Tools to

Get through the year end

Reconcile what can be reconciled, post the adjustments nobody does monthly, produce the statements, and file the pack somebody will ask for in two years.

23 tools · 22 free with no account · 1 free to try with one

Almost nothing that takes time at a year end is in the profit and loss. The profit and loss is a consequence — get the postings right and it falls out. The time goes on the balance sheet: the balances that have to be agreed against something outside the books, the invoice that belongs to the year just ended rather than the one that has started, and the machine bought in October that has had nothing charged against it yet.

Which is why the order matters more than the tools do. Agree the cash and the debtors first, because every later mistake is cheaper to find once those are fixed; then the adjustments; then the statements; then the figures the returns want. Each step here hands the next an ordinary spreadsheet you can open and read. That is deliberate: nothing passes between these tools that you cannot see and change.

1 · Agree what can be agreed

The balances that have to match something outside the ledger.

Bank Reconciliation — Free OnlineMatch a bank statement against the bank ledger from your books — Tally, Zoho, QuickBooks or a spreadsheet — and get the unmatched entries on each side, the matched pairs, and the closing balances explained. Runs in your browser; nothing is uploaded.Free Receivables Ageing & Payment Reminders — Free OnlineTurn a list of unpaid invoices into a proper ageing report — 0–30, 31–60, 61–90, over 90 days, by customer — and get a reminder letter for each debtor that names their invoices and their total, with the tone stepping up the longer it has been. Runs in your browser; your debtors list is not uploaded.Free GSTR-2B Reconciliation — Free OnlineMatch your purchase register against GSTR-2B — the portal’s JSON or Excel — and see which input tax credit is safe to claim, which suppliers have not filed, what is in 2B but not in your books, and where the tax amounts differ. Runs in your browser; nothing is uploaded.Free Merge & Dedupe Spreadsheets — Free OnlineCombine up to ten Excel or CSV files into one sheet — columns matched by heading, rows stacked — then remove duplicates on the columns you choose, with every removed row listed by source file and row. Runs in your browser; nothing is uploaded.Free

2 · The adjustments nobody posts monthly

Wear, timing, and the people who left during the year.

Depreciation Calculator with Schedule — Free OnlineStraight-line, reducing balance, sum-of-years and units of production, with a full year-by-year schedule.Free Loan Amortisation Schedule — Free OnlineFull payment-by-payment breakdown of principal, interest and remaining balance, with optional overpayments.Free Full & Final Settlement Calculator — Free OnlineWork out exactly what a leaving employee is owed: pro-rated salary for the final month, leave encashment, gratuity under the 15/26 formula with the rounding rule and the Rs 20 lakh cap, notice pay recovered or paid in lieu, reimbursements, advances, loans and asset recovery — then download a signable settlement statement as PDF and the working as a spreadsheet. Runs in your browser; nothing is uploaded.Free True Cost of an Employee Calculator — Free OnlineWork out what an employee really costs after employer NI, pension, holiday and overheads.Free

3 · Close the books and read them

Trial balance, statements, and what the year actually looks like.

Bookkeeping: Trial Balance, P&L and Balance Sheet — Free OnlineBring a bank statement, a sales day book or a set of journals into a real double-entry ledger and get the trial balance, profit and loss, balance sheet, VAT or GST figures and every account’s ledger back. Charts of accounts for the UK and India. Runs in your browser — a client’s books are never uploaded.Free Financial Ratio Calculator — Free OnlineLiquidity, profitability, efficiency and leverage ratios from balance sheet and P&L figures.Free Profit Margin & Markup Calculator — Free OnlineWork out margin, markup, cost or selling price from any two of them. Margin and markup are not the same thing.Free CAGR Calculator (Compound Annual Growth Rate)Calculate the smoothed annual growth rate between two values, and project it forward.Free NPV & IRR Calculator (Discounted Cash Flow)Value a project with net present value, internal rate of return and discounted payback.Free

4 · The returns and the tax

The figures each form wants, with every row behind them showing.

VAT Return from a Spreadsheet (the nine boxes) — Free OnlineTurn a spreadsheet of sales and purchases into the nine boxes of a UK VAT return — standard accrual, cash accounting or the flat rate scheme — with every box opened up to show the rows behind it, and the sheet checked for net-plus-VAT that does not equal gross, duplicate invoice numbers and rows outside the period. It computes the figures; it does not file them. Runs entirely in your browser.Free MTD Quarterly Update Builder — Free OnlineTurn the income and expense spreadsheet you already keep into the figures a Making Tax Digital quarterly update asks for. It maps your own category names onto the standard self-employment or property headings, cuts the tax year into its four quarterly periods - standard or calendar - and gives the cumulative year-to-date total alongside the standalone quarter, with every unmatched row listed by name. It produces the figures; filing them needs software HMRC has recognised. Runs in your browser.Free Advance Tax Calculator — Free OnlineQuarterly advance tax instalments and the interest payable under Sections 234B and 234C if you underpay.Free Income Tax Calculator (New vs Old Regime)Compare tax under both regimes for FY 2026-27, including rebate, surcharge, cess and marginal relief.Free Form 16 Reader (Salary, Deductions & TDS) — AI for BusinessDrop a Form 16 — the PDF your employer or TRACES gives — and get the salary, exempt allowances, Chapter VI-A deductions, quarterly TDS and the tax computed back as fields you can check against your return, with a list of what to verify before you file.Free to try

5 · File the evidence

The pack you will be asked for long after you have forgotten the year.

QuickBooks / Zoho Books / Tally Converter — Free OnlineMove journals and invoices between QuickBooks, Zoho Books and Tally: a QuickBooks or Zoho journal CSV becomes Tally vouchers, a Zoho invoice export becomes Tally sales vouchers, and a Tally day-book export becomes the journal CSV QuickBooks or Zoho imports. Every voucher is checked to balance. Runs in your browser.Free Excel / CSV to Tally Converter — Free OnlineTurn a spreadsheet of sales, purchases, receipts and payments into Tally import XML — vouchers, party ledgers and stock items — and bring Tally’s exported XML back into Excel. Runs in your browser; nothing is uploaded.Free Merge PDF Files — Free & PrivateCombine several PDFs into one, in any order, without uploading anything.Free Add Page Numbers to PDF — Free & PrivateStamp page numbers, headers or footers onto an existing PDF.Free Add a Signature to a PDF — Free OnlineDraw or type a signature onto a PDF and place it where you want. A visible signature, not a cryptographic one — the difference is explained below.Free

Frequently asked questions

Where does the trial balance come from?

From the bookkeeping tool, which is a real double-entry ledger rather than a spreadsheet with subtotals: every posting has two sides, so the trial balance agrees by construction and a difference means a posting is wrong rather than a sum. The profit and loss and the balance sheet come out of the same book, and any figure on them can be followed back to the entries that made it.

Which depreciation method does it use?

Straight line, reducing balance, sum of years’ digits or units of production, on the cost, life and residual you give it, with the schedule laid out year by year. It is the accounting charge and nothing more: for UK corporation tax depreciation is added back and replaced by capital allowances, which is a separate computation the page points you at rather than guesses.

Can I hand this to an accountant?

That is what the converters are for. The bookkeeping tool writes the whole book to a file you keep, the statements come out as spreadsheets, and the Tally and package converters move a day book between the shapes different software expects. Nothing ends up in a format only this site can read.