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How it works

From a year of documents to statements that balance — in four steps.

The AI reads and classifies. Code does the arithmetic and verifies it. You make the judgement calls, with every number traceable to its source.

Hands working a calculator beside a keyboard

The four steps

  1. Step 1

    Upload

    Drop in a year of bank, card and loan PDFs, platform reports, receipt photos — or a bookkeeper's spreadsheet. Password-protected and scanned files are fine.
    • Bank, credit card and loan statements — several accounts per PDF is fine
    • Shopify, Amazon, Etsy, Stripe and PayPal reports
    • Receipt photos, supplier invoices and last year's statements
    • Clients can upload through a secure link, no account needed

  2. Step 2

    Read & verify

    Each page is read with the best method for it. Opening balance plus transactions must equal the closing balance before anything is used.
    • The best reading method per page, falling back to reading the page visually
    • Opening balance + transactions must equal the closing balance
    • Subtotal lines, “CR” credits and prior-year rows recognized
    • Cut-off gaps at year-end flagged before they're forgotten

  3. Step 3

    Match & categorize

    Payouts are matched to platform reports, transfers paired, loans split, and lines categorized with a reason and a confidence you can see.
    • Payouts matched to platform reports — sales booked once
    • Transfers paired and netted to zero; loans split from the plan table
    • Categories suggested with a reason and confidence
    • Low-confidence suggestions wait for your approval

  4. Step 4

    Review & export

    Approve what needs a human eye, clear the open items, and export statements when every check reads 0.00.
    • Checks panel: every check must read 0.00
    • Open items and estimates listed, never hidden in a plug
    • Excel with live formulas and PDF in last year's format
    • General ledger and trial balance for other software

What you can upload

Whatever the client hands you.

PDF, CSV, XLSX, JPG, PNG and HEIC — scanned, password-protected, bilingual or both.

  • Bank statements

    Chequing, savings, USD

  • Credit card statements

    Multiple cards per PDF

  • Loan statements

    Plan and interest tables

  • Platform reports

    Shopify, Amazon, Etsy

  • Payment processors

    Stripe, PayPal

  • Receipt photos

    Rotated, French, with tips

  • Supplier invoices

    PDF or photo

  • Bookkeeper spreadsheets

    For review mode

The year-end engine

Built for the cases that break other tools.

Each of these comes from a real year-end engagement. Each is visible, reviewable and fixable.

Traceability

Click any number to see where it came from.

Every amount on every report links to the document, page and line it came from — with the reading method and its confidence.
  • Side-by-side view of the original page
  • Confidence and method shown per page
  • AI suggestions show their reason and wait for approval

Double-count guard

Platform payouts matched, sales booked once.

Shopify, Amazon, Etsy, Stripe and PayPal payouts are matched to the bank deposits they became — even under a different legal name — so revenue is never counted twice.
  • Gross sales, fees and refunds from the platform report
  • Bank deposits cleared against payouts receivable
  • Vendor aliases learned once, reused every year

Transfers

Transfers between your own accounts net to zero.

Money out of chequing and into the card is one movement, not an expense and a payment. Both sides pair up through a clearing account that must read 0.00.
  • Pairs across banks, cards and dates
  • Unpaired transfers raised as open items
  • Self-transfers never booked as sales

Loans

Loan principal and interest, straight from the statement.

Instalments are split using the lender's own plan table — including instalment plans hidden inside credit-card statements — and the loan balance must agree to the lender.
  • Principal to the loan, interest to expense
  • Prior-period adjustments when last year's balance was cut wrong
  • Restated comparatives shown side by side

Sales tax

A sales-tax engine that knows marketplace rules.

GST/HST, QST and PST are calculated per channel. Where Amazon or Etsy collect and remit the tax, you don't remit it again; where a wholesale marketplace pays it to you, you do.
  • Shipping never mistaken for tax
  • 100%-discount channels kept out of revenue
  • Input tax credits from receipts — meals at 50%

Open items

Estimates and open items — never silent plugs.

Missing an inventory count or a January statement? You get a clearly marked estimate that says what it's waiting for, and it's replaced automatically when the document arrives.
  • Yellow estimate chip on every estimated figure
  • Client upload links for missing documents
  • Cut-off gaps at year-end flagged automatically

Review mode

Review an existing bookkeeper's file.

Upload a spreadsheet of categorized transactions and draft statements with the source documents. Get a findings report: plugs, netting, misclassifications and double counts, each linked to its source.
  • Severity and dollar impact for every finding
  • Accept a fix and see the restated statements
  • Share the findings report with your client

Exports

Excel with live formulas. PDF in last year's format.

Export a workbook where every subtotal is a real formula, and a PDF that matches the layout of last year's statements — comparatives included, whole-dollar rounding that still adds up.
  • General ledger, trial balance and notes
  • Upload last year's PDF to match its format
  • CSV export for other accounting software

What you get

A complete, reviewable year-end package.

Built from true double-entry books in the same ledger you use all year.

  • Categorized general ledger and trial balance
  • Statement of income and balance sheet, with comparatives
  • Statement of retained earnings (or deficit) and notes
  • Sales-tax summary with source lines per channel
  • Open items list and every estimate clearly marked
  • Findings report when reviewing an existing file
  • Excel with live formulas and PDF in last year's format

Checks, not hope

Statements export only when every check reads 0.00.

No typed-in retained earnings. No netting to make it fit. True double-entry, verified by arithmetic — and if something is off, you see which check, by how much, and where to look.

The AI reads and classifies. Code calculates and verifies.

  • Balance sheet balancesAssets − (liabilities + equity)0.00 — passing
  • Trial balance totals zeroTotal debits − total credits0.00 — passing
  • Every journal entry balancesPer entry, debits − credits0.00 — passing
  • Bank accounts agree to statementsBook balance − statement balance, each month0.00 — passing
  • Credit cards agree to statementsIncluding multiple cards on one statement0.00 — passing
  • Loans agree to lender statementsPrincipal outstanding − lender balance0.00 — passing
  • Transfers clearing nets to zeroMoney out of one account − money into another0.00 — passing
  • Platform payouts fully matchedBank deposits − matched platform payouts0.00 — passing

Spend December on your business — not your books.

Every feature is free. Set up in minutes, invite your bookkeeper, and upload last year's statements whenever you're ready.

See how it works
  • No credit card
  • Encrypted
  • Never used to train AI models