This is where bank reconciliations come in.
When you enter a bank transaction into your file, you don't set the cleared 
flag (yet).
When you receive your bank statement, you go through it and for each line 
in  the bank statement that matches an entry in your ledger file, you set 
the cleared flag. You also enter (and clear) any lines in the bank 
statement (interest, fees etc) that are not already in your ledger file. If 
you then run your report on the ledger file with the -C option set, all of 
the transactions listed should match those in the bank statement and the 
two totals should match.
By running the report with the -U option set, you should see all of the 
transactions that have not yet been processed by the bank.

On Friday, May 17, 2024 at 3:04:28 AM UTC+8 oliver wrote:

> I am embarrrassed to have to ask for help with this.  Unfortunately, my 
> math skill are non-existant.
>
> I start with savings account equty of $1,348.50. After several months of 
> transactions, ledger balance gives me minus (-) $235.46. According to my 
> bank the balance is $1,828.79.
>
> What adjustment to I have to enter in order for ledger balance to match 
> bank balance and how does one figure that out?
>
> Thamk you
>
>

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