# Accountable

> AI bookkeeping for startups. Accountable categorizes every transaction and checks every account against your bank on its own, with cash and accrual side by side, so you don’t need a bookkeeper. It works inside ChatGPT and Claude too.

Accountable is AI bookkeeping for startups, including founders who run several companies. It keeps each company's books up to date, reconciled to the bank and reviewed, with each month reconciled to the bank and locked. An in-app AI accountant answers questions with sources. Outside agents (Claude, ChatGPT, Cursor) can read and, on paid plans, write to the books through an MCP server. Under the default approval rules, changes apply at once, logged and undoable; entries of $5,000 or more wait for an owner, reopening a closed month waits, sending anything outside the company waits, and closed months never change. Owners can tighten these rules in Settings › Approval rules. No agent can approve a change. Moving books from Digits, QuickBooks, Xero, Kick, Puzzle or a spreadsheet is free, and every month-end ties to the cent before the history goes live. Self-serve, no sales calls; Accountable AI never hands you to a person, and judgment calls go to your CPA. Built by Circo, Inc.

## Plans (US dollars)

- Free: $0. 1 company, every feed transaction synced and the first 100 each month categorized automatically, read-only MCP, 20 AI accountant questions a month.
- Pro: $149 a month or $1,490 a year. 2 companies included, $49 a month for each extra company. Every transaction categorized automatically, MCP read and write (entries of $5,000 or more wait for an owner), continuous close, unlimited users with roles, 300 AI questions a month.
- Holding: $399 a month or $3,990 a year. 10 companies included, $29 a month for each extra company. 1,000 AI questions a month.
- Annual plans get 2 months free. Every new workspace gets a 14-day Pro trial with no card.
- Never behind a paywall: import, export and the accountant's seat. An ended plan falls back to free, read-only books; books are never deleted.

## Partner program for accounting firms

- Firms earn 30% of every paid subscription invoice from a client they refer, before tax, for 12 months from the client's first payment ($44.70 a month on Pro).
- Or the firm pays for a client itself at 30% off: Pro at $104.30 a month per client instead of $149.
- Clients who sign up with a firm's code get 20% off for 3 months (on annual billing, 20% off the first year).
- Firms earn 20% of service-desk orders from referred clients for 12 months.
- A commission becomes payable 30 days after the client pays. Payouts run on the 15th of each month once the balance reaches $50.
- Accountant seats are always free, and a partner firm's own books are on Pro free while it has at least one paying client.

## Price for 3 companies, per month (list prices, checked Sep 2026)

- Accountable Pro: $198
- Kick Basic for 1, Plus for more: $200 ($100 a month plus $50 for each extra entity past 250 transactions a year)
- Digits Core: $300 (Each company needs its own subscription)
- Puzzle Complete: $360 (Priced per company)
- QuickBooks Online Plus: $420 (Priced per company)
- Xero Growing: $177 (Priced per organization; no combined view across companies)

## Answers to common buyer questions

Accountable at accountable.im is not related to accountable.eu or accountable.de. Each question below has one page that answers it first.

- [What is AI accounting software, and which is best for a startup?](https://accountable.im/ai-accounting-software)
- [What is the best AI bookkeeping software for startups?](https://accountable.im/guides/best-ai-bookkeeping-software)
- [What are the best Digits alternatives?](https://accountable.im/alternatives/digits)
- [What are the best Puzzle alternatives?](https://accountable.im/alternatives/puzzle)
- [What are the best Pilot alternatives?](https://accountable.im/alternatives/pilot)
- [Pilot vs Digits: which is better for a startup?](https://accountable.im/guides/digits-vs-pilot)
- [Puzzle vs Digits: which is better for a startup?](https://accountable.im/guides/puzzle-vs-digits)
- [What are the best Mercury Books alternatives?](https://accountable.im/alternatives/mercury-books)
- [What is a good QuickBooks alternative for startups?](https://accountable.im/alternatives/quickbooks)
- [Is Digits good? Pros, cons and pricing](https://accountable.im/guides/digits-review)
- [What is the cheapest bookkeeping for a seed-stage startup?](https://accountable.im/guides/cheapest-bookkeeping-for-a-startup)
- [What should I look for in AI accounting software for a startup?](https://accountable.im/guides/ai-accounting-software-for-startups)
- [What is the difference between AI accounting software and AI bookkeeping software?](https://accountable.im/guides/ai-accounting-software-vs-ai-bookkeeping-software)
- [What is the best AI accounting software for small businesses and startups?](https://accountable.im/guides/best-ai-accounting-software-for-small-business)
- [What does AI accounting software cost a startup in 2026?](https://accountable.im/guides/ai-accounting-software-pricing)
- [How accurate is AI accounting software, and what should I test before I trust it?](https://accountable.im/guides/how-accurate-is-ai-accounting-software)
- [Is AI accounting software safe? What do approvals, audit logs and undo do?](https://accountable.im/guides/is-ai-accounting-software-safe)
- [What is the best bookkeeping software for several companies or LLCs?](https://accountable.im/multi-entity-accounting)
- [How do I do bookkeeping for multiple LLCs with one login?](https://accountable.im/bookkeeping-for-multiple-llcs)
- [How do founders who own several companies keep their books?](https://accountable.im/for/serial-founders)
- [What does accounting software for multiple businesses cost?](https://accountable.im/guides/accounting-software-for-multiple-businesses)
- [Can ChatGPT do my bookkeeping?](https://accountable.im/guides/chatgpt-for-bookkeeping)
- [Is there an accounting MCP server for Claude?](https://accountable.im/guides/accounting-mcp-server)
- [Can I do my accounting inside ChatGPT or Claude?](https://accountable.im/agents)
- [What does AI replace in a bookkeeper's work, and what does a CPA still do?](https://accountable.im/guides/what-ai-replaces-in-bookkeeping)
- [How do I keep my books investor-ready for due diligence?](https://accountable.im/guides/investor-ready-books-due-diligence)
- [Can I see cash and accrual accounting side by side?](https://accountable.im/guides/cash-and-accrual-side-by-side)
- [Digits vs Kick: which is cheaper, and which lets my AI agent write?](https://accountable.im/guides/digits-vs-kick)
- [Digits vs QuickBooks: which costs less per company?](https://accountable.im/guides/digits-vs-quickbooks)
- [Puzzle vs QuickBooks for startups: which is cheaper?](https://accountable.im/guides/puzzle-vs-quickbooks)
- [Kick vs QuickBooks: which is better for several companies?](https://accountable.im/guides/kick-vs-quickbooks)
- [Mercury Books vs QuickBooks: what does the free year cover?](https://accountable.im/guides/mercury-books-vs-quickbooks)
- [Pilot vs Zeni: which bookkeeping service costs less?](https://accountable.im/guides/pilot-vs-zeni)
- [What are the Kick accounting reviews and prices?](https://accountable.im/alternatives/kick)
- [What is a good Xero alternative for startups?](https://accountable.im/alternatives/xero)
- [Can I run multiple companies on one QuickBooks subscription?](https://accountable.im/guides/quickbooks-multiple-companies)
- [Which QuickBooks MCP server can read, and which can write?](https://accountable.im/guides/quickbooks-mcp-server)
- [How do I calculate burn rate?](https://accountable.im/tools/burn-rate-calculator)

## Pages

- [AI Bookkeeping for Startups, Always Up to Date](https://accountable.im/): Accountable (accountable.im) is AI bookkeeping for startups that is always up to date, so you can raise, sell or file taxes. Works inside ChatGPT and Claude.
- [AI Bookkeeping Pricing for Startups](https://accountable.im/pricing): Free for one company. Pro is $149 a month for 2 companies and $49 for each extra, so 3 companies cost $198. Holding is $399 for 10. 14-day trial, no card.
- [Migrate from Digits to Accountable — free](https://accountable.im/migrate/digits): Move every company off Digits for free. The agent reads Digits through its MCP, rebuilds your full history and ties every month-end to the cent.
- [Migrate from QuickBooks to Accountable — free](https://accountable.im/migrate/quickbooks): Move off QuickBooks Online or Desktop for free. Upload its general ledger export; the agent rebuilds your full history and ties every month-end to the cent.
- [Migrate from Xero to Accountable — free](https://accountable.im/migrate/xero): Move off Xero for free. Upload Xero's general ledger export; the agent rebuilds your full history and ties every month-end to the cent.
- [Migrate from Kick to Accountable — free](https://accountable.im/migrate/kick): Move off Kick for free. Upload Kick's general ledger export; the agent rebuilds your full history and ties every month-end to the cent.
- [Migrate from Puzzle to Accountable — free](https://accountable.im/migrate/puzzle): Move off Puzzle for free. Upload Puzzle's general ledger export, and the agent rebuilds your full history and checks every month-end against Puzzle's numbers.
- [Move your books from a spreadsheet to Accountable — free](https://accountable.im/migrate/spreadsheets): Move books from Google Sheets, Excel or a bookkeeper's general ledger export for free. The agent rebuilds every month and checks it against your file's numbers.
- [Digits accounting alternative: Accountable vs Digits (2026)](https://accountable.im/alternatives/digits): Digits accounting alternative: Accountable (accountable.im) is $198 a month for 3 companies, Digits Core $300. Your AI agent can fix the books; moving is free.
- [Kick accounting reviews and pricing: Accountable vs Kick](https://accountable.im/alternatives/kick): Kick accounting pricing: $0, $40, $100 or $300 a month, plus $50 per busy extra entity. What our test found, side by side with Accountable (accountable.im).
- [Puzzle accounting alternatives: Accountable vs Puzzle](https://accountable.im/alternatives/puzzle): Puzzle alternatives: Accountable (accountable.im) is $198 a month for 3 companies, Puzzle Complete $360. Cash and accrual side by side, and moving is free.
- [QuickBooks alternative for startups](https://accountable.im/alternatives/quickbooks): Accountable costs $198 a month for 3 companies; QuickBooks Plus costs $420. AI keeps your bookkeeping current, your agent posts entries, and the move is free.
- [Mercury Books review and alternative for several companies](https://accountable.im/alternatives/mercury-books): Mercury Books review: free for one Mercury company in 2026, then $35 a month, no history import. Accountable (accountable.im) runs every company and bank.
- [Pilot alternatives: Accountable vs Pilot for startups](https://accountable.im/alternatives/pilot): Pilot alternatives: Pilot reports by the 10th business day. Accountable (accountable.im) keeps AI bookkeeping current, 2 companies for $149, free move.
- [Zeni alternative for startups (Sep 2026)](https://accountable.im/alternatives/zeni): Zeni Starter costs $549 a month for each business. Accountable costs $149 for 2 companies and $198 for 3, and moving in from Zeni's QuickBooks file is free.
- [Xero alternative for startups (Sep 2026)](https://accountable.im/alternatives/xero): Xero alternative for startups: Xero Growing costs $59 a month per organization, with no combined view. Accountable (accountable.im) runs 3 companies for $198.
- [Bench accounting alternative (Sep 2026)](https://accountable.im/alternatives/bench): Bench, now part of Mainstreet, costs $199 to $649 a month. Accountable is AI bookkeeping that stays up to date, from $0 for one company, and moving in is free.
- [Accounting software compared (Sep 2026)](https://accountable.im/compare): Accountable against Digits, Kick, Puzzle, QuickBooks, Xero, Pilot, Zeni, Bench and Mercury Books: prices for 1 and 3 companies, checked Sep 30, 2026.
- [Multi-entity accounting software for founders](https://accountable.im/multi-entity-accounting): Multi-entity accounting for founders: Accountable (accountable.im) runs every company in one workspace, one login, $149 for 2 companies and $49 for each extra.
- [Bookkeeping for multiple LLCs, on one bill](https://accountable.im/bookkeeping-for-multiple-llcs): Bookkeeping for multiple LLCs on one login: Accountable (accountable.im) keeps each LLC's books current, posts money between them, bills 3 LLCs $198 a month.
- [Accounting for holding companies](https://accountable.im/accounting-for-holding-companies): Run a holding company and its subsidiaries in one workspace: intercompany loans on both sides, consolidated statements with eliminations, 10 companies for $399.
- [AI Accounting Software for Startups (2026)](https://accountable.im/ai-accounting-software): AI accounting software for startups compared: Accountable (accountable.im), free for 1 company and $198 for 3, against 9 tools with dated prices.
- [AI bookkeeping inside ChatGPT and Claude](https://accountable.im/agents): Do your bookkeeping inside ChatGPT and Claude. Every change is previewed, logged and can be undone, and it never moves money. Works with Cursor too.
- [Partner program for accounting firms](https://accountable.im/partners/join): Accounting firms and bookkeepers earn 30% of every client's plan for 12 months. Seats are free, with every client's close in one console.
- [Security](https://accountable.im/security): Each company's books live in their own isolated store, every change is logged and reversible, agents cannot move money, and your books are yours to export.
- [Accounting firms that work in Accountable — Partners](https://accountable.im/partners): Find an accounting firm or bookkeeper that keeps clients' books on Accountable, by state. Your firm's seat is free, and you stay the owner of your books.
- [Accountable API reference](https://accountable.im/docs/api): The Accountable REST API: read reports and change your books through the same preview, policy and apply pipeline as the app, with signed webhooks and a CLI.
- [Legal](https://accountable.im/legal): Terms of Service, Privacy Policy, Data Processing Addendum, subprocessors, cookies and acceptable use for Accountable, operated by Circo, Inc..
- [Your privacy choices](https://accountable.im/privacy-choices): Choose whether this browser shares your activity on accountable.im with Meta and Google for ads. Global Privacy Control is honored automatically.
- [Terms of Service](https://accountable.im/legal/terms): The agreement between Circo, Inc. and customers of Accountable: plans and billing, the service desk, AI features, agents, data, liability and disputes.
- [Privacy Policy](https://accountable.im/legal/privacy): What personal information Accountable collects, how it is used and shared, how long it is kept, and your rights under US state laws, the GDPR and the UK GDPR.
- [Data Processing Addendum](https://accountable.im/legal/dpa): How Accountable processes personal data for customers: instructions, security, subprocessors, breach notice, audits, deletion, and EU and UK transfer clauses.
- [Subprocessors](https://accountable.im/legal/subprocessors): The companies that process customer data for Accountable, what each does, where, and how customers hear about changes 30 days ahead.
- [Cookie Policy](https://accountable.im/legal/cookies): Cookies Accountable sets: sign-in and security, DataFast analytics, and Meta and Google ad cookies outside the EEA, UK and Switzerland, and how to opt out.
- [Acceptable Use Policy](https://accountable.im/legal/acceptable-use): What you and the agents you connect may not do with Accountable, and what happens if someone does.
- [Vulnerability Disclosure Policy](https://accountable.im/legal/vulnerability-disclosure): How to report a security vulnerability in Accountable: what is in scope, how to test safely, our safe harbor for good-faith research, and how fast we respond.

## Guides

Plain answers to founders' accounting, tax and tooling questions, at https://accountable.im/guides. Every rule and price is sourced and dated.

### Choosing software

- [Best AI bookkeeping software for startups (October 2026): 8 tools compared with prices](https://accountable.im/guides/best-ai-bookkeeping-software): The best AI bookkeeping software depends on who does the work.
- [Best accounting software for startups: what to pick at each stage, with prices](https://accountable.im/guides/best-accounting-software-for-startups): Pick accounting software by stage.
- [Digits vs Pilot: AI software you run yourself or a bookkeeper you hire?](https://accountable.im/guides/digits-vs-pilot): Digits is software you run yourself: $65 (Essentials) or $100 (Core) a month per company, with a 30-day trial.
- [Puzzle vs Digits accounting: prices, AI and fit after Puzzle's sale to Accrual](https://accountable.im/guides/puzzle-vs-digits): For one startup, Digits Core costs $100 a month and Puzzle Complete $120.
- [QuickBooks vs Xero for startups: prices, users and AI in 2026](https://accountable.im/guides/quickbooks-vs-xero-for-startups): Xero is cheaper for a growing team: Growing costs $59 a month from October 1, 2026 with unlimited users, while QuickBooks Online Plus costs $140 for 5 users and Advanced $340 for 25.
- [Bench alternatives after the shutdown: what to use in 2026](https://accountable.im/guides/bench-alternatives): Bench stopped operating on December 27, 2024, was acquired by Employer.com three days later, and was rebranded as Mainstreet on August 11, 2025.
- [Digits vs Kick accounting: prices for 1, 3 and 5 companies, and which lets your AI agent write](https://accountable.im/guides/digits-vs-kick): Kick costs less: Basic is $40 a month for one company and Plus is $100 for unlimited companies, with $50 for each extra one past 250 transactions a year, so three companies cost $100 to $200.
- [Mercury Books vs QuickBooks: what free through 2026 covers, and what it leaves out](https://accountable.im/guides/mercury-books-vs-quickbooks): Mercury Books, launched September 16, 2026, is double-entry accounting built into Mercury's bank: free through December 31, 2026, then $35 a month, for Mercury customers only.
- [Digits vs QuickBooks: price per company, seats and what your CPA will say](https://accountable.im/guides/digits-vs-quickbooks): Digits costs $65 (Essentials) or $100 (Core) a month for each business and says it charges no per-seat fees.
- [Puzzle vs QuickBooks for startups: prices, AI credits and the Accrual sale](https://accountable.im/guides/puzzle-vs-quickbooks): Puzzle costs $30 (Starter) to $360 (Scale) a month and QuickBooks Online $38 to $340.
- [Best accounting software for multiple businesses: the monthly price for 2, 3 and 5 companies](https://accountable.im/guides/accounting-software-for-multiple-businesses): For three businesses, monthly list prices run from $45 on Zoho Books Standard (billed annually) to $420 on QuickBooks Plus.
- [Digits accounting review: pricing, what works and what founders complain about](https://accountable.im/guides/digits-review): Digits is AI accounting software priced per business: Essentials is $65 a month, Core $100, and Pro at $250 is marked coming soon.
- [Kick vs QuickBooks accounting: price, several companies and agent access](https://accountable.im/guides/kick-vs-quickbooks): Kick costs less for startups and for several companies: Basic is $40 a month, and Plus is $100 for unlimited companies, with $50 for each extra one past 250 transactions a year.
- [Pilot vs Zeni: two bookkeeping services priced side by side](https://accountable.im/guides/pilot-vs-zeni): Pilot costs less to start: its Essentials plan is $99 a month for AI bookkeeping up to $100,000 of monthly expenses, and Core, with a bookkeeper, delivers reports by the 10th business day.
- [Cheapest bookkeeping for a seed-stage startup: free plans, $30 software and what each leaves out](https://accountable.im/guides/cheapest-bookkeeping-for-a-startup): The cheapest bookkeeping for a seed-stage startup is a free plan.
- [AI accounting software for startups: what to look for before you buy](https://accountable.im/guides/ai-accounting-software-for-startups): AI accounting software for startups should give every category a reason, check each account against your bank, price several companies fairly and let you undo any change.
- [AI accounting software vs AI bookkeeping software: what is the difference?](https://accountable.im/guides/ai-accounting-software-vs-ai-bookkeeping-software): AI bookkeeping software records your transactions, categorizes each one and matches your accounts to the bank.
- [Best AI accounting software for small businesses and startups (2026)](https://accountable.im/guides/best-ai-accounting-software-for-small-business): The best AI accounting software for a small business or startup depends on who does the work.
- [AI accounting software pricing: what startups pay in 2026](https://accountable.im/guides/ai-accounting-software-pricing): AI accounting software costs a startup from $0 to $494 a month for one company, on list prices checked September 30, 2026.

### Switching tools

- [Bench shut down: what to do with your books and your tax return](https://accountable.im/guides/bench-shut-down-what-to-do): Bench stopped service on December 27, 2024, was bought by Employer.com days later, and resumed in January 2025, so most customers can log in again.
- [How to switch from QuickBooks Online: 7 steps that keep your history](https://accountable.im/guides/how-to-switch-from-quickbooks): To switch from QuickBooks Online, choose a month-end cutover date, export the General Ledger for all dates with debit and credit columns, the Account List and your attachments, load them into the new tool, tie every month-end to QuickBooks' own reports, and cancel last.
- [How to export your data from Digits: ledger, financial package and chart of accounts](https://accountable.im/guides/export-data-from-digits): In Digits, open the Ledger tab, click the menu in the top-right corner, and choose Download CSV for the transactions in your date range or Download Financial Package for the ledger, trial balance, profit and loss, balance sheet, cash flow and AR and AP aging.
- [Switching bookkeepers mid-year: a 10-step handover that keeps your books clean](https://accountable.im/guides/switch-bookkeepers-mid-year): You can switch bookkeepers mid-year cleanly: cut over at a month-end, get the trial balance, year-to-date general ledger, bank reconciliations and admin access from the old bookkeeper, have the new one tie opening balances to the old books to the cent, and keep the old records at least 3 years.
- [When to stop using spreadsheets for bookkeeping, and how to move](https://accountable.im/guides/move-from-spreadsheets-to-accounting-software): Stop using a spreadsheet for bookkeeping when any of these is true: you have more than about 100 transactions a month, more than one bank or card, a CPA or investor asking for a balance sheet, more than one company, or a month you cannot prove against the bank.

### Taxes and deadlines

- [Delaware franchise tax for startups: how to pay $400, not $85,000](https://accountable.im/guides/delaware-franchise-tax): A Delaware C corporation owes franchise tax and a $50 annual report every year by March 1.
- [Startup tax deadlines for a Delaware C corp: the dated 2027 calendar](https://accountable.im/guides/startup-tax-deadlines): A calendar-year Delaware C corporation has deadlines from February 1 to December 15, 2027.
- [Form 1099-NEC for startups: who gets one, the $2,000 limit and the Feb 1 due date](https://accountable.im/guides/form-1099-nec-for-startups): A startup files Form 1099-NEC for each person, such as a contractor, freelancer or attorney, it paid $2,000 or more for services in 2026.
- [Form 1120 for startups: file it every year, even with no revenue](https://accountable.im/guides/form-1120-c-corp-tax-return): Every domestic C corporation must file Form 1120 for each tax year, even with no revenue, no income or a loss.
- [Section 174 for startups: domestic software and research costs are deductible again from 2025](https://accountable.im/guides/section-174-research-expenses): For tax years beginning after December 31, 2024, new section 174A lets a company deduct domestic research and experimental costs, including software development, in the year it pays them, or amortize them over at least 60 months by election.
- [R&D tax credit for startups: offset up to $500,000 of payroll tax a year](https://accountable.im/guides/rd-tax-credit-payroll-offset): A startup with under $5 million in gross receipts, and none before the five tax years ending with the current one, can elect on Form 6765 to use up to $500,000 of its research credit a year against the employer share of payroll tax.
- [83(b) election: the 30-day deadline, Form 15620 and what your books must record](https://accountable.im/guides/83b-election): An 83(b) election lets you pay tax on restricted stock's value when you receive it, instead of as it vests.

### Month-end close

- [Month-end close checklist for startups: 12 steps, a 5-day calendar and the adjustments that matter](https://accountable.im/guides/month-end-close-checklist): A startup's month-end close has 12 steps: confirm every bank and card feed synced, categorize every transaction, attach receipts, reconcile each account to its statement, match payment processor payouts, review receivables and payables, post payroll, post prepaid, deferred revenue and accrual entries, review the profit and loss, check the balance sheet, send the report and lock the month.
- [How to do a bank reconciliation: 7 steps and a worked example with real numbers](https://accountable.im/guides/bank-reconciliation): To reconcile a bank account, compare the bank statement's ending balance with your books' cash balance on the same date.
- [Accrual vs cash accounting for startups: a worked example and when to switch](https://accountable.im/guides/accrual-vs-cash-accounting-for-startups): Cash accounting records money when it moves; accrual records revenue when you earn it and costs when you incur them.
- [Startup chart of accounts: a sample SaaS chart of about 45 accounts, by function](https://accountable.im/guides/startup-chart-of-accounts): A seed-stage SaaS startup can run on about 45 accounts in seven groups: assets (1000s), liabilities (2000s), equity (3000s), revenue (4000s), cost of revenue (5000s), operating expenses (6000s) and other income and expense (7000s).
- [How long should month-end close take? Benchmarks, startup targets and continuous close](https://accountable.im/guides/how-long-should-month-end-close-take): A typical close takes 5 to 7 days.
- [Cash and accrual basis side by side: see both for your startup at the same time](https://accountable.im/guides/cash-and-accrual-side-by-side): You can see cash and accrual at the same time when your books record each transaction once and apply both rules to it.

### Burn, runway and reporting

- [How to calculate burn rate: gross burn, net burn and an example](https://accountable.im/guides/burn-rate): Gross burn is all the cash your company spends in a month.
- [How to calculate startup runway: formula, example and default alive](https://accountable.im/guides/startup-runway): Runway is your cash balance divided by your net burn, the cash you lose each month after customers pay you.
- [Investor update template: a monthly email with real numbers](https://accountable.im/guides/investor-update-template): A good investor update is a short monthly email with five parts: a one-line headline, a small table of metrics (cash, net burn, runway, revenue growth), three to five highlights, one to three lowlights and one to three specific asks.
- [Deferred revenue for SaaS: journal entries for annual prepaid plans](https://accountable.im/guides/saas-deferred-revenue): Deferred revenue is money a customer pays for software you have not delivered yet, so it sits on the balance sheet as a liability.
- [ASC 606 for SaaS startups: the 5 steps with a worked example](https://accountable.im/guides/revenue-recognition-asc-606-saas): ASC 606 is the US accounting standard that says to recognize revenue when you deliver what you promised, in the amount you expect to be paid.
- [SaaS gross margin: the formula, what counts and real benchmarks](https://accountable.im/guides/saas-gross-margin): SaaS gross margin is revenue minus cost of revenue, divided by revenue.
- [How to keep your books investor-ready for due diligence: a 12-check list and the data room export](https://accountable.im/guides/investor-ready-books-due-diligence): Your books are investor-ready when every month is reconciled to the bank, the income statement, balance sheet and cash flow agree with each other, and you can hand over the ledger and supporting documents in one package.

### Several companies

- [How to consolidate financial statements: a small-company example with eliminations](https://accountable.im/guides/consolidated-financial-statements): To consolidate financial statements, add a parent's and each subsidiary's statements line by line, then eliminate what the companies owe or sold each other so the group is counted once.
- [Intercompany transactions accounting: loans, cost sharing and due to and from](https://accountable.im/guides/intercompany-transactions): An intercompany transaction is money, goods or services that move between two companies you own.
- [A loan between my two LLCs: the note, the interest rate and the entries](https://accountable.im/guides/intercompany-loans-between-llcs): You can lend money between two LLCs you own if you treat it as a real loan.
- [Should I set up a holding company? Pros, cons and the books it creates](https://accountable.im/guides/holding-company-structure-for-founders): Set up a holding company when you own, or expect to own, more than one business, or valuable assets such as IP and cash that you want kept apart from an operating company's risks.
- [Form 5472 for a foreign-owned US LLC or subsidiary: who files and the $25,000 penalty](https://accountable.im/guides/us-subsidiary-foreign-parent-form-5472): A US corporation that is at least 25% foreign-owned, or a US LLC wholly owned by a foreign person, must file Form 5472 for each year it has a reportable transaction with a related party, such as the owner funding it or charging it a fee.
- [QuickBooks for multiple LLCs: one login, but each company is its own subscription](https://accountable.im/guides/quickbooks-multiple-companies): Yes, QuickBooks Online lets you run several companies under one login, but each company needs its own paid subscription.
- [Xero for multiple companies: one login, one bill per organization](https://accountable.im/guides/xero-multiple-companies): Yes, one Xero login can run several companies, but each company is a separate organization with its own subscription.

### AI and agents

- [Accounting MCP server: what it does and which ones exist](https://accountable.im/guides/accounting-mcp-server): An accounting MCP server lets an AI app such as Claude or ChatGPT read, and sometimes change, your books through one standard connection.
- [Can ChatGPT do my bookkeeping? Not alone, but yes when it works inside your live books](https://accountable.im/guides/chatgpt-for-bookkeeping): ChatGPT cannot do your bookkeeping on its own: it has no ledger, no bank link and no record of what it changed.
- [How to use Claude for accounting, and where to stop](https://accountable.im/guides/claude-for-accounting): Claude works for accounting when it is connected to your books through an MCP connector, not when you paste spreadsheets.
- [How AI bookkeeping works: from bank feed to closed month](https://accountable.im/guides/how-ai-bookkeeping-works): AI bookkeeping connects to your bank and cards, cleans up each transaction, applies your rules first, and lets an AI model categorize the rest with a confidence score.
- [Is AI bookkeeping accurate? What to check before you trust it](https://accountable.im/guides/is-ai-bookkeeping-accurate): AI bookkeeping is accurate on routine transactions and unreliable on judgment calls, so the only proof is a check against your bank.
- [QuickBooks MCP server: Intuit's connector, the open-source server and community options compared](https://accountable.im/guides/quickbooks-mcp-server): QuickBooks has two official routes.
- [Claude accounting skills: five that work on real books, and how to connect them](https://accountable.im/guides/claude-accounting-skills): A Claude skill is a folder with a SKILL.md file of instructions, and optional scripts, that Claude loads only when a task matches it.
- [What AI replaces in a bookkeeper's work, and what your CPA still does](https://accountable.im/guides/what-ai-replaces-in-bookkeeping): AI replaces the repeating bookkeeping work: categorizing every transaction, checking each account against the bank, posting recurring entries and preparing the monthly statements.
- [How accurate is AI accounting software? What to test before you trust it](https://accountable.im/guides/how-accurate-is-ai-accounting-software): No published accuracy percentage tells you whether AI accounting software is right for your books, because vendors measure it on their own data.
- [Is AI accounting software safe? Approvals, audit logs and undo](https://accountable.im/guides/is-ai-accounting-software-safe): AI accounting software is safe to the degree that it limits what the AI can change, records every change and lets you reverse it.

### Bookkeeping basics

- [Bookkeeping for startups: what to set up in your first year](https://accountable.im/guides/bookkeeping-for-startups): Set up five things in your first month and your books will stay clean: a business bank account and card you never mix with personal spending, a chart of accounts, a choice of cash or accrual accounting, a monthly routine that reconciles every account to its bank statement, and one folder for receipts and contracts.
- [Do you need a bookkeeper or a CPA for your startup?](https://accountable.im/guides/do-i-need-a-cpa-or-bookkeeper): A startup needs two jobs done: someone to keep the books every month, and a CPA to prepare and sign the tax return.
- [How to categorize business transactions, with a startup cheat sheet](https://accountable.im/guides/how-to-categorize-business-transactions): Categorize each transaction by what it was for, not who you paid: match it to one account in your chart of accounts, such as Software, Payroll or Legal, and keep the receipt.
- [How to account for Stripe payouts: gross, fees, refunds and clearing](https://accountable.im/guides/stripe-accounting): Book each Stripe charge as revenue at its gross amount, book Stripe's fee as an expense, book refunds against revenue, and use a Stripe clearing account so each payout matches one bank deposit.
- [Mercury bank bookkeeping: four ways to keep your books](https://accountable.im/guides/mercury-bookkeeping): Mercury is a bank, not bookkeeping software, so you pair it with an accounting tool.
- [Startup financial statements: P&L, balance sheet and cash flow explained](https://accountable.im/guides/startup-financial-statements): A startup needs three financial statements every month: a profit and loss, which shows what you earned and spent over the month; a balance sheet, which shows what you own and owe on the last day; and a cash flow statement, which shows how your cash moved.
- [Gusto payroll journal entry: a worked example with taxes and benefits](https://accountable.im/guides/gusto-payroll-journal-entry): Book each Gusto pay run as one entry on its check date.

### Integrations

- [Accounting software for Mercury: every account in your books within minutes](https://accountable.im/integrations/mercury): Accountable links Mercury the way it links every bank: through Stripe, where you sign in to Mercury and pick the accounts.
- [Accounting software for Brex: every card transaction posted and matched](https://accountable.im/integrations/brex): Accountable links most banks and cards through Stripe by default, and connects Brex directly with a read-only user token you create in Brex under Developer › Settings.
- [Accounting software for Ramp: every card transaction matched](https://accountable.im/integrations/ramp): Accountable links most banks and cards through Stripe by default, and connects Ramp directly through an API app you create in Ramp's Developer settings, with the client credentials grant and three read scopes: transactions, business and statements.
- [Stripe accounting: each payout, fee and refund booked and matched to the bank](https://accountable.im/integrations/stripe): Accountable connects to Stripe through its Stripe App: you press Connect, approve read-only access on Stripe's own install screen, and come back to Accountable.
- [Accounting software for Gusto: each pay run booked from the payroll journal](https://accountable.im/integrations/gusto): Accountable takes Gusto payroll from the Payroll Journal report: download it from Gusto as a CSV and upload it in Connections after each payroll.
- [Accounting software for Rippling: each pay run booked from the journal report](https://accountable.im/integrations/rippling): Accountable takes Rippling payroll from its payroll journal report: download it as a CSV with one row per employee per pay run and upload it in Connections after each payroll.
- [Accounting software for Deel: each contractor payment posted with a read-only token](https://accountable.im/integrations/deel): Accountable connects to Deel with an organization token you generate in Deel under More › Developer › Access Tokens, with only the accounting:read scope.
- [Connect Slack to your books: one-tap answers and a weekly digest](https://accountable.im/integrations/slack): Connect Slack in Accountable under Settings › Slack, press Add to Slack, approve the app and pick a channel.
- [Receipts from email and Google Drive, attached to your payments](https://accountable.im/integrations/google): Every Accountable company has its own address for receipts: forward a receipt to it, or set an email filter that forwards your vendors' mail on its own, and Accountable files it and attaches it to the payment it proves.
- [Connect Claude to your books, with approval for big changes](https://accountable.im/integrations/claude): Add https://accountable.im/mcp to Claude as a custom connector, sign in to Accountable, pick the companies Claude may see and press Allow.
- [Connect ChatGPT to your books, with every change logged and undoable](https://accountable.im/integrations/chatgpt): In ChatGPT, turn on Developer mode, create a connector with the URL https://accountable.im/mcp and OAuth, then sign in to Accountable, pick the companies and press Allow.
- [Connect Cursor to your books: build on your real numbers](https://accountable.im/integrations/cursor): Add Accountable to ~/.cursor/mcp.json with the URL https://accountable.im/mcp, restart Cursor and sign in when Accountable's page opens.

### Who it's for

- [Accounting for founders who run several companies: one login, separate books](https://accountable.im/for/serial-founders): Accountable gives a founder who runs several companies one login and one bill, with separate books for each company.
- [Accounting for SaaS startups: Stripe, deferred revenue and ASC 606](https://accountable.im/for/saas-startups): A SaaS startup needs three things right in its books: Stripe booked correctly, annual plans spread over the months they cover, and revenue that follows ASC 606, the US standard that recognizes revenue as you deliver.
- [Accounting for AI startups: model API spend, cloud credits and gross margin](https://accountable.im/for/ai-startups): An AI startup's books turn on three costs: cloud hosting, model API usage and the credits that offset them.
- [Accounting for a US subsidiary of a foreign parent: books, a US bank and Form 5472 records](https://accountable.im/for/foreign-founders-us-subsidiary): A US company owned by a foreign founder or parent needs books in dollars, a US bank connected, and a dated record of every dollar that moves between it and its owner, because Form 5472 reports those transactions and a missed form costs $25,000.
- [Accountable for accounting firms: free seats and 30% of every referral](https://accountable.im/for/accounting-firms): Accountable gives an accounting firm a free seat in every client's books, one console that shows every client's close, and a partner program that pays 30% of each referred client's subscription invoices for 12 months, which is $44.70 a month on Pro.

## Free tools

- [Delaware franchise tax calculator](https://accountable.im/tools/delaware-franchise-tax-calculator): Calculate your Delaware franchise tax by the Authorized Shares and Assumed Par Value Capital methods, see which is lower, and what to file by March 1.
- [Startup runway and burn rate calculator](https://accountable.im/tools/runway-calculator): Calculate your startup's runway and net burn from cash, revenue and spend, with monthly growth, and see whether you reach breakeven before cash runs out.
- [Burn rate and burn multiple calculator](https://accountable.im/tools/burn-rate-calculator): Calculate gross burn, net burn and your burn multiple from the last three months of spend and revenue, and see how investors rate it.
- [Accounting software cost calculator: what your books cost for 1 to 10 companies](https://accountable.im/tools/accounting-software-cost-calculator): Monthly and yearly list prices for 1 to 10 companies on Accountable, Kick, Digits, Puzzle, QuickBooks, Xero and Zeni, checked September 30, 2026.
- [1099 checker: does this contractor need a 1099-NEC for 2026?](https://accountable.im/tools/1099-checker): Answer four questions to see if a payee needs a 1099-NEC or 1099-MISC for 2026: the $2,000 threshold, corporations, lawyers, cards and the Feb 1 deadline.
- [Startup tax calendar 2027, with a calendar file for your company type](https://accountable.im/tools/startup-tax-calendar): Every 2027 federal and Delaware tax deadline for a C corp, S corp or LLC, filtered to your company, with a calendar file for Google, Outlook or Apple.
- [Burn multiple calculator, with benchmarks by stage](https://accountable.im/tools/burn-multiple-calculator): Divide net burn by net new ARR to get your burn multiple, then see David Sacks' bands and Scale Venture Partners' averages by ARR. Free, no sign-up.
- [Stripe payout reconciler: turn a payout report into journal entries](https://accountable.im/tools/stripe-payout-reconciler): Upload Stripe's itemized payout report and get one balanced journal entry per payout: revenue, refunds, chargebacks and fees, all in your browser.
- [Startup chart of accounts template (CSV and Excel)](https://accountable.im/tools/chart-of-accounts-template): A 40-account chart of accounts for a US startup, with what goes in each and its QuickBooks and Xero account type. Download it as CSV or Excel, free.
- [Month-end close checklist template for startups](https://accountable.im/tools/month-end-close-checklist): A 12-step month-end close checklist for startups over five business days. Tick it off here or download it as CSV or Excel with owners and dates.

## Help center

Step-by-step articles for every screen, at https://accountable.im/help. Each answers one task with numbered steps. The help center alone: https://accountable.im/help/llms.txt.

### Getting started

- [Set up Accountable in 15 minutes](https://accountable.im/help/getting-started/first-15-minutes): Create your account, add your company, bring your old books or start fresh, and connect your bank. Accountable categorizes everything that comes in.
- [Create your Accountable account](https://accountable.im/help/getting-started/sign-up): Sign up with your work email and a 6-digit code, or with Google. There is no password to set unless you want one.
- [Set up your company](https://accountable.im/help/getting-started/set-up-your-company): Each legal entity is one company in Accountable. Give it a name, country, entity type, the currency its books are kept in, and cash or accrual basis.
- [Start fresh or move your old books](https://accountable.im/help/getting-started/start-fresh-or-move): Pick Start fresh for a new company with no history. Pick Move my books to bring your full history from another tool, with every month-end checked to the cent.
- [Find your way around the app](https://accountable.im/help/getting-started/find-your-way): The sidebar holds your books, the top bar holds Ask and Help, ⌘K finds any page or action, and Settings holds everything about the company and you.
- [Keyboard shortcuts](https://accountable.im/help/getting-started/keyboard-shortcuts): ⌘K searches everything, ⌘J asks Accountable, Control+1 to Control+9 switch company and Control+0 shows all companies (Alt on Windows), and ⌘. hides balances.
- [Change your company's name, fiscal year or timezone](https://accountable.im/help/getting-started/company-settings): Owners and admins change the company's display name, legal name, fiscal year start, timezone and reporting basis in Settings › Company.

### Connect accounts

- [Which banks, cards and payroll tools connect](https://accountable.im/help/connect/connections-overview): Banks and cards link through Stripe by default: you sign in to your bank in Stripe's window and pick the accounts. Mercury, Brex and Ramp can instead connect directly with a read-only API token. Stripe payments connect when you install Accountable's Stripe App with read-only access. Gusto and Rippling send a payroll file, and any bank can send statements.
- [Connect Mercury with a read-only API token](https://accountable.im/help/connect/mercury): Mercury links through Stripe like any bank: press Link a bank or card. To connect it directly instead, create a Read Only API token in Mercury under All Settings › Tokens and paste it into Accountable. Read-only tokens need no IP allowlist.
- [Connect Brex with a read-only user token](https://accountable.im/help/connect/brex): Connect Brex directly: create a user token in Brex under Developer › Settings with read-only access to transactions, accounts and statements, then paste it into Accountable.
- [Connect Ramp with your own API app](https://accountable.im/help/connect/ramp): Connect Ramp directly: create an app in Ramp's Developer settings with the client credentials grant and three read scopes, then paste its client ID and client secret into Accountable.
- [Connect Stripe payments by installing the Stripe App](https://accountable.im/help/connect/stripe): Press Connect on Stripe payments and approve Accountable's Stripe App in Stripe. The app has read-only access to payouts, charges, fees, refunds and disputes, and can't move money.
- [Link a bank or card through Stripe](https://accountable.im/help/connect/other-banks): Every bank and card links through Stripe by default: press Link a bank or card, sign in to your bank and pick the accounts. If your bank isn't listed, upload statements; Mercury, Brex and Ramp can also connect directly with an API token.
- [Connect Deel payroll with an organization token](https://accountable.im/help/connect/deel): Generate an organization token in Deel under More › Developer › Access Tokens with only the accounting:read scope, then paste it into Accountable.
- [Add Gusto payroll with the payroll journal CSV](https://accountable.im/help/connect/gusto): Download the Payroll Journal report from Gusto as CSV and upload it in Connections after each payroll. Each pay run posts one entry, and runs already booked are skipped.
- [Add Rippling payroll with the payroll journal CSV](https://accountable.im/help/connect/rippling): Download Rippling's payroll journal report as CSV, one row per employee per pay run, and upload it in Connections after each payroll.
- [Import a bank or card statement file](https://accountable.im/help/connect/statement-files): Upload a CSV, OFX, QFX or PDF statement from any bank or card. Accountable maps the columns, skips duplicates and checks the closing balance.
- [Add receipts, statements and contracts](https://accountable.im/help/connect/documents-and-receipts): Drop files anywhere in Accountable or forward receipts to your company's own address. Accountable links each file to the transaction or month it proves.
- [Send invoices by email or pick them in Google Drive](https://accountable.im/help/connect/gmail-and-drive): Forward invoices to your company's own address with one Gmail filter or a rule in any inbox, or have vendors send them straight there. Each invoice is booked in the month it covers and matched to its payment.
- [Sync, pause or disconnect an account](https://accountable.im/help/connect/manage-a-connection): Click an account in Connections to see its status, sync it now, stop it posting, upload a statement or disconnect it. Everything already posted stays in the books.
- [Remove a bank account you didn't mean to link](https://accountable.im/help/connect/remove-a-linked-account): One bank login can bring in several accounts, including personal ones. Turn off each account that isn't this company's in Connections so it stops posting.

### Move your books

- [Move your books to Accountable](https://accountable.im/help/move/how-moving-works): Connect your old tool or upload its general ledger. Accountable rebuilds your history, checks every month-end to the cent, and goes live only when you say so.
- [Move your books from Digits](https://accountable.im/help/move/move-from-digits): Press Connect Digits and sign in, or upload Digits' ledger CSV and Financial Package. Every month-end is checked against Digits' own numbers to the cent.
- [Move your books from QuickBooks Online](https://accountable.im/help/move/move-from-quickbooks): Export the General Ledger for all dates with debit and credit columns, plus the Account List, and upload both. Every month-end is checked to the cent.
- [Move your books from Xero](https://accountable.im/help/move/move-from-xero): Press Connect Xero and sign in, or upload General Ledger Detail with a Trial Balance by month. Every month-end is checked against Xero to the cent.
- [Move your books from other accounting software](https://accountable.im/help/move/move-from-general-ledger): Export the general ledger and a trial balance by month from any tool, as CSV or Excel up to 30 MB, and upload them under Spreadsheet. Every month-end is checked.
- [Move your books from spreadsheets and bank statements](https://accountable.im/help/move/move-from-spreadsheets): Upload opening balances and your journal entries as CSV or Excel. Import bank and card statements into their accounts. Opening balances post the day before you start.
- [What moves to Accountable, and what doesn't](https://accountable.im/help/move/what-moves): Your chart of accounts, every transaction, vendors, customers and month-end balances move. Receipts, bank connections and most rules stay behind; the list says which.
- [Move your books from Puzzle](https://accountable.im/help/move/move-from-puzzle): In Puzzle, open Downloads and export General Ledger (detail) as CSV with the Chart of Accounts, then upload both to Accountable's move.
- [Move your books from Kick](https://accountable.im/help/move/move-from-kick): In Kick, open Accounting › General Ledger, set the date range to your whole history and download it as .xlsx, with the trial balance by month for the proof.
- [Move your books from Pilot](https://accountable.im/help/move/move-from-pilot): Pilot keeps your books in QuickBooks Online. Ask Pilot to make you primary admin of that QuickBooks file, then export the General Ledger from QuickBooks and upload it.
- [Move your books from Zeni](https://accountable.im/help/move/move-from-zeni): Zeni runs your books in QuickBooks Online Plus. Ask Zeni to transfer master admin of that file to you, then export the General Ledger from QuickBooks and upload it.
- [How the month-end proof works](https://accountable.im/help/move/month-end-proof): Accountable checks every month-end, account by account, against your old tool and your statements. A month ties only when the difference is exactly $0.00.
- [Go live with your moved books, or undo the move](https://accountable.im/help/move/go-live-and-undo): Nothing is in your books until you press Go live. After that you can undo the whole move for 30 days; your own changes since then stay.
- [Keep a copy of your books in your CPA's QuickBooks](https://accountable.im/help/move/quickbooks-mirror): The QuickBooks mirror copies your Accountable books into a QuickBooks Online file your CPA already uses. It is one way: nothing comes back.

### Categorization

- [How Accountable categorizes your transactions](https://accountable.im/help/categorize/how-categorization-works): Each transaction is categorized by a rule, by Accountable AI with how sure it is, by the bank or payroll feed, or by a person. The reason shows in the transaction's panel.
- [Change a transaction's category](https://accountable.im/help/categorize/change-a-category): Click the transaction, pick a new Category in its panel, and tick Always categorize this vendor this way if you want a rule. Changes in open months apply at once.
- [Answer review questions](https://accountable.im/help/categorize/needs-review): The Needs review tab asks about the payments Accountable isn't sure of, grouped by vendor, one question at a time. One answer can categorize them all and make a rule.
- [Create and edit categorization rules](https://accountable.im/help/categorize/rules): A rule categorizes a vendor or bank text the same way every time. Create one on the Rules tab, preview what it changes, and apply it to past transactions if you want.
- [How Accountable learns from your changes](https://accountable.im/help/categorize/how-accountable-learns): Every time you change a category or answer a question, Accountable works out what it teaches and shows it under the change: Learned: Figma → Research and Development. It applies the lesson to past rows in open months and to every new payment, and one Undo takes it all back.
- [Split a transaction across categories](https://accountable.im/help/categorize/split-a-transaction): Split one payment into several categories from its panel. The lines must add up to the payment before you can save.
- [Categorize many transactions at once](https://accountable.im/help/categorize/bulk-categorize): Select rows with their checkboxes, Shift-click or the Space key, then press Categorize or Mark reviewed in the bar that appears.
- [Answer questions and get the weekly digest in Slack](https://accountable.im/help/categorize/slack-questions): Connect Slack and pick a channel. Questions post on Mondays at 9 AM, anyone can answer with one tap, and the answer applies with their own role.
- [Ask a teammate about a transaction](https://accountable.im/help/categorize/comments-and-assign): Leave a comment on any transaction or month, @mention a teammate, and assign the thread to them. Resolve it when it's answered.
- [Duplicate payments and unusual activity alerts](https://accountable.im/help/categorize/alerts): Alerts flags duplicate charges, unusual amounts, new vendors and vendors paid to a new bank account. Mark each one a real problem or expected.

### Close

- [Close a month](https://accountable.im/help/close/close-a-month): The Close page walks four checks: Book, Reconcile, Adjust and Report. When every check passes, press Lock and the month's numbers stop changing.
- [How the automatic close on the 1st works](https://accountable.im/help/close/bookkeeper-close): At 12:05 AM on the 1st, in your company's timezone, the Bookkeeper runs last month's close and hands you one batch. Approve it and the month is closed.
- [Match an account to its bank statement](https://accountable.im/help/close/reconcile-an-account): On the Close page, upload the account's statement. Accountable matches it to the books, fixes what the statement proves, and asks one question if anything is left.
- [Change something in a closed month](https://accountable.im/help/close/reopen-a-month): A closed month is locked. An owner or controller reopens it with a reason, which is logged; make the change and lock the month again.
- [Set when the close is due and who gets the report](https://accountable.im/help/close/close-settings): In Settings › Close, choose whether you lock each month or Accountable locks it automatically, the day the close is due, and who gets the month-end report.
- [Send the month-end report](https://accountable.im/help/close/month-end-report): Each closed month gets a report page. Edit it, send it by email, or create a read-only link for your CPA or investors.

### Reports

- [Find your P&L, balance sheet and cash flow](https://accountable.im/help/reports/read-your-reports): Reports has five statements: Profit and loss, Balance sheet, Cash flow, Trial balance and General ledger. Pick the months at the top and click any number to see the lines behind it.
- [Compare to last month or last year](https://accountable.im/help/reports/compare-periods): Use Compare on any statement to put the prior period or the same period last year next to the months you picked.
- [Export a report to CSV, Excel or PDF](https://accountable.im/help/reports/export-reports): Every statement exports as CSV, Excel or PDF from the Export menu, and Financial package (zip) bundles them for your CPA. Export is free on every plan.
- [Pick the months you're looking at](https://accountable.im/help/reports/pick-months): The period control shows 24 months: click one, drag across several, pick a preset, or choose Custom for any months, quarters or years. The choice stays when you switch page or company.
- [See your burn and runway](https://accountable.im/help/reports/burn-and-runway): Home shows cash, monthly burn and runway for the month you pick, always on a cash basis. Reports › Analysis breaks spend and revenue down further.
- [Plan hires and runway scenarios](https://accountable.im/help/reports/plan-scenarios): Planning starts from your actual burn. Add hires, cost changes or revenue changes and runway updates as you edit.
- [Draft and send your investor update](https://accountable.im/help/reports/investor-update): Reports › Analysis › Investor update drafts the month's update from your books. Edit it, then send it or share a link.
- [Share a dashboard or report with a link](https://accountable.im/help/reports/share-a-report): Owners and admins share any Analysis view with a link or with named people, with an optional passcode and expiry, as live numbers or a snapshot.
- [See the books as they were on a past date](https://accountable.im/help/reports/time-machine): Time machine shows any report as it was known on a past date, or at each month's close, so you can see what changed since.
- [Get everything your CPA needs for your return](https://accountable.im/help/reports/tax-package): For US companies, Tax › Return has the year's package for your CPA, ready to download once the year is closed. Tax › 1099s prepares your 1099 filings.

### Accounting

- [Switch between cash and accrual](https://accountable.im/help/accounting/cash-or-accrual): Accountable keeps both. Pick the default basis in Settings › Accounting basis, and flip any report between Cash, Accrual or Both. Switching never re-posts anything.
- [Spread prepaid costs, deferred revenue and accruals](https://accountable.im/help/accounting/schedules): A schedule spreads one payment over the months it covers. Create one for prepaid costs, revenue earned over time or a monthly accrual, and it posts each month's share.
- [Depreciate laptops, furniture and other equipment](https://accountable.im/help/accounting/fixed-assets): Capitalize a purchase as a fixed asset and Accountable depreciates it each month over its asset class's life, like 36 months for computer equipment.
- [Post a journal entry](https://accountable.im/help/accounting/journal-entry): Open Accounting › Ledger › Journal entries and press New entry. Debits must equal credits before you can post, and every entry can be reversed or undone.
- [See every line in a bank or card account, with its balance](https://accountable.im/help/accounting/account-register): Transactions › Accounts lists every bank and card with its balance. Pick one to see each line newest first, the balance after it, and the opening balance. It's the register QuickBooks calls a bank register.
- [Add or change accounts in your chart of accounts](https://accountable.im/help/accounting/chart-of-accounts): Your chart of accounts lives in Accounting › Chart of accounts. Add an account with New account; renaming an account keeps its history.
- [Merge and rename vendors and customers](https://accountable.im/help/accounting/vendors-and-customers): Accounting › Vendors and customers lists everyone you pay or who pays you. Rename a vendor from any transaction and future payments follow.
- [Accounts in other currencies](https://accountable.im/help/accounting/currencies): Each company keeps its books in one currency, set when you create it. Accounts in other currencies post at the day's exchange rate, and the difference is booked as a gain or loss.

### Bills and invoices

- [Create and send an invoice](https://accountable.im/help/bills-invoices/send-an-invoice): Open Bills and invoices › Invoices and press New invoice. Add the customer, terms and lines, then press Send: your customer gets a link to pay by card or bank transfer.
- [Take card payments on invoices](https://accountable.im/help/bills-invoices/invoice-card-payments): Open the invoicing settings, press Turn on next to Card payments, create a Stripe key with only Checkout Sessions, and paste it. Customers then pay on Stripe's own page, straight into your Stripe, and the invoice is marked paid.
- [Mark an invoice paid](https://accountable.im/help/bills-invoices/record-invoice-payment): When a payment reaches your bank, Accountable asks Payment for this invoice? Press Yes, mark paid. You can also record a payment yourself with Mark paid.
- [Remind customers who haven't paid](https://accountable.im/help/bills-invoices/invoice-reminders): Press Send a reminder on any sent invoice, or turn on automatic reminders in the invoicing settings. The Aging tab shows who owes you and for how long.
- [Add and approve the bills you owe](https://accountable.im/help/bills-invoices/bills): Upload a bill or forward it to your bills address. Accountable reads it, you review and approve it, and it posts to accounts payable. You pay from your own bank.

### Multiple companies

- [Add another company](https://accountable.im/help/companies/add-a-company): Press ⌘K and choose Add or move a company, or use the last row of the company switcher. Each company gets its own books, members and connections.
- [Switch between companies](https://accountable.im/help/companies/switch-companies): Press Control+1 to Control+9 on a Mac (Alt+1 to Alt+9 on Windows), or pick the company in the switcher at the top of the sidebar. You stay on the same page and months.
- [See every company side by side](https://accountable.im/help/companies/all-companies): All companies (Control+0 on a Mac, Alt+0 on Windows) shows each company's cash, burn and runway, closed-through month and what needs you, one row each. Separate companies stay separate: no combined cash.
- [Build consolidated statements for a group](https://accountable.im/help/companies/consolidated-statements): On Holding, group companies with their ownership and a reporting currency. Accountable combines their statements and removes what they owe each other.
- [Record money between your companies](https://accountable.im/help/companies/intercompany): A New intercompany entry posts both sides at once, in each company's books, so one company's receivable always matches the other's payable.
- [Archive a company you no longer run](https://accountable.im/help/companies/archive-a-company): An owner can archive a company from Settings › Company. Its books become read-only and nothing is deleted; unarchive it any time.

### Accountable AI

- [Hand work to Accountable AI](https://accountable.im/help/ai/ask-a-question): Press ⌘J and say what you need done, like “Recategorize every Figma charge as Software” or “Invoice Acme $12,000 for October”. It does the bookkeeping in your books, shows its sources, and every change is logged and can be undone.
- [Approve or reject a proposed change](https://accountable.im/help/ai/approve-changes): Changes from Accountable AI, agents or teammates that need a second look wait in Approvals. Open one to see why, then press Approve, Reject or Edit.
- [Decide what needs approval](https://accountable.im/help/ai/approval-rules): By default, changes apply at once and can be undone; entries of $5,000 or more, reopening a month and sending outside the company wait. On Approvals › Rules, an owner can make more wait, for people, Accountable AI and agents.
- [Let Accountable AI make some changes without asking](https://accountable.im/help/ai/always-allow): Always allow lets Accountable AI apply one kind of change for you without asking, like categorizing. It's per person and per company, and every change can still be undone.
- [Undo a change](https://accountable.im/help/ai/undo-a-change): Every change in Accountable can be undone: press Undo in the toast or ⌘Z right away, or find it later in Accounting › Activity or Approvals › Applied automatically.

### Claude, ChatGPT and Cursor

- [What connecting Claude, ChatGPT or Cursor does](https://accountable.im/help/agents/agents-overview): Accountable runs an MCP server at accountable.im/mcp. Connect your AI app to it and the app can read your books and, on paid plans, change them within the limits you set.
- [Connect Claude to your books](https://accountable.im/help/agents/claude): In Claude, open Customize › Connectors, add a custom connector with https://accountable.im/mcp, then sign in to Accountable and press Allow. It works in Claude.ai, Claude Desktop and Claude Code.
- [Connect ChatGPT to your books](https://accountable.im/help/agents/chatgpt): In ChatGPT, turn on Developer mode under Settings › Security and login, create a developer-mode app with https://accountable.im/mcp/chatgpt and OAuth, then sign in to Accountable and press Allow.
- [Connect Cursor to your books](https://accountable.im/help/agents/cursor): Add Accountable to ~/.cursor/mcp.json with the URL https://accountable.im/mcp. Cursor opens Accountable's sign-in page the first time it connects.
- [Choose what an agent may change: Guardrails or Full control](https://accountable.im/help/agents/full-control): Guardrails applies an agent's changes at once but holds big entries, reopening months and anything sent outside the company for you. Full control applies everything your role allows.
- [Create a personal access token for scripts and other MCP clients](https://accountable.im/help/agents/access-tokens): For a CLI, a script or an MCP client without sign-in, create a personal access token in Settings › AI and agents and send it as a Bearer token.
- [See what an agent did, or disconnect it](https://accountable.im/help/agents/revoke-an-agent): Every agent change is logged under the app and your name. Undo any of them, or revoke the connection in Settings › AI and agents.
- [Use the API and webhooks](https://accountable.im/help/agents/api-and-webhooks): Accountable's REST API lives at /v1 with an OpenAPI spec. Owners and admins add webhook endpoints in Settings › Developers.

### Team and security

- [Invite your CPA, accountant or a teammate](https://accountable.im/help/team/invite-your-cpa): Open Settings › Members and roles, press Invite, type their email and pick a role. Your CPA's Accountant seat is free on every plan.
- [What each role can do](https://accountable.im/help/team/roles): Owner does everything, Admin runs the books and the team without billing, Member works the books, Accountant is your outside CPA with a free seat, and Viewer reads.
- [Change someone's role or remove them](https://accountable.im/help/team/change-or-remove-member): Click the person in Settings › Members and roles to change their Role or press Remove. They lose access at once; their past changes stay in the log.
- [Transfer ownership of a company](https://accountable.im/help/team/transfer-ownership): The owner clicks the new owner in Settings › Members and roles and presses Transfer ownership. The new owner takes over billing and security.
- [Turn on two-factor sign-in](https://accountable.im/help/team/two-factor): Open Settings › Security, press Turn on next to Two-factor, scan the code with your authenticator app, type the 6-digit code and save your backup codes.
- [Sign in with a passkey](https://accountable.im/help/team/passkeys): Open Settings › Security, press Add a passkey, name it and confirm with Touch ID, Face ID, Windows Hello, a security key or 1Password. Next time, press Sign in with a passkey: no code to type.
- [Require two-factor for your team](https://accountable.im/help/team/require-two-factor): An owner turns on Require two-factor for everyone in Company security. Teammates without it set it up the next time they sign in.
- [Set a password and sign out other devices](https://accountable.im/help/team/sessions-and-password): Settings › Security has your Password, the Sessions where you're signed in with Sign out on each, and your Sign-in history.
- [Set up single sign-on and SCIM](https://accountable.im/help/team/single-sign-on): On Holding, an owner verifies the company's email domain, adds an OIDC or SAML provider, and can require SSO and provision people with SCIM.
- [See who changed what](https://accountable.im/help/team/who-changed-what): Accounting › Activity lists every change with who made it, when and from where, including Accountable AI and agents. Each one can be undone.
- [Give your accounting firm access](https://accountable.im/help/team/give-your-firm-access): Open Settings › Company security › Accountant firm, search for your firm and press Grant access. Its owners and admins get free accountant seats.
- [See every client in one list, for accountants](https://accountable.im/help/team/firm-client-console): Accountants open All my clients from the account menu, or go to /firm: every client's close, questions, approvals and feeds in one list.
- [Add or remove people at your firm](https://accountable.im/help/team/firm-team): On Team, type an email, pick Staff or Admin and press Add. Admins get a seat in every client; staff get one in the clients they lead.
- [Join the partner program and get paid for referrals](https://accountable.im/help/team/partner-program): Your firm's owner accepts the terms on Partner and gets a code and link. You earn 30% of each referred client's paid invoices for 12 months.
- [Pay for a client's plan as their firm](https://accountable.im/help/team/firm-pays-for-a-client): A firm can pay for a client's Pro plan at 30% off: $104.30 a month per client, on one subscription on your firm's card. New clients start that way; existing ones accept an offer.
- [Manage your firm's card and invoices](https://accountable.im/help/team/firm-billing): Firm › Billing shows the one subscription your firm pays for its clients: $104.30 a month per client, the next charge, and each client it covers. Manage billing opens Stripe to change the card, download invoices or cancel.
- [When your accountant's firm pays for your plan](https://accountable.im/help/team/firm-pays-your-plan): If your accounting firm pays for your company's plan, your Billing page names the firm. You can take the plan back at any time, and your books are never deleted if the firm stops paying.
- [Choose which emails you get](https://accountable.im/help/team/notifications): In Settings › Notifications, set each kind of email to Email now, Daily digest or Off. Sign-in codes, invitations and billing emails are always sent.

### Billing

- [What each plan includes](https://accountable.im/help/billing/plans-and-prices): Free is $0 for one company. Pro is $149 a month with 2 companies and $49 for each extra. Holding is $399 a month with 10 companies and $29 for each extra.
- [How the 14-day trial works](https://accountable.im/help/billing/trial): Every new workspace gets Pro for 14 days with no card. Add a card to keep Pro; otherwise the workspace moves to Free and nothing is deleted.
- [Change your plan, card or invoices, or cancel](https://accountable.im/help/billing/manage-billing): The owner presses Manage billing on the Billing page to change plan, update the card, download invoices or cancel. Books are never deleted when a plan ends.
- [What happens to extra companies on Free](https://accountable.im/help/billing/free-plan-limits): Free keeps one company fully usable. Other companies become read-only: still readable, exportable and importable. Pick which one stays active with Keep this one active.
- [Order a cleanup, close review or tax package](https://accountable.im/help/billing/services): Services has done-for-you work at fixed prices: catch-up and cleanup, a month-end close review, and a tax package for your CPA. You pay in the app.

### Export and leaving

- [Export everything: the full data export](https://accountable.im/help/data/export-everything): The data room export is one zip with your statements, general ledger, trial balances, reconciliations, documents, change log and chart of accounts, for any months you pick.
- [Take your books with you if you leave](https://accountable.im/help/data/leaving-accountable): Export the data room zip and the reports your next tool needs, cancel your plan in Billing, and your books stay readable on Free. Nothing is locked in.
- [Delete a company or your account](https://accountable.im/help/data/delete-your-data): Delete a company in Settings › Your data, then your account in Settings › Delete my account. Don't press Restore afterwards unless you changed your mind.

### Troubleshooting

- [Fix a disconnected or late feed](https://accountable.im/help/troubleshooting/fix-a-broken-feed): A feed that needs you shows a red or amber dot in Connections and a banner on Home. Press Reconnect: paste a new token or sign in again, and anything missed backfills.
- [A Mercury, Brex or Ramp connection stopped working](https://accountable.im/help/troubleshooting/token-expired): Token feeds stop when the token is deleted, expires or loses its scopes. Create a new read-only token in the provider and paste it with Reconnect.
- [The books don't match the bank balance](https://accountable.im/help/troubleshooting/books-dont-match-bank): When an account shows Balance mismatch, compare Feed balance and Books balance, same day in its panel, then find the missing, duplicate or misdated transaction.
- [An account is connected twice](https://accountable.im/help/troubleshooting/connected-twice): One bank account linked through two providers never counts cash twice. Accountable asks you to keep one feed or switch, and merges repeats if both already posted.
- [Transactions are missing](https://accountable.im/help/troubleshooting/missing-transactions): Most gaps are a paused account, a feed that needs reconnecting, or days before the connection started. Check the account's panel, sync it, and upload a statement for older days.
- [A transaction shows up twice](https://accountable.im/help/troubleshooting/duplicate-transactions): Imports skip duplicates they recognize, and Alerts flags likely duplicate charges. If one still slips through, check whether it is a transfer, then ask Melinda to remove it.
- [The sign-in code didn't arrive](https://accountable.im/help/troubleshooting/sign-in-code): Codes expire after 10 minutes. Check spam, press Send a new code, and make sure you typed the email your team invited.
- [I can't see a page or a button](https://accountable.im/help/troubleshooting/cant-see-a-page): Pages and buttons depend on your role and plan. Billing and company security are owner-only; Tax shows only for US companies; some features need Pro or Holding.
- [Transactions stopped being categorized automatically](https://accountable.im/help/troubleshooting/categorization-limit): Free categorizes the first 100 transactions each month automatically. After that, new ones wait in Needs review until next month or until you upgrade to Pro.
- [Accountable AI says I've used this month's questions](https://accountable.im/help/troubleshooting/ai-limit-reached): Each plan includes AI questions a month: 20 on Free, 300 on Pro and 1,000 on Holding. The count resets on the 1st; upgrading raises it at once.
- [The move from my old tool stopped](https://accountable.im/help/troubleshooting/move-stopped): If a move says The move stopped, press Try again. If the file isn't a general ledger, upload a new export.

## Optional

- [Full text of every page](https://accountable.im/llms-full.txt): the pages above as Markdown, in one file.