Why the bank payout is smaller than reported sales

Work through a complete fictional example

One JPY path reports gross sales of 10,000, refunds of 1,000 and platform fees of 1,800: earned income before payout fees is 7,200. A second path reports net income of 3,000, so its refunds and platform fees are not deducted again. Together, earned income is 10,200. Actual cash received for that same period is 7,000 and fees withheld at receipt are 200. The calculated unsettled amount is 3,000, not 3,200.

If all paid costs for that period are confirmed at 2,000, received cash minus those costs is 5,000. Payout fees are already reflected in the cash received and are not deducted twice. Unpaid costs, labor and taxes are outside this cash-result figure. These are invented examples, not our sales or verified deposits.

Save exact fictional income CSV · Save exact fictional cost CSV

Check your own files in the right order

1. Use the same period for reported income and its receipt. Separate deposits from other periods.
2. Identify whether each reported amount is gross or already net. Unknown is not zero.
3. Map columns explicitly; do not assume arbitrary platform exports already fit.
4. Validate prepared files for exact headers, duplicates, period and cost rows.
5. Only mark costs complete if all costs for that target are known. Keep JPY and USD separate.

Repeated multi-file work

The CSV Income Reconciliation Kit processes your prepared exact-schema files locally with Python 3.9+. It includes English and Japanese scripts, instructions and examples. It does not connect banks, fetch exports, automatically convert each platform’s CSV or file taxes. A spreadsheet or the free notebook may already be enough.

One bilingual kit; final total at checkout. AI-assisted code and documentation. Use/modification/redistribution/commercial terms are in LICENSE.txt; no exclusive rights or accounting certification.