Features
Everything a small business needs to run its books — free.
One set of double-entry books from the first invoice to the year-end package. No tiers, no add-ons: every feature below is included for every user.
Invoicing & payments
Professional invoices and estimates, recurring billing, reminders and online card or bank payments.
- Branded invoices with your logo, colours and payment terms
- Estimates that convert to invoices in one click
- Recurring invoices with automatic sending
- Automatic payment reminders and overdue tracking
- Online card and bank payments from a secure invoice page
- Partial payments, deposits and credit notes
- Customer statements and receivables aging
- Products & services list with default tax codes
Accounting & reports
True double-entry books with a full chart of accounts, journal entries and 40+ reports.
- Chart of accounts tailored to your business type
- Manual and recurring journal entries — every entry must balance
- Profit & loss, balance sheet, cash flow and trial balance
- Aging, sales by customer, expenses by vendor, tax summaries
- Click any report number to drill down to the transaction
- Budgets with budget-vs-actual reports
- Classes and locations for departmental reporting
- Export reports to PDF, Excel and CSV
Banking & reconciliation
Connect or import bank and card activity, categorize with rules, and reconcile to the statement.
- Bank and card feeds, plus CSV, OFX and PDF statement imports
- Rules that categorize, split and assign tax automatically
- Match bank lines to invoices, bills and payments already entered
- Transfers between your own accounts paired automatically
- Month-by-month reconciliation against the statement balance
- Personal-card spending recorded as owed to the shareholder
Bills & expenses
Track what you owe, pay on time, snap receipts and raise purchase orders.
- Enter bills, schedule payments and track payables aging
- Snap receipts on your phone — vendor, date, tax and total read for you
- GST/HST, QST and PST split out of receipts automatically
- Purchase orders that convert to bills
- Vendor list with default categories
- Meals and entertainment flagged for 50% deductibility
Payroll & contractors
Run payroll, track deductions and pay contractors — with year-end slips in mind.
- Salaried and hourly employees, pay schedules and pay stubs
- Statutory deductions tracked and posted to the ledger
- Remittance amounts calculated for each period
- Contractor records and payment history
- Year-end totals ready for slips and information returns
Time, mileage & projects
Track billable hours and kilometres, and see profit by project.
- Timers and weekly timesheets per customer or project
- Turn billable time into invoice lines
- Mileage log with trip purpose and distance-based rates
- Projects with budgets, income, costs and profit
Inventory
Track quantities and cost, with cost of goods sold posted as you sell.
- Stock items with quantity on hand and average cost
- Cost of goods sold posted automatically when you invoice
- Inventory adjustments and counts
- Reorder points and low-stock alerts
Multi-currency
Invoice, pay and hold accounts in other currencies with gains and losses handled for you.
- Customers, vendors and bank accounts in any currency
- Choose average, year-end or the actual bank rate
- Realized and unrealized exchange gains and losses
- USD platform payouts converted before they reach CAD totals
Sales tax, Canada first
GST/HST, QST and PST built in — including marketplace-collected tax rules.
- Canadian federal and provincial tax codes set up for you
- Input tax credits tracked from bills and receipts
- Marketplace-collected tax recognized, so you don't remit it twice
- Return-ready tax summaries with source lines
- US clients supported, with sales tax off by default
- English and French documents read and produced
Team roles & audit log
Invite your bookkeeper, accountant or staff with the right access — and see every change.
- Owner, admin, accountant, bookkeeper, viewer and upload-only roles
- Every create, edit, void and send recorded with before/after values
- Multi-factor authentication for every user
- Secure upload links so clients can send documents without an account
- Firms manage many client businesses from one login
Dashboards & insights
See cash, receivables, payables and profit at a glance, every time you sign in.
- Cash-flow chart from your connected accounts
- Invoices owing and bills due, with overdue highlighted
- Profit and expense trends by month
- Checks panel: see at a glance that the books balance
AI year-end engine
Upload a year of statements, reports and receipts. Get reconciled financial statements that trace to every source line.
- Bank, credit card and loan PDFs read and checked against their own totals
- Shopify, Amazon, Etsy, Stripe and PayPal reports matched to bank payouts
- Receipt photos and bookkeeper spreadsheets accepted
- Transfers between accounts paired and netted to zero
- Loan principal and interest split from the statement's own table
- Estimates and open items instead of silent plugs
- Review mode: findings report on an existing bookkeeper's file
- Excel with live formulas and PDF in last year's format
Every one of these features is free.
Create your business in minutes. Invite your bookkeeper or accountant at no cost.
- No credit card
- Encrypted
- Never used to train AI models