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Using a zero-based budget involves planning your finances with the intention of accounting for every dollar you earn. This method ensures that your income vs. expenditures is balanced, where every dollar is assigned a specific purpose, and therefore, theoretically, your budget aligns perfectly with your actual expenditures at the end of the month.

While a zero-based budgeting approach enhances awareness of spending and encourages conscious financial decisions, reconciling your account remains an important practice. Although the budgeting process helps prevent overspending—the main reason for account reconciliation—unforeseen discrepancies can still arise from transactions. This can happen through bank errors, forgotten expenses, or income fluctuations.

Regular reconciliation, even with a zero-based budget, helps ensure that your financial records are accurate and up to date. Therefore, saying it is not necessary could overlook these practical aspects of financial management. Thus, while it may seem less critical due to the structure of zero-based budgeting, reconciliation can still serve as a valuable tool for maintaining financial health and catching errors or irregularities in your accounts.