Accounting software
that works for you.
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
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
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
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
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
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. 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
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.
Balances is built from the ground up around AI—not bolted on as an afterthought.
Alex Campbell
Founder · ex-Pilot.com, ex-Xero
What's new
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Made with love in San Francisco, California.
© 2026 Balances, Inc.