Free Accounting Resource

Month-End Close Checklist for Startups and SMB Finance Teams

A practical month-end close checklist for controllers, accountants, bookkeepers, fractional CFOs, and founder-led finance teams.

1. Pre-Close Preparation

  • ☐ Confirm all bank feeds, credit card feeds, and payment processor feeds are updated.
  • ☐ Collect missing invoices, receipts, payroll reports, and vendor statements.
  • ☐ Confirm sales, revenue, and billing data has been posted.
  • ☐ Review prior-month open items and unresolved reconciliation issues.

2. Cash and Bank Reconciliation

  • ☐ Reconcile bank accounts to statements.
  • ☐ Reconcile credit cards and payment processors.
  • ☐ Review outstanding checks and deposits in transit.
  • ☐ Investigate unmatched transactions and duplicate entries.

3. AP, AR, Payroll, and Accrual Review

  • ☐ Reconcile AP aging and AR aging to the general ledger.
  • ☐ Review unpaid vendor bills and overdue customer balances.
  • ☐ Confirm payroll entries, taxes, and benefit accruals.
  • ☐ Review accruals, reversals, and deferred balances.

4. Prepaids and Fixed Assets

  • ☐ Review purchases above prepaid or capitalization thresholds.
  • ☐ Update prepaid and fixed asset schedules.
  • ☐ Record amortization and depreciation entries.
  • ☐ Reconcile schedules back to the general ledger.

5. General Ledger and Financial Review

  • ☐ Review month-over-month account variances.
  • ☐ Investigate unusual account spikes or drops.
  • ☐ Identify duplicate journal entries or repeated amounts.
  • ☐ Review income statement, balance sheet, and cash flow trends.

6. Final Close Review

  • ☐ Confirm all reconciliations are complete.
  • ☐ Confirm key schedules agree to the general ledger.
  • ☐ Review open items and document follow-ups.
  • ☐ Lock or close the accounting period if applicable.

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