to work on-the-go from both desktop and mobile devices. Simple and informative, the system features sales functionalities that enable users to track stock levels across multiple sites, manage promotions, and more.
    Starting Price: £40.00/month/user
  • 8
    Regate

    Regate

    Regate

    Regate automates your financial and accounting management and saves you time on a daily basis. 100% integrated with your accounting software, you benefit from real-time accounting that is always up to date. Regate has been designed to reduce the number of tools and save time for accountants and finance managers. Regate provides an intelligent, collaborative platform that makes your day-to-day accounting easier, understands, automates, and gives you greater control over your business. Save 90% of your invoice and payment processing time. Generate the right accounting entries and automate the retrieval of your receipts. Pay by SEPA transfer or directly by card, without ever connecting to your bank. Reconcile cost management and accounting monitoring on the same platform. Benefit from a unified and real-time view of all your accounting. Equip your teams with virtual and physical cards adapted to each need and follow all their operations in Regate.
    Starting Price: Free
  • 9
    ReconXi

    ReconXi

    ReconXi

    ​ReconXi is an AI-powered financial reconciliation tool designed to automate the process of matching transactions, eliminating the need for manual effort and reducing errors. Users can upload bank statements and company ledgers in CSV format, and the AI swiftly matches records, providing clear status indicators for matched and unmatched transactions. It caters to a diverse range of users, including startups, small and medium-sized enterprises (SMEs), financial professionals, enterprises, educational institutions, and freelancers, offering tailored solutions to streamline financial operations. By leveraging ReconXi, organizations can ensure accurate financial records, minimize manual work, and focus on core activities without the hassle of traditional reconciliation processes. ​
    Starting Price: $10 per month
  • 10
    OneStream

    OneStream

    OneStream Software

    Our intelligent finance platform allows you to break away from the limitations of spreadsheets and legacy applications. Unify financial consolidation, planning, reporting and analysis through a single, extensible platform. Conquer the complexity of financial close, consolidation, planning, reporting and analysis. OneStream supports corporate standards while also satisfying more detailed line of business planning and reporting requirements, all in a single, unified application. Enables teams to apply trusted financial intelligence to large volumes of operational data to detect trends and financial signals that drive informed decision-making at the speed of business. Accelerate time to value with OneStream’s built-in understanding of accounts, currencies, ownership and intercompany activity. Replace multiple legacy systems or cloud point solutions with a unified application.
  • 11
    Numeric

    Numeric

    Numeric

    With Numeric, leading teams organize their close, streamline reconciliations, and leverage AI for auto-drafted flux analysis and lightning-fast reporting. Centralize and streamline the month-end close with recurring workflows and collaboration tools. Numeric is built to enable you to move as fast as possible. Streamline the month-end close with recurring workflows and automation built for speed and control. Track and manage your whole close from one place, including journal entries, reconciliations, flux analysis, review notes, tasks, and subtasks. Set tasks to recur at any frequency, monthly, quarterly, annually, or on a custom cadence, so you always have the right checklist at the right time. View and resolve comments, get updates, perform reviews, and more from one dedicated place. Use rich-text procedures, pinned links, and more to document the details, so all the information is in one place.
  • 12
    Kosh.ai

    Kosh.ai

    Kosh.ai

    Kosh AI is an innovative reconciliation automation software designed to simplify and optimize complex financial tasks. With its AI-driven automation, Kosh AI excels in bank reconciliation, treasury management, and streamlining reconciliation processes. The software integrates seamlessly with your existing systems, automating routine tasks, reducing manual errors, and providing real-time insights to enhance decision-making. By offering a customizable, user-friendly platform, Kosh AI helps businesses of all sizes improve accuracy, save time, and reduce costs. Whether you're managing multiple bank accounts or overseeing treasury operations, Kosh AI ensures efficiency, reliability, and scalability, making financial management smarter and more strategic. Unlock the full potential of your financial operations—get started with Kosh AI today and experience a more efficient, automated way to manage your finances!
  • 13
    Taxilla

    Taxilla

    Taxilla

    Taxilla is an e-invoice software designed to streamline electronic invoicing and ensure compliance with government regulations. It automates the creation of standardized e-invoices, reducing errors and ensuring regulatory adherence. Key features include bulk processing, real-time validation, and immediate acknowledgment from tax authorities. Taxilla integrates seamlessly with ERP systems, minimizing manual data entry and ensuring accurate data flow. Its secure data handling includes robust encryption and secure archiving for easy retrieval. The user-friendly interface and customizable dashboards make it accessible for users with minimal training. Benefits include enhanced efficiency through automation, regulatory compliance, seamless ERP integration, real-time processing, and strong data security. Taxilla also offers comprehensive customer support and training programs to help users maximize its functionality.
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