Will my bank deposits be matched against my income?

Yes — when you connect your bank, ExpenseBot matches every deposit against the entries already in your Income tab so you don't get double-counted.

The matching problem. A single payment often shows up in three places: an email from the platform (e.g. "Your Stripe payout is on the way"), a manual entry you logged, and the deposit landing in your bank account. Without matching, that one $1,250 client payment becomes $3,750 of phantom income on your tax return.

How ExpenseBot solves it. Every deposit runs through a 4-layer matcher against your existing Income tab:

1. Entity ID match — exact platform transaction IDs (Stripe ch_..., PayPal txn_...) are matched first
2. Normalized merchant match — payer names are stripped of punctuation, case, and noise tokens before comparison
3. Token-subset match — handles the common case where the email says "Stripe Inc" and the bank says "STRIPE"
4. AI canonicalization — for edge cases (e.g. "PayPal *Etsy" on the bank, "Etsy" in the email), Gemini canonicalizes both sides to the same merchant

Matches dedupe automatically. Anything that doesn't match surfaces as a "potential income" gap for you to review.

The Reconcile button. Once a month (or anytime), click Reconcile with bank to walk every gap one by one. For each unmatched deposit you can:

• Accept — add it to the Income tab as a new entry
• Edit — adjust the merchant, category, or amount before adding
• Ignore — for transfers between your own accounts, refunds you don't want counted, or anything else that's not income (the ignore rule sticks for that source going forward)

Year-end benefits. Your tax report's Bank Summary tab shows a reconciliation status: ✓ Reconciled at ≥83% of months reconciled, ⚠️ Partial below that, ℹ️ Not enabled if you haven't connected a bank. This tells your accountant (or future-you at filing time) whether the income totals are bank-verified.

The matched income flows into the right tax form automatically:

• Schedule C Line 1 (US) / T2125 Line 7 (Canada) — gross business receipts
• Schedule B (US) / T5 summary (Canada) — interest and dividend income reserved for separate worksheet treatment
• Schedule E (US) / T776 (Canada) — rent deposits routed to the right property when the deposit description matches a property tag

The Income tab stays the single source of truth — manual entries, Gmail-detected income, and bank-matched deposits all live there together, deduped at write-time.