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month-end-close

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Original

English
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Translation

Chinese

Month-End Close

月度结账

Overview

概述

A structured checklist for closing your books each month. Ensures all transactions are categorized, anomalies are reviewed, accounts reconcile, and reports are generated before moving on.
一份用于每月完成记账结账的结构化核对清单。确保所有交易已分类、异常已审核、账户已对账，并在进入下一阶段前生成报告。

Wilson Tools Used

使用的Wilson工具

  • anomaly_detect
    — find uncategorized transactions, duplicate entries, and unusual amounts that need review
  • spending_summary
    — generate the monthly summary for reconciliation against bank statements
  • categorize
    — apply categories to any uncategorized transactions found during close
  • transaction_search
    — pull the full month of transactions for review
  • anomaly_detect
    — 查找未分类交易、重复记录以及需要审核的异常金额
  • spending_summary
    — 生成月度汇总，用于与银行对账单对账
  • categorize
    — 为结账过程中发现的未分类交易分配类别
  • transaction_search
    — 获取整月交易记录以供审核

Workflow

工作流程

  1. Ask which month is being closed (defaults to previous month).
  2. Run the close checklist in order:
Step 1: Pull all transactions Use 
transaction_search
for the full month to get the complete transaction set.
Step 2: Find uncategorized transactions Use 
anomaly_detect
to identify transactions without categories. Report the count and total dollar amount uncategorized.
Step 3: Categorize outstanding items Use 
categorize
to assign categories to uncategorized transactions. Ask the user to confirm any ambiguous ones.
Step 4: Detect anomalies Use 
anomaly_detect
to flag duplicates, unusually large transactions, and amounts that deviate significantly from patterns.
Step 5: Generate monthly summary Use 
spending_summary
for the month. Compare totals against the bank statement ending balance.
Step 6: Reconciliation check Present the reconciliation:
MONTH-END CLOSE — [Month Year]
═══════════════════════════════════════
Checklist                        Status
───────────────────────────────────────
Transactions imported            ✓ 247 transactions
Uncategorized resolved           ✓ 0 remaining
Anomalies reviewed               ✓ 3 flagged, 3 resolved
Duplicates checked               ✓ None found

RECONCILIATION
Bank Statement Ending Balance    $XX,XXX
Wilson Calculated Balance        $XX,XXX
Difference                            $0
Status                           RECONCILED

MONTHLY SUMMARY
Total Income                     $XX,XXX
Total Expenses                  ($XX,XXX)
Net Income                        $X,XXX
═══════════════════════════════════════
Step 7: Archive Confirm the month is closed. Recommend exporting a PDF or CSV snapshot for records.
  1. 询问要结账的月份（默认是上月）。
  2. 按顺序执行结账核对清单：
步骤1：提取所有交易记录 使用
transaction_search
获取整月交易记录，得到完整的交易数据集。
步骤2：查找未分类交易 使用
anomaly_detect
识别未分配类别的交易。报告未分类交易的数量和总金额。
步骤3：分类未处理项 使用
categorize
为未分类交易分配类别。对于模糊不清的交易，请求用户确认。
步骤4：检测异常 使用
anomaly_detect
标记重复记录、异常大额交易以及与模式显著偏离的金额。
步骤5：生成月度汇总 使用
spending_summary
生成当月汇总。将总计与银行对账单的期末余额进行比对。
步骤6：对账检查 展示对账结果：
MONTH-END CLOSE — [Month Year]
═══════════════════════════════════════
Checklist                        Status
───────────────────────────────────────
Transactions imported            ✓ 247 transactions
Uncategorized resolved           ✓ 0 remaining
Anomalies reviewed               ✓ 3 flagged, 3 resolved
Duplicates checked               ✓ None found

RECONCILIATION
Bank Statement Ending Balance    $XX,XXX
Wilson Calculated Balance        $XX,XXX
Difference                            $0
Status                           RECONCILED

MONTHLY SUMMARY
Total Income                     $XX,XXX
Total Expenses                  ($XX,XXX)
Net Income                        $X,XXX
═══════════════════════════════════════
步骤7：归档 确认月份已结账。建议导出PDF或CSV快照作为记录。

Without Wilson

无Wilson工具的操作流程

  1. Download your bank statement PDF for the month (Chase: Statements & Documents; Amex: Statements; most banks: Settings > Documents > Statements).
  2. Export the month's transactions as CSV from your bank.
  3. Open the CSV in a spreadsheet. Check for blank categories — filter the Category column for blanks.
  4. Manually categorize each blank row.
  5. Check for duplicates: sort by Amount, then by Date, and look for identical rows.
  6. Sum all transactions: 
    =SUM(Amount)
    . Compare to the net change on your bank statement (ending balance minus starting balance).
  7. If there is a difference, sort by date and compare line-by-line against the bank statement PDF.
  8. Common discrepancies: pending transactions that posted the next month, bank fees not yet downloaded, or split transactions.
  9. Save the reconciled spreadsheet with the naming convention: 
    YYYY-MM-close.xlsx
    (e.g., 
    2026-03-close.xlsx
    ).
  1. 下载当月银行对账单PDF（大通银行：对账单与文档；美国运通：对账单；多数银行：设置 > 文档 > 对账单）。
  2. 将当月交易记录从银行导出为CSV格式。
  3. 在电子表格中打开CSV文件。检查空白类别——筛选“类别”列查找空白项。
  4. 手动为每一行空白项分类。
  5. 检查重复记录：按金额排序，再按日期排序，查找完全相同的行。
  6. 汇总所有交易：
    =SUM(Amount)
    。将结果与银行对账单的净变化（期末余额减去期初余额）进行比对。
  7. 如果存在差异，按日期排序并逐行与银行对账单PDF比对。
  8. 常见差异：次月才入账的待处理交易、尚未下载的银行手续费，或拆分交易。
  9. 保存已对账的电子表格，命名格式为：
    YYYY-MM-close.xlsx
    （例如：
    2026-03-close.xlsx
    ）。

Important Notes

重要提示

  • Close the books within the first 5 business days of the following month while transactions are fresh.
  • The reconciliation step is critical. If Wilson's total and your bank statement do not match, do not skip it. Track down every dollar of difference.
  • Keep a running list of recurring items that need manual attention each month (owner draws, transfers between accounts, reimbursements).
  • If you have multiple bank accounts or credit cards, close each one separately, then do a combined summary.
  • 在次月前5个工作日内完成记账结账，此时交易记录仍清晰可忆。
  • 对账步骤至关重要。如果Wilson计算的总额与银行对账单不符，请勿跳过此步骤。务必查明每一分钱的差异。
  • 记录每月需要手动处理的经常性项目（所有者提款、账户间转账、报销等）。
  • 若拥有多个银行账户或信用卡，分别为每个账户结账，然后生成合并汇总。