Free AI bookkeeping software
Free bookkeeping software, and you can connect it to Claude or ChatGPT.
Real double-entry books, every report, unlimited businesses, free. Hand your AI a bank statement and it imports, categorizes, and reconciles. Or do it yourself in the app.
Works with the AI you already have
A month-end close is now a sentence
This is the whole workflow. You talk to the agent you already use; it operates the books through 63 MCP tools, the same ledger you see in the app.
Your agent, any chat
Every one of those writes is in the audit log, attributed to the agent’s key and reversible in one click.
What hit the books
- 84 transactions imported
import_transactions - 81 categorized, 3 flagged for review
bulk_categorize - 2 transfers matched, posted once
confirm_transfer - Depreciation booked for June
book_depreciation - Books locked through June 30
set_lock_date
Trial balance difference$0.00
Any MCP client, one key, 63 tools. Developer setup ↓
Connect the AI you already use
Pick your assistant for the exact steps. No SDK, no install — most people are done in under a minute.
claude.ai, Desktop, mobile
- 1
Open Settings, then Connectors, then Add custom connector.
- 2
Paste https://ledgermcp.com/mcp and confirm.
- 3
Sign in with a 6-digit email code. Claude now has your books.
What you get
Catch-up in an afternoon
Months behind? Hand your agent the statements. Bulk import and bulk categorize were built as the migration workhorses; one bad row never blocks the rest.
A 1099 report your CPA accepts
Tag vendors as you go (your agent does it while categorizing) and the year-end 1099 report is ready: totals per vendor, $600 threshold flagged, missing W-9s called out.
Books that tie to the bank
Reconcile any account against its statement, down to the cent. Transfer and duplicate detection keep the feed clean, and nothing posts twice.
Reports computed live
P&L, balance sheet, and trial balance derive from the postings the moment you ask, in the app or by asking your agent a question in plain language.
And a UI when you want one
The agent does the work; you get a clean monochrome interface to check it. Dashboards, drill-through reports, reconciliation, and 1099 prep, with every figure computed live from the same postings your agent writes. Nothing to reconcile between the AI and the UI: they read the same books.
Receipts on the transaction
Drop a receipt onto any transaction, or let your agent attach it as it categorizes the expense. Stored privately, and it travels with your export.
Tags for vendors, projects & clients
Tag who and what for. Costs roll up per tag, and a vendor's 1099 total is ready at tax time. Your agent tags as it categorizes.
For developers
One URL. Any MCP client. Sixty-three tools.
LedgerMCP is a hosted, streamable-HTTP MCP server. No SDK, no local subprocess, no per-company setup. Point Claude, Claude Code, ChatGPT, Cursor, or your own agent at it and the full 63-tool accounting contract is available.
- →Read-only keys. Mint a scoped key for an agent that should analyze but never write a line.
- →Keys are hashed at rest. API keys are SHA-256 hashed and revocable; the plaintext is shown once.
- →One key, every book. The same credential covers every business on your account; tools take a
business_id.
{
"mcpServers": {
"ledgermcp": {
"type": "http",
"url": "https://ledgermcp.com/mcp",
"headers": { "Authorization": "Bearer lmcp_YOUR_KEY" }
}
}
}Paste into claude.ai connectors, Claude Code, ChatGPT, Cursor, or any MCP client. Swap in a key from Settings → Agent access.
Built to be trusted with money
An agent is writing to your books. The guarantees below are enforced in the database and the transport, not left to good behavior.
Always balanced
Debits must equal credits or the database rejects the entry. An agent literally cannot post books that don’t balance.
Every write, logged and reversible
Every change an agent makes lands in a running log, tied to its key. Undo any of it in one click from Settings; nothing is ever quietly edited or deleted.
Encrypted bank access
Bank tokens are sealed at rest with AES-256-GCM, over TLS 1.2+. The browser never holds a database credential; everything goes through the server.
The full picture (architecture, encryption, and policies) is on the security page.
The software is free
Unlimited businesses, reports, and MCP access, free forever with no card. Live bank feeds are the one paid feature, priced by connected accounts across your whole account.
Keeping personal books instead of business ones? Personal finance mode is free too.
Frequently asked
Is it safe to let an AI do my bookkeeping?
Yes. It is safer here than in a spreadsheet, because the safety is in the database, not in the AI. Entries must balance or they are rejected, postings can never be edited or deleted, and every agent write lands in an audit log you can reverse in one click. The agent works fast; the ledger keeps it honest.
What happens if the AI makes a mistake?
You undo it in one click. Every agent action is recorded in an append-only audit log with a reverse button next to it. Corrections post as linked reversals, so your history stays intact and you can always see what happened and when.
What is LedgerMCP?
LedgerMCP is real double-entry bookkeeping with a Model Context Protocol (MCP) server built in. Connect Claude or ChatGPT with one key and your AI agent imports statements, categorizes, reconciles, and closes the month, on books that always balance.
Do I need to know accounting or how to code?
No. Hand your agent the key and ask in plain language: “import this statement and categorize it.” The clean web app is there whenever you want to check the numbers yourself.
Which AI assistants can keep my books?
Any MCP client: Claude (claude.ai connectors, Claude Code, Desktop), ChatGPT, Cursor, or your own agent. You paste one snippet and the agent gets the full toolset.
Is it real double-entry accounting?
Yes. Every categorization posts a balanced journal entry, checked in the database rather than hoped for in app code. Trial balance, P&L, and balance sheet all derive live from the postings.
What does it cost?
The software is free: unlimited businesses, reports, and MCP access, no card required. Live bank feeds are the one paid feature, from $9/mo priced by the number of connected accounts.
Do you store my bank login?
No. Bank connections go through Plaid; access tokens are sealed at rest with AES-256-GCM and are never exposed to the browser. You can also skip bank feeds entirely and use CSV or manual entry.
Can I keep books for more than one business?
Yes, unlimited businesses on one account, free. Each has its own chart of accounts, transactions, and reports, and one API key covers them all. Accountants and bookkeepers invite staff as members and give clients a review-only view.
Can I use it without an AI agent?
Yes. Log in and use the web app directly: import CSVs, categorize, reconcile, attach receipts, and export every report. The agent just automates the same books.
Give your agent the keys.
Books in one minute, free. Start with CSV and manual entry; connect a bank when you want the feed to flow on its own.
Start free, no card