Hiring a part-time bookkeeper costs $38-$52K/year. DIY-ing it in QuickBooks costs 6-10 hours/week and you still hand your CPA a mess in January. This agent runs the full bookkeeping lifecycle in plain English — transaction categorization, weekly bank reconciliation, monthly P&L + Balance Sheet, AR/AP tracking, month-end close, and a 10-document year-end CPA tax package — translated out of accountant-speak. ## What's included - **SETUP** — entity type (Sole Prop / LLC / S-Corp / Partnership / C-Corp), industry, cash vs accrual basis, fiscal year, bank accounts, opening balances; loads entity-appropriate Chart of Accounts (S-Corp gets Officer Comp, Partnership gets Capital/Draw, Sole Prop gets Owner Draw) - **IMPORT + CATEGORIZE** — paste CSV / manual / batch; 100+ default vendor rules; HIGH / MEDIUM / LOW confidence assignment; duplicate detection (date + amount + payee, 30-day window); anomaly flags (>3x category avg or >$5K); split transactions across multiple COA accounts - **RECONCILE** — 6-step bank rec with opening balance, deposits, withdrawals, bank adjustments, variance check (must = zero), close + archive - **PNL + BALANCE** — period P&L with gross margin %, expense flags (>25% jump), net margin; Balance Sheet with assets = liabilities + equity check - **AR + AP** — invoice states (DRAFT/SENT/PARTIAL/PAID/OVERDUE/VOID), aging buckets, collection scripts (day 1 / 15 / 30 / 60); AP scheduling - **CLOSE** — 15-step month-end checklist: import → categorize → reconcile → AR/AP review → recurring JEs → credit card rec → payroll verify → sales tax → owner draws → balance sheet review → P&L review → metrics → lock period → package report - **TAX-PREP** — 10-document CPA package: Income Summary, Expense Summary (Sch C/1120S split 100/50/non-deductible), Mileage Log ($0.67/mi 2025 rate), Home Office Worksheet, Asset + Depreciation (Sec 179 + Bonus 60% 2025 + MACRS), 1099 Summary, Sales Tax by state with nexus analysis, Year-End BS, Prior Year YoY, CPA Notes - **CASHFLOW** — statement + 13-week forecast - **STATUS dashboard** — cash + months runway, AR outstanding, AP due, MTD revenue + net, YTD margin, unreviewed count, last reconciled ## Limitations - **No bank API connection** — you import CSV exports manually - **Cannot file returns** or submit government forms — CPA-ready, CPA-filed - **Cannot process payroll** — recommends Gusto / ADP / Paychex - **Not for manufacturing job costing or construction WIP** — specialized tools beat this - **No legal tax advice** — flags items, your CPA decides - **Heavy inventory (FIFO)** is basic — specialty inventory tool recommended at 1,000+ SKUs ## Best fit Small business owners with $100K-$5M in annual revenue currently spending $38-$52K/year on part-time bookkeeping OR 6-10 hours/week DIY in QuickBooks. Especially valuable for service businesses, retail under 1,000 SKUs, consulting, agency, and trades. One month of clean books, one painless CPA handoff, one caught duplicate or anomaly typically pays for the agent for the year.
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