Accounting export analyzer
Ledger and day book exports from the usual accounting systems, read into rows you can check against the bank.
Accounting software is good at holding a ledger and much less good at letting you interrogate it next to everything else. Karchu reads the export instead: a day book from Tally, a general ledger from QuickBooks, a bank transactions CSV from Xero, a Zoho Books or Sage export, and turns it into the same structured rows a statement produces, so ledger and bank can sit side by side.
Systems Karchu recognises
| System | Typical export |
|---|---|
| Tally | Day book and ledger exports, often with Dr and Cr suffixes and lakh grouping |
| QuickBooks | General ledger and transaction list CSVs with separate debit and credit columns |
| Xero | Bank transaction and account transaction exports with reference and contact columns |
| Zoho Books | Ledger exports carrying invoice numbers and customer or vendor names |
| Sage | Nominal activity exports with account codes and narratives |
What Karchu does with them
- Maps date, description, amount, debit and credit, balance, counterparty, reference and tax columns to a single shape.
- Splits a multi sheet workbook into separate documents when each sheet is a different account.
- Skips report headers, subtotal rows and footers so a total line is never counted as a transaction.
- Detects transfers between your own accounts so they do not inflate income and spend.
- Feeds the pay in and pay out report, and the standard dashboard and insights views.
Checking the ledger against the bank
- Export the ledger for the period from your accounting system.
- Download the bank statement covering the same dates.
- Upload both.
- Compare totals by month, then by counterparty.
- Work through the differences: unpresented payments, entries posted to the wrong month, duplicates from a re import, and fees that never made it into the ledger at all.
That last one is common. Processor fees deducted before a deposit rarely reach the ledger unless someone enters them, which is exactly why the payout report is worth reading alongside.
Limits worth knowing
Karchu reads exports, not live systems, so the picture is as current as the file you uploaded. It does not replicate double entry, does not track account codes as a chart of accounts, and does not post journals. It is an analysis and reconciliation layer, not a second set of books.
Related pages
- Business document analyzer
- CSV and spreadsheet statement converter
- Bank reconciliation guide
- Small business bookkeeping
Frequently asked questions
- Which accounting exports are recognised?
- Tally day book and ledger exports, QuickBooks, Xero, Zoho Books and Sage. Recognised formats get an exact column mapping, and unrecognised exports still parse through the general header matching.
- Does Karchu write anything back into my accounting system?
- No. Karchu reads files you upload and produces its own structured rows, reports and exports. Nothing is posted back into your ledger, so there is no risk of it changing your books.
- Why analyse an export instead of using the software's own reports?
- Two reasons. You may need to combine ledgers from more than one system or more than one entity, and you may need to check the ledger against the bank rather than against itself. Reading the raw export lets you do both.
- Can it handle multi currency ledgers?
- Where the export carries a currency column and a conversion rate, both are kept on the row, so converted amounts can be traced back to the original figures.
- What about Indian number formatting?
- Lakh and crore grouping is understood, as are European decimal commas, thousands separated by spaces, and Dr and Cr suffixes.
- Which plan is needed?
- The Business plan covers accounting export handling and the extra fields it produces.