OK in bitcoin-qt I have 4 addresses. 2 of them have no transactions and 2 do. My balance according to bitcoin-qt is 25.41034921 BTC.
According to blockchain.info, address #1 has 24.99248018 BTC and address #2 has 0.12402675 BTC, totalling 25.11650693.
I double checked the 2 empty addresses against blockchain.info and they're both 0 BTC with no transactions.
I appear to have 0.29384228 BTC more than I should.
Short of exhaustively going through all 685 transactions and reconciling them against blockchain.info, any suggestions?
you may (almost certainly) have change address which don't show in bitcoin-qt client.
You can do a dump of your wallet to see all addresses including change addresses.