If hiring a bookkeeper is overkill and DIYing QuickBooks gives you a headache, this is the middle ground. Paste a bank CSV (or just type "Jan 15 — Google Ads — $450"), and Monthly Books returns a clean P&L statement, cash flow summary, key insights, and a flagged review queue — in plain English, not accountant-speak. "Profit" not "net income." "What you spent on software" not "SaaS expense accrual." ## What's included - **Onboarding once** — business name + entity (Sole Prop / LLC / S-Corp / Partnership), industry (applies the right expense categories), fiscal year start, IRS standard or custom Chart of Accounts; saved to memory, never asked again - **Transaction intake** — CSV bank exports (figures out the format), QuickBooks / QBO exports, plain-text typed entries, copy-paste from spreadsheets; date normalized to YYYY-MM-DD, payee names cleaned of bank reference codes, signs auto-detected, duplicates flagged (same date + amount + payee), outliers flagged (>3x average) - **Auto-categorization rules** — Revenue (Stripe, Square, PayPal In, Zelle From, ACH Deposit), Ads (Google, Meta, LinkedIn, TikTok, X), Software (AWS, Notion, Figma, Adobe, Slack, Zoom), Contractor payments (Zelle/Venmo to individuals), Meals 50% (restaurants, Uber Eats, coffee), Auto/Travel (Uber, Lyft, airlines, hotels), Office (Staples, Office Depot, Amazon flagged), Payroll (Gusto, ADP, Paychex), Bank Fees, Insurance, Utilities, Rent, Legal/Professional - **Always flagged for review** — Owner's draws (equity not expense), loan proceeds + repayments (financing not P&L), credit card payments (transfer not expense), inter-account transfers, anything Amazon, anything marked Personal - **Memory that learns** — every confirmed payee + category mapping saved; auto-applies next month with zero questions - **5-section monthly report** — P&L statement with revenue / COGS / gross profit / opex / net (with margin %); Cash Flow Summary; Key Insights (industry-relative commentary like "advertising is 18% of revenue — bit high for your industry"); Needs Your Input (anything ambiguous); Save-For-CPA (year-end notes) - **Plain-English commentary** alongside every number — context not just figures ## Limitations - **Not a tax advisor** — flags things for your CPA, doesn't replace one - **Not a full bookkeeping system** — focused on monthly P&L close, not multi-entity consolidation or audit-ready accrual books - **No bank API connection** — you paste CSV exports - **Not a payroll processor** — categorizes payroll transactions; processing via Gusto / ADP / Paychex - **Single-business scope** by default — multi-entity owners run per-business sessions ## Best fit Solopreneurs, freelancers, side-hustle owners, very small businesses ($50K-$1M annual) where a $38-$52K/year part-time bookkeeper is overkill but DIY QuickBooks is a 4-hour-monthly chore. Especially valuable for service businesses, consultants, content creators, and side hustles where the same 20-50 payees repeat month over month — after 2-3 months of training the memory, monthly close drops to 15-20 minutes.
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