Finance
Etsy Payment Account Reconciliation
Upload an Etsy monthly statement to separate sales, fees, refunds, marketing, unavailable funds, and deposits without treating a bank transfer as profit.
Reconcile your Etsy Payment account
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Transparent methodology
What the result includes—and what it does not
Built for etsy sellers and bookkeepers asking why sales, Payment account activity, available funds, and bank deposits do not show the same amount.
Calculation method
- 1The parser locates Date, Type, Amount, and Net in the monthly statement, retains the statement order, and classifies recognizable rows as sales, refunds, fees and taxes, marketing, shipping, credits, deposits, reserves, or adjustments.
- 2Net remains the cash effect of each row. Fees & Taxes is reported as an explanation of that effect and is not deducted from Net a second time.
- 3A deposit is compared with activity since the previous detected deposit after excluding positive sale Net explicitly marked as not yet available in Info. The first deposit is not compared because its opening balance can predate the file.
- 4Where Balance exists, each row is checked against the preceding balance plus Net. Unknown types and discontinuities stay visible in the exception table.
Assumptions and limits
- A Payment account deposit is a transfer of available funds, not net business profit. Product cost, labour, external advertising, overhead, and income tax are outside this statement reconciliation.
- Etsy scheduling, reserves, negative opening balances, minimums, security holds, and activity outside the selected CSV can explain a deposit difference.
- Availability is inferred only from language present in the Info field. The tool does not invent a reserve or availability date absent from the export.
- Currencies are not converted. Regional or older statement formats may use categories the parser keeps as unclassified until reviewed.
Worked example
Explain why a weekly deposit is below the week's sales
Input: An Etsy monthly statement with sales, listing fees, Etsy Ads, a refund, two deposits, and one sale marked available on a future date.
Output: A complete activity ledger, category totals, unavailable funds, deposit intervals, balance checks, and exceptions for differences that need the Etsy account or prior statement.
Primary sources
- Etsy — How to calculate your Etsy Payments deposit amountOfficial instructions for downloading the monthly statement, excluding not-yet-available sales, and understanding why deposit and Net profit differ.
- Etsy — How to manage your Payment accountOfficial definitions for Amount, Fees & Taxes, Net, balance, available funds, reserves, statement categories, and deposits.
How to use it
Three steps. One clear answer.
- 1Enter or paste the values requested by the tool.
- 2Review the input units and choose any relevant options.
- 3Calculate, then copy or download the result you need.
Built for trust
Useful without the friction.
- No registration or paywall before your result.
- Responsive controls for phone, tablet, and desktop.
- Clear assumptions and warnings where estimates have limits.
Frequently asked questions
Why does my Etsy deposit not match my sales?
A deposit uses funds currently available, not every sale made in the same period. Fees, refunds, taxes, Etsy services, shipping labels, reserves, a negative opening balance, the deposit schedule, and sales that are not available yet can all change the transfer.
Which Etsy CSV should I download?
Use the monthly statement generated from Shop Manager, Finances, Monthly statements. The analyzer needs Date, Type, Amount, and Net; Title, Info, Currency, Fees & Taxes, and Balance make the categories and checks more complete.
Does this calculate Etsy shop profit?
No. It reconciles Payment account activity and deposits. Etsy's statement does not automatically know product cost, packaging bought elsewhere, labour, overhead, external ads, or income tax, so calling the transfer complete business profit would be misleading.
Why is the first deposit not compared?
The first deposit shown in a monthly file can use a balance accumulated before the first row in that file. Without the preceding statement or a known opening balance, comparing it only with visible activity would manufacture a difference.
Are my Etsy sales uploaded to SolveKit?
No. The statement is parsed and reconciled in a browser worker on your device. The result model uses financial activity fields and does not send the CSV or its amounts to a server.
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