OpenChainGraph Suite · ART-566 · Legal Ops & Trust Accounting

IOLTA Three-Way Trust Reconciliation

Recomputes the monthly client-trust three-way close every firm already does by hand in a spreadsheet: the bank statement, adjusted for outstanding items, against the trust ledger total, against the sum of every per-client ledger. Separately walks each client's declared activity to catch a ledger that dips negative mid-period even when its ending balance looks clean, ages every outstanding item from the period end, and checks that every balance is stated as of the same date.

Recompute · caller-declared balances only Negative client balance never tolerance-gated Verdict: RECONCILED · DISCREPANT · INCOMPLETE
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Not legal advice and not a substitute for the trust-accounting rules of the applicable jurisdiction. ABA Model Rule 1.15 requires complete trust-fund records and reconciliation of those records; state record-keeping rules govern the specifics and vary by jurisdiction. This tool performs arithmetic only over the balances you supply.
Statement period & tolerance

The demo values below are synthetic and already loaded, so you can press Run without entering anything of your own.

Bank & trust ledger
Three-way equality
Per-client ledgers
Outstanding items
Findings
Rejected inputs
Execution Hash (SHA-256)
What this does not do

It does not source or verify any balance against a bank feed, general ledger, or practice-management system, and it does not determine which bank lines are outstanding: outstanding items are declared inputs, the same way a firm already lists them on its reconciliation worksheet. It is not legal advice and not a determination of an ethics violation; a DISCREPANT verdict is a citable record of an arithmetic break, which the firm and, on referral, a bar auditor evaluate.

Related

ART-525 enforces the general N-way balance closure identity across named internal systems for any measure. This node is the specialized legal-ops case: exactly three legs (bank, trust ledger, client ledgers), a hard-zero rule on per-client balances that ART-525's tolerance-gated pairwise test does not carry, and outstanding-item aging tuned to a monthly trust-account close rather than a generic reconciliation cadence.