You run the business.
Balances runs the finances.
$300M+ in bank transactions tracked
Connects to Plaid · Stripe · Zapier · Claude
Read-only bank connections · Export your data anytime
Skip the clicks. Just say it.
The tasks that eat your evening, each reduced to a sentence.
The old way
With Balances
The old way
Navigate → Customers → Create Invoice → Fill 9 fields → Save × 200
With Balances
"Create $200 monthly retainer invoices through end of year"
The old way
Pull AR aging → Draft email → Copy invoice number → Send → Repeat
With Balances
Turn on reminders and they go out on their own, each with a pay link.
The old way
Open each transaction → Pick category → Match to vendor → Repeat × 500
With Balances
"Categorize all transactions from Stripe as revenue"
The old way
Keep a spreadsheet, tag every expense by hand, and reconcile it at month end
With Balances
Tag expenses to a job and see its P&L as you go.
The old way
Export bank statement → Cross-reference ledger → Flag mismatches → Adjust entries
With Balances
"Reconcile checking account for February"
The old way
Select report type → Set date range → Choose filters → Export → Reformat in Excel
With Balances
"Send me a P&L for Q4 broken down by client"
The old way
Review every account → Post adjusting entries → Run trial balance → Generate statements
With Balances
"Close the books for February"
Throughout Balances
The paperwork does itself.
Receipts find their bank charge, bills fill themselves in and bank lines arrive with a category. Ask the agent anything about your own numbers.
The whole business. In one app.
Send invoices, track jobs, reconcile your bank and run reports without switching between four tools, in the same books your accountant works in.
Meet your agent
Name it. Give it a personality. Teach it how you work.
Every workspace comes with an agent you talk to in plain English, named Sam by default. Keep the name, switch to Jackson or Jo, or pick your own and describe how it should talk to you. Teach it your rules once, like "book anything from the supply house as Job Materials," and it follows them.
Describe how it should talk to you, in your own words
Save skills in plain English and run any of them by typing /
Share skills with your whole workspace, or keep them to yourself
Ask what a customer owes or when cash gets tight, answered from your own books
One place for everything that needs you
Everything waiting on you, in one queue
The Review feed puts everything waiting on you in one place: new transactions Balances categorized, bank payments it matched to invoices and bills, transfers it paired, reimbursements and drafts. Approve them one at a time, a group at a time, or every bank-line suggestion at once.
Categories, invoice and bill matches, transfers, reimbursements and drafts in one list
Suggestions say why, such as a rule you saved or how you booked that vendor before
Approve one, "Approve all" for a group, or "Approve every bank line" at once
Change a whole group's category or contact, then approve it in one step
Get paid
Invoices, estimates, and payments in one place
Send a branded estimate, let the customer accept it online, and convert it to an invoice in one click. Get paid by card or ACH bank transfer through Stripe, and turn on reminders so late payers get nudged without you writing the emails.
Pay-by-link invoices with card and ACH bank payments via Stripe
Estimates customers accept online, converted to an invoice in one click
Milestone billing, recurring invoices, and automatic reminders
Branded invoices with your logo and colors; emails sent under your business name
Paperwork, handled
Receipts and bills, matched to the bank charge
Email a receipt to your Inbox, or drop it in. Balances reads it and suggests the matching bank charge, and one click files it there, so you avoid entering it twice. Bank statements land as a single reconcile-ready card instead of a pile of rows to sort.
Email receipts to your own Inbox address, or drag them in
Balances reads the vendor, amount and date and suggests the matching contact
Matched to the bank charge with one click, so you avoid entering it twice
Attach contracts, POs, or receipts to any invoice, right from the Inbox
Know your numbers
Reports that actually tell you something
P&L, Balance Sheet, Cash Flow, AR/AP, job profitability and more, computed live from your ledger. Click any number to drill into the exact transactions behind it, compare periods, or export a 1099-NEC CSV for your filer at year end.
Click any line item to drill down to the transactions behind it
Per-job P&L and project profitability
1099-NEC and sales tax reports built in
Period comparisons, plus one-click PDF or Excel export
A second look
Ask for a review of your books
Ask the agent to look over a month and it reads your P&L, balance sheet and the Books checks, then lists what looks off: invoices running overdue, profit that isn’t turning into cash, an outflow with no detail. Each finding says where to fix it.
Reads the statements and the Books checks together
Names each finding and the screen where you fix it
Leaves tax treatment to your accountant
Real accounting underneath
Reconciliation, done properly
Drop your bank statement in chat and the agent finds what your books are missing, books it and reconciles the month. Or enter the statement balance, check off transactions and watch the difference settle to zero. Real double-entry, accrual or cash basis, and multi-currency on the Global plan.
Drop in a PDF statement and the agent reconciles it with you
A live running difference as you check items, with Finish at zero
Multi-currency with automatic FX gain/loss on the Global plan
Accrual or cash basis on a real double-entry general ledger
Every change tracked in a full activity history
Built for more than one
Every company from one login
Run several businesses, or manage a book of clients, without logging in and out. Each workspace has its own books, currencies and team, and you switch between them with a keystroke.
Switch companies from one account
Separate books, chart of accounts, and currencies per workspace
Role-based team access per company
Connected Workspaces to share expenses and bills between companies you run
Switching
Bring your books from QuickBooks, Xero or Wave
Sign in to QuickBooks Online and import your accounts, customers, vendors, transactions and attachments. From Xero or Wave, upload their exports. Start from the beginning or from a date you pick, and the bank feed carries on from there.
QuickBooks Online: sign in, review the plan, press Import my books
Xero: upload its chart of accounts, contacts, journals and trial balance
Wave: accounts, contacts and transaction history
Bring your entire history, or switch over as of a date
And a lot more.
The depth that usually means paying for a second tool — built in.
Jobs & project profitability
Live gross profit and margin on every job.
Automatic payment reminders
Turn on reminders and an invoice gets a short run of emails, from a friendly heads-up before it's due to a firm final notice.
Full data export
Export your whole ledger whenever you want to.
Card-fee surcharge
Pass card fees on to customers. ACH stays free for them.
Recurring journal entries
Depreciation and accruals post on schedule.
Credit memos & vendor credits
Issue and apply credits in either direction.
Tags & custom dimensions
Track by department, location, class, or project.
Invoice milestones
Progress-bill large projects in stages.
Billable expenses
Push job costs straight onto the client invoice.
Create anything from ⌘K
Jump to any page, or start an invoice, bill, expense or journal entry, from the keyboard.
Two ways to use Balances
Pick the one that sounds like you.
Run a business
For your business
Get the finances off your plate so you can get back to billable work.
• Invoice clients, take payments, track jobs
• Bank transactions arrive categorized, ready to approve
• Accrual or cash reports, ready to hand to your accountant
Manage clients
For your clients' books
For accounting firms and bookkeepers: one list of every client, client workspaces your firm owns, and an agent that speeds up cleanup.
• One list showing what’s waiting at every client
• An agent that helps with categorization and cleanup
• Your team as admins or members; clients keep their own seats
• Built to work alongside the accountant, never to replace one
Just want to track your personal finances? Personal is free forever →
Pricing
Start free for your personal finances and upgrade when you launch a business. Business plans include a 14-day trial, and you can cancel anytime.
Personal
For your personal finances
Free
forever
Unlimited bank & credit card accounts
Automatic transaction categorization
Budgets & spending insights
Net worth & cash flow tracking
Forward expenses to your business
No credit card required
Pro
Complete accounting for one business
$20
per business / month
Unlimited bank & credit card accounts
An AI agent you ask in plain English
MCP connector for Claude and ChatGPT
Auto-categorize transactions
Connect banks via Plaid or CSV
Send invoices with payment links
Automate recurring invoices
Track bills and payables
Employee reimbursements
17 reports with PDF and Excel export
Accrual and cash basis
Unlimited team members
Global
For one business operating internationally
$40
per business / month
Everything in Pro, plus:
Invoice and bill in any currency
Foreign currency bank accounts
Track FX gains & losses automatically
Live exchange rates built in
Personal is free forever. Pro and Global are priced per business, so each company you add is its own $20 or $40 per month subscription, with unlimited team members included. Business plans include a 14-day free trial. Cancel anytime. Prices in USD. Questions? Contact us
Balances on your iPhone
Snap receipts, approve transactions in Review, and ask the agent questions from your phone. Everything stays in sync with the web app.
Cash and who owes you
Approve suggestions
Snap receipts and bills
Ask the agent
Most accounting software was designed 20 years ago. You click through menus, fill out forms, and wait for reports.
We think you should just be able to say what you need.
So we built Balances around the agent. It isn't a feature — it's the interface.
Alex Campbell
Founder, Balances