diff --git a/README.md b/README.md
index a59f4050..4c1831e9 100644
--- a/README.md
+++ b/README.md
@@ -181,6 +181,7 @@ liquifact-contracts/
 | `get_escrow` | — | Read current escrow state. |
 | `get_version` | — | Read stored `DataKey::Version`. |
 | `get_remaining_investor_slots` | — | Read remaining unique investor capacity before reaching the cap. |
+| `get_reconciliation` | — | Read solvency position: live token balance, outstanding liability, and surplus/deficit. See [`docs/escrow-read-api.md`](docs/escrow-read-api.md). |
 
 ---
 
diff --git a/docs/escrow-read-api.md b/docs/escrow-read-api.md
index e9e420d8..e8e4d18c 100644
--- a/docs/escrow-read-api.md
+++ b/docs/escrow-read-api.md
@@ -66,6 +66,7 @@ re-implementing storage reads to guarantee identical semantics.
 
 **Distributed Principal:**
 - [get_distributed_principal](#get_distributed_principal--i128)
+- [get_reconciliation](#get_reconciliation--reconciliationview)
 
 ---
 
@@ -595,6 +596,47 @@ and [`LiquifactEscrow::withdraw`] for liability-floor enforcement.
 
 ---
 
+## `get_reconciliation() → ReconciliationView`
+
+**Storage keys:** reads `DataKey::Escrow`, `DataKey::DistributedPrincipal`, and
+`DataKey::FundingToken` (then queries the token contract for the live balance).
+
+Returns the contract's full reconciliation position in a single call, so operators
+no longer have to fetch the balance, funded amount, distributed principal, and
+settlement state separately and re-implement the liability arithmetic off-chain
+(see the [Reconciliation relationship](#reconciliation-relationship) above).
+
+```text
+outstanding_liability = max(funded_amount - distributed_principal, 0)
+surplus               = token_balance - outstanding_liability
+```
+
+`outstanding_liability` uses the **identical floor** that
+[`LiquifactEscrow::sweep_terminal_dust`] enforces, so the view and the sweep guard
+can never disagree. `surplus` is the sweepable dust when positive and a deficit
+when negative.
+
+### `ReconciliationView` fields
+
+| Field | Type | Description |
+|-------|------|-------------|
+| `token_balance` | `i128` | Live SEP-41 funding-token balance held by the contract. |
+| `outstanding_liability` | `i128` | Principal still owed to investors: `max(funded_amount - distributed_principal, 0)`. |
+| `surplus` | `i128` | `token_balance - outstanding_liability`. Positive = sweepable surplus; negative = deficit. |
+
+- **Pure read** — no authorization required, no state mutation.
+- **Never panics on values** — all arithmetic is saturating.
+- Emits [`EscrowError::EscrowNotInitialized`] / [`EscrowError::FundingTokenNotSet`]
+  only when the escrow has not been initialized.
+
+**Security note:** in settled (`2`) and withdrawn (`3`) states `distributed_principal`
+is `0` by design, so `outstanding_liability` reflects the full `funded_amount` and the
+reported `surplus` is never larger than what `sweep_terminal_dust` would actually
+permit (that guard only applies the floor in the cancelled state `4`). The view is
+therefore conservative and can never over-report sweepable funds.
+
+---
+
 ### `is_investor_claimed(investor: Address) → bool`
 
 **Storage key:** `DataKey::InvestorClaimed(investor)` (persistent)  
diff --git a/escrow/src/lib.rs b/escrow/src/lib.rs
index aceb5b56..5ad96a51 100644
--- a/escrow/src/lib.rs
+++ b/escrow/src/lib.rs
@@ -4389,6 +4389,80 @@ impl LiquifactEscrow {
             .get(&DataKey::DistributedPrincipal)
             .unwrap_or(0)
     }
+
+    /// Read-only reconciliation position: the live funding-token balance held by
+    /// the contract, the outstanding investor liability, and the resulting
+    /// surplus (sweepable dust) or deficit.
+    ///
+    /// `outstanding_liability` is computed with the **same liability floor** that
+    /// [`LiquifactEscrow::sweep_terminal_dust`] enforces (see line
+    /// `outstanding = funded_amount - distributed_principal` in that function):
+    ///
+    /// ```text
+    /// outstanding_liability = max(funded_amount - distributed_principal, 0)
+    /// surplus               = token_balance - outstanding_liability
+    /// ```
+    ///
+    /// so a caller's view of "what may be swept" never disagrees with the on-chain
+    /// invariant. In settled (`2`) and withdrawn (`3`) states `distributed_principal`
+    /// stays `0` by design, so `outstanding_liability` reflects the full
+    /// `funded_amount`; the reported `surplus` is therefore never larger than what
+    /// `sweep_terminal_dust` would actually permit (it only applies the floor in the
+    /// cancelled state `4`). `surplus` is negative in a deficit.
+    ///
+    /// This is a pure read: no authorization, no storage writes. All arithmetic is
+    /// saturating, so the view cannot panic on extreme balances or amounts.
+    ///
+    /// # Errors
+    ///
+    /// Fails with [`EscrowError::EscrowNotInitialized`] / [`EscrowError::FundingTokenNotSet`]
+    /// only when the escrow has not been initialized; it never panics on numeric values.
+    pub fn get_reconciliation(env: Env) -> ReconciliationView {
+        let escrow = Self::get_escrow(env.clone());
+
+        let distributed: i128 = env
+            .storage()
+            .instance()
+            .get(&DataKey::DistributedPrincipal)
+            .unwrap_or(0);
+
+        // Same formula as sweep_terminal_dust's liability floor, floored at zero.
+        let outstanding_liability = escrow.funded_amount.saturating_sub(distributed).max(0);
+
+        let token_addr = Self::funding_token_or_fail(&env);
+        let this = env.current_contract_address();
+        let token_balance = TokenClient::new(&env, &token_addr).balance(&this);
+
+        // Surplus is sweepable dust when positive, a deficit when negative.
+        let surplus = token_balance.saturating_sub(outstanding_liability);
+
+        ReconciliationView {
+            token_balance,
+            outstanding_liability,
+            surplus,
+        }
+    }
+}
+
+/// Read-only reconciliation snapshot returned by
+/// [`LiquifactEscrow::get_reconciliation`].
+///
+/// Derive rationale:
+/// - `Debug`: improves failure diagnostics in tests.
+/// - `PartialEq`: allows exact assertions in tests.
+#[contracttype]
+#[derive(Clone, Debug, PartialEq)]
+pub struct ReconciliationView {
+    /// Live SEP-41 funding-token balance held by the contract address.
+    pub token_balance: i128,
+    /// Principal still owed to investors:
+    /// `max(funded_amount - distributed_principal, 0)`. Uses the identical floor
+    /// to [`LiquifactEscrow::sweep_terminal_dust`] so the two never disagree.
+    pub outstanding_liability: i128,
+    /// `token_balance - outstanding_liability`. Positive means sweepable dust
+    /// (a surplus); negative means the contract is in deficit for its remaining
+    /// obligations.
+    pub surplus: i128,
 }
 
 #[cfg(test)]
diff --git a/escrow/src/tests/external_calls.rs b/escrow/src/tests/external_calls.rs
index 355a560a..bd1c6533 100644
--- a/escrow/src/tests/external_calls.rs
+++ b/escrow/src/tests/external_calls.rs
@@ -674,3 +674,189 @@ fn sweep_liability_floor_all_refunded_sweep_all_dust() {
     assert_eq!(swept, expected);
     assert_eq!(token.token.balance(&treasury), expected);
 }
+
+// ── get_reconciliation view ──────────────────────────────────────────────────
+//
+// These tests assert that the reconciliation view's `surplus` equals exactly the
+// amount `sweep_terminal_dust` would permit to be swept (the live balance minus
+// the outstanding investor liability), both before and after partial refunds.
+
+#[test]
+fn reconciliation_reports_zero_surplus_when_balance_equals_liability() {
+    // Cancelled escrow, funded 1000, balance 1000, no refunds yet.
+    // outstanding = 1000, surplus = 0 → nothing is sweepable.
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let investor = Address::generate(&env);
+    let fund_amount = 1_000i128;
+    let (token, _treasury) =
+        setup_cancelled_with_token(&env, &client, &admin, &sme, &investor, fund_amount);
+
+    let view = client.get_reconciliation();
+    assert_eq!(view.token_balance, fund_amount);
+    assert_eq!(view.outstanding_liability, fund_amount);
+    assert_eq!(view.surplus, 0i128);
+    assert_eq!(view.token_balance, token.token.balance(&client.address));
+}
+
+#[test]
+fn reconciliation_surplus_equals_sweepable_dust_before_and_after_partial_refund() {
+    // Two investors fund 500 each; 1 unit of dust is minted on top (balance 1001).
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let investor_a = Address::generate(&env);
+    let investor_b = Address::generate(&env);
+    let token = install_stellar_asset_token(&env);
+    let treasury = Address::generate(&env);
+
+    client.init(
+        &admin,
+        &soroban_sdk::String::from_str(&env, "RECON01"),
+        &sme,
+        &2_000i128,
+        &0i64,
+        &0u64,
+        &token.id,
+        &None,
+        &treasury,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+    );
+    token.stellar.mint(&client.address, &1_001i128);
+    client.fund(&investor_a, &500i128);
+    client.fund(&investor_b, &500i128);
+    client.cancel_funding();
+
+    // Before any refund: outstanding = 1000, balance = 1001, surplus = 1.
+    let before = client.get_reconciliation();
+    assert_eq!(before.token_balance, 1_001i128);
+    assert_eq!(before.outstanding_liability, 1_000i128);
+    assert_eq!(before.surplus, 1i128);
+
+    // After refunding investor A: distributed = 500, outstanding = 500. refund()
+    // transfers A's 500 principal out, so balance drops to 501 (500 for B + 1 dust).
+    client.refund(&investor_a);
+    assert_eq!(client.get_distributed_principal(), 500i128);
+
+    let after = client.get_reconciliation();
+    assert_eq!(after.token_balance, 501i128);
+    assert_eq!(after.outstanding_liability, 500i128);
+    assert_eq!(after.surplus, 1i128);
+
+    // The reported surplus is exactly what sweep_terminal_dust permits: sweeping
+    // `surplus` succeeds and leaves balance == outstanding.
+    let swept = client.sweep_terminal_dust(&after.surplus);
+    assert_eq!(swept, after.surplus);
+    let settled = client.get_reconciliation();
+    assert_eq!(settled.token_balance, 500i128);
+    assert_eq!(settled.outstanding_liability, 500i128);
+    assert_eq!(settled.surplus, 0i128);
+}
+
+#[test]
+fn reconciliation_reports_surplus_when_over_funded() {
+    // Cancelled escrow funded 1000 (balance 1000), then 50 extra dust minted.
+    // outstanding = 1000, balance = 1050, surplus = 50.
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let investor = Address::generate(&env);
+    let fund_amount = 1_000i128;
+    let (token, treasury) =
+        setup_cancelled_with_token(&env, &client, &admin, &sme, &investor, fund_amount);
+    token.stellar.mint(&client.address, &50i128);
+
+    let view = client.get_reconciliation();
+    assert_eq!(view.token_balance, 1_050i128);
+    assert_eq!(view.outstanding_liability, 1_000i128);
+    assert_eq!(view.surplus, 50i128);
+
+    // Surplus never exceeds what sweep permits: sweeping exactly `surplus` works.
+    let swept = client.sweep_terminal_dust(&view.surplus);
+    assert_eq!(swept, 50i128);
+    assert_eq!(token.token.balance(&treasury), 50i128);
+}
+
+#[test]
+#[should_panic]
+fn reconciliation_surplus_is_max_sweepable_one_more_panics() {
+    // Sweeping one unit more than the reported surplus must violate the floor.
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let investor = Address::generate(&env);
+    let fund_amount = 1_000i128;
+    let (token, _treasury) =
+        setup_cancelled_with_token(&env, &client, &admin, &sme, &investor, fund_amount);
+    token.stellar.mint(&client.address, &50i128);
+
+    let view = client.get_reconciliation();
+    assert_eq!(view.surplus, 50i128);
+    // surplus + 1 dips into outstanding liability → panic.
+    client.sweep_terminal_dust(&(view.surplus + 1));
+}
+
+#[test]
+fn reconciliation_zero_balance_and_zero_liability() {
+    // Initialized but never funded and never minted: everything is zero.
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let token = install_stellar_asset_token(&env);
+    let treasury = Address::generate(&env);
+    client.init(
+        &admin,
+        &soroban_sdk::String::from_str(&env, "RECON02"),
+        &sme,
+        &1_000i128,
+        &0i64,
+        &0u64,
+        &token.id,
+        &None,
+        &treasury,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+        &None,
+    );
+
+    let view = client.get_reconciliation();
+    assert_eq!(view.token_balance, 0i128);
+    assert_eq!(view.outstanding_liability, 0i128);
+    assert_eq!(view.surplus, 0i128);
+}
+
+#[test]
+fn reconciliation_fully_distributed_reports_only_dust_as_surplus() {
+    // Fund 1000, add 1 dust (balance 1001), cancel, refund the only investor.
+    // distributed = 1000 → outstanding = 0; balance = 1 (the dust) → surplus = 1.
+    let env = Env::default();
+    env.mock_all_auths();
+    let (client, admin, sme) = setup(&env);
+    let investor = Address::generate(&env);
+    let fund_amount = 1_000i128;
+    let (token, _treasury) =
+        setup_cancelled_with_token(&env, &client, &admin, &sme, &investor, fund_amount);
+    token.stellar.mint(&client.address, &1i128);
+
+    client.refund(&investor);
+    assert_eq!(client.get_distributed_principal(), fund_amount);
+
+    let view = client.get_reconciliation();
+    assert_eq!(view.token_balance, 1i128);
+    assert_eq!(view.outstanding_liability, 0i128);
+    assert_eq!(view.surplus, 1i128);
+    assert_eq!(view.token_balance, token.token.balance(&client.address));
+}