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Wiki/Finance/Reconcile a loan balance

Reconcile a loan balance

When the remaining balance disagrees with the lender, find the missing split instead of overwriting the number.

Owner workspace · Finance · 4 min

Before you start

Open the latest lender statement next to the payment history in Finance.

Reconcile a loan balance

Compare, do not overwrite

Line up dates. A missing payment or a swapped interest/principal split is the usual cause.

Fix the line, then the balance

Correct the payment that is wrong. The remaining balance should follow. If you type a new balance with no story, you will do this again next month.

Still stuck

Leave the exception visible and continue the weekly rhythm. An unexplained overwrite is how the file goes quiet and wrong.

What you should see

Finance

Apartment loans

ApartmentOriginalPaymentsInterestPrincipalRemaining
Pilies 8 · Apt 12€186,000€24,180€16,420€7,760€178,240
Naujoji 12 · 2€242,000€31,050€21,100€9,950€232,050
Live workspace proof — apartment loans