Finally, accounting
software that follows directions.
Connects to Plaid · Stripe · Zapier
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
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.
Your AI coworker
Not Clippy. A coworker you train.
Balances isn't a chatbot bolted into the corner — it's a coworker you teach. Tell it how you work, in plain English: "I'm cash-basis, always book the hardware store as Job Materials, and don't bug me about coffee under $25." It remembers, and runs your books your way.
Teach it your preferences with Agent Skills — it works the way you do
Ask "when do I run out of cash?" or "what will I owe in taxes?" — answered from real numbers
It drafts invoices, categorizes transactions, and posts entries on request
It gets more accurate every time you correct it
One place to do all your bookkeeping
Everything the AI touched, in one queue
The Review feed puts all your bookkeeping in one place. New transactions it categorized, receipts it matched to invoices and bills, transfers it paired, reimbursements and draft documents — all waiting in one list. Approve them one at a time, in batches, or clear the whole queue at once.
Categorizations, invoice & bill matches, transfers, reimbursements, drafts — one list
Every suggestion shows a confidence level before you approve
Approve one, "Approve all" a batch, or "Approve everything" at once
Change a whole group's category or contact, then approve it in one step
Keyboard first
Create anything in two keystrokes
Press ⌘K from anywhere to jump to any page or spin up any record — an invoice, a bill, an expense, a journal entry, a contact — without hunting through menus.
⌘K opens the command palette from any screen
Create invoices, bills, expenses, deposits, journal entries, and contacts
Jump straight to any page or report
Keyboard-first — arrow to navigate, Enter to go
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 Balances chases the late payers so you don't have to.
Pay-by-link invoices with card and ACH bank payments via Stripe
Estimates customers Accept online — one click to convert to an invoice
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 that file themselves
Email a receipt to your Inbox, or drop it in. Balances reads it, finds the matching bank charge, and files it without 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
OCR fills in the vendor, amount, and date — new vendors created for you
Auto-matched to the bank charge, 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 — 17 reports, computed live from your ledger. Click any number to drill into the exact transactions behind it, compare periods, or hand your accountant a clean 1099 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
Real accounting underneath
Reconciliation, done properly
Enter the statement balance, check off transactions, and watch the running difference settle to zero — the same way you'd do it in QuickBooks or Xero, just faster. Real double-entry, accrual or cash basis, and full multi-currency underneath it all.
Live running difference as you check items — Finish activates at zero
Multi-currency with automatic FX gain/loss
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. Switch between workspaces in a keystroke — each with its own books, currencies, and team.
Switch companies instantly 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
Move from Wave without starting over
Import your full history from Wave — chart of accounts, contacts, bank connections, and every transaction — in a few minutes. Onboarding asks what you're coming from and sets a clean changeover date, so nothing gets double-counted.
Full Wave import: accounts, contacts, banking, and transaction history
Bring your entire history, or switch over as of a clean date
Connect Plaid to imported accounts — matched by last four, with duplicate detection
Coming from QuickBooks or Xero? The agent guides your changeover
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
Escalating nudges go out until you're paid.
Full data export
Export your whole ledger anytime. No lock-in.
Card-fee surcharge
Pass card fees to payers — ACH stays free.
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.
Pricing
Start free for your personal finances. Upgrade when you launch a business — 14-day trial, cancel anytime.
Personal
For your personal finances
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
Pro
Complete 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
17 reports — PDF & Excel export
Accrual and cash basis
Unlimited team members
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
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.
• Invoice clients, take payments, track jobs
• AI categorization and reconciliation
• Accrual or cash reports, ready to hand to your accountant
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 →
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