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NewMatch a receipt to its bank charge in one click — no duplicates

Accounting software
that works for you.

Start Free — 14 Day Trialor book a 15-min demo →

Connects to Plaid · Stripe

Bank-level security · Your data stays yours

Skip the clicks. Just say it.

Every accounting task, reduced to a single instruction.

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

Automated reminders fire on their own. Payment links inside.

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

Maintain a spreadsheet. Hope you tagged everything. Reconcile at month end.

With Balances

Tag expenses to a job. See per-job P&L in real time.

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"


The whole business. In one app.

Get paid, keep the books, track the work, answer to the IRS — without four different tools.

Get paid

Invoices, payment links, and automatic reminders

Send a professional invoice in under a minute. Your customer pays with one click. Balances chases them if they don't — so you don't have to.

Pay-by-link invoices with Stripe built in

Automated 4-tier payment reminders

Recurring invoices for retainer clients

Estimates that convert to invoices with one click

Invoices, payment links, and automatic reminders
Estimates that turn into invoices in one click

Quote to cash

Estimates that turn into invoices in one click

Send an estimate. Your customer accepts online with a single click. The estimate converts straight into a draft invoice — every line item, price, tax rate, and discount carries over. Your books pick up where your sales pitch left off.

Customers Accept or Decline online via a share link

One-click conversion of accepted estimates to invoices

Track Draft / Sent / Accepted / Declined / Converted

Service Catalog for reusable line items

AI bookkeeping

Your books, handled

Connect your bank. Balances categorizes every transaction, matches payments to invoices, and learns your conventions. You just review what it didn't figure out on its own.

AI categorization that learns from every correction

Skip the LLM entirely for known merchants

Bulk-approve a whole vendor group in one click

Ask the agent to do the rest in plain English

Your books, handled
Reports that actually tell you something

Know your numbers

Reports that actually tell you something

Every report — P&L, Balance Sheet, Cash Flow, AR/AP, job profitability — live, always up to date. Click any number to drill down to the transactions behind it.

Per-job P&L and project profitability

Click any line item to see the transactions

Quarterly and fiscal-year P&L grouping

Federal + state tax estimation (preview)

Real accounting underneath

Statement reconciliation, the way your accountant expects

Enter the statement balance, check off transactions, watch the running difference settle to zero. Cleared rows highlight, out-of-period rows dim, and Finish only activates when the difference hits zero — the same flow you'd run in QuickBooks or Xero, just faster.

Live running difference as you check items

Multi-currency reconciliation (USD, EUR, GBP, JPY, KWD)

Statement attachments stored on the Files page

Re-verify drifted reconciliations in one click

Statement reconciliation, the way your accountant expects

Simple, transparent pricing

Start free for your personal finances. Upgrade when you launch a business — 14-day trial, cancel anytime.

Personal

Personal finances, made effortless

Free

forever

Unlimited bank & credit card accounts

AI-powered transaction categorization

Budgets & spending insights

Net worth & cash flow tracking

Forward expenses to your business

No credit card required

Get Started Free
Most popular
Pro

Full-featured accounting for your business

$20

per month

Unlimited bank & credit card accounts

AI bookkeeping agent

Auto-categorize transactions

Connect banks via Plaid or CSV

Send invoices with payment links

Automate recurring invoices

Track bills and payables

Employee reimbursements

13+ reports — PDF & Excel export

Accrual and cash basis

Unlimited team members

Try Pro Free for 14 Days
Global

For businesses operating internationally

$40

per 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

Try Global Free for 14 Days

Personal is free forever. Business plans include a 14-day free trial. Cancel anytime. Prices in USD. Questions? Contact us

Two ways to use Balances

Pick the one that sounds like you.

Run a business

For your books

Get the accounting off your plate so you can get back to the work. Ideal for small businesses, service firms, agencies, and trades.

Invoice clients, take payments, track jobs

AI categorization and reconciliation

Reports your accountant will thank you for

Start free trialSpecifically for trades →

Manage clients

For your clients' books

Accounting firms and bookkeepers: serve more clients in less time. One dashboard, role-based access, agent-assisted cleanup.

One dashboard across every client workspace

Agent-assisted categorization and cleanup

Role-based access — clients, staff, partners

Just want to track your personal finances? Personal is free forever →

Why we built this

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.

Balances is built from the ground up around AI—not bolted on as an afterthought.

Alex Campbell

Founder · ex-Pilot.com, ex-Xero


Changelog

What's new

June 2026

June 27

Editable Reimbursement Dates & Assistant Short-Payment Routing

The date on any draft reimbursement is now editable — a mis-typed trip date is a quick fix instead of a void-and-recreate — and multi-currency exchange rates recalculate automatically. Tell the assistant exactly where a short-payment difference should post (e.g., foreign-tax withholding to a receivable account), matching the account-picker control on the reconciliation page.

June 26

Choose Where Short-Payment Differences Post, Receipt-Match Confirmations & Per-Account Payment Controls

When a deposit comes in short of the invoice — a withheld processor fee, a wire fee, or foreign tax at source — pick exactly which account the difference posts to, so fees land right and foreign-tax withholding can be booked as a reclaimable asset. Toggle payment receipt on individual balance-sheet accounts from Settings → Chart of Accounts. The "Match & file" receipt flow now confirms before filing, shows every candidate when amounts tie, can attach to an already-categorized charge, and marks filed receipts with a "Matched" label and a receipt icon on the bank line. Plus Quarter/Year/Fiscal-Year grouping on Activity by Contact, unified Inbox status labels across web and mobile, permanent Inbox file deletion, iOS Products & Services management (private beta), and faster multi-currency dashboard and reports.

June 25

Match & File Receipts to Bank Charges, Books Health Checks (early access) & Smarter Opening-Balance Setup

Forward a receipt to your Inbox and, when the matching card charge imports from your bank feed, Balances detects the match and offers a one-click "Match & file" — filing the receipt and categorizing the charge with no duplicate expense. New Books Health checks (early access) catch issues before month-end: vendors categorized inconsistently, and duplicate vendor contacts you can merge in a click. Opening-balance setup now waits for your history to sync, then nudges you with a suggested amount based on your actual transactions. And during statement reconciliation, the assistant sorts unmatched transactions into duplicates vs. unexplained and can clear dozens of duplicates in one pass.

View full changelog

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