AI bookkeeping software built for US small businesses

AI bookkeeping software does the daily ledger work a bookkeeper would: it categorizes each bank and card transaction, matches deposits to open invoices and payments to bills, reconciles accounts against the statement, and keeps the P&L and balance sheet current. You review what it is unsure about instead of keying everything in.

• Categorizes bank and card transactions to the right account
• Matches deposits to invoices and payments to bills
• Reconciles each account against the bank statement
• Flags duplicates, odd amounts and missing receipts for review
• Keeps the P&L, balance sheet and cash flow current every day

The rules the AI follows are US rules, so the books are ready for your CPA and for the IRS without a year-end cleanup.

• Bank and card feeds through Plaid, covering 11,000+ US institutions, read-only
• An IRS-aligned chart of accounts, so expenses land in Schedule C categories
• Contractor payments tracked per vendor for Form 1099-NEC ($2,000 threshold for 2026 payments)
• Sales tax you collect held as a liability, with multi-state rates
• Year-to-date profit on the P&L to base quarterly estimated tax on

Most transactions repeat: the same vendors, the same customers, the same amounts. The AI handles those on its own. A new vendor, a split payment or an unusual amount goes to a review queue with the AI’s suggestion attached, and your choice becomes a rule for next time. Every entry it makes can be opened, changed or reversed.

A bookkeeper brings judgment and is worth it for complex books; doing it yourself in a spreadsheet is free but slow and easy to fall behind on. AI bookkeeping software sits between: the routine work is done daily, and your bookkeeper or CPA reviews the exceptions instead of the whole ledger. Many US firms use both, with the accountant invited as a user.

Start on HelloBooks Free at $0/mo: up to 200 transactions, 1 live bank feed, 2 users and free AI credits to get started. When they run out the books keep working by hand. Pro is $39.99/mo per entity with unlimited users, unlimited bank connections and more AI credits.