Everything your AI can do with real books.
Double-entry books with an MCP server built in. Everything below is available to Claude or ChatGPT through 74 tools, and all of it works in the web app without an AI.
Unlimited books, free.
Categorization
Every category posts a balanced entry.
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Business Checking, June
| Date | Merchant | Description | Category | Amount | Reviewed |
|---|---|---|---|---|---|
| 06/25 | Square daily sales | Sales Revenue | +$8,494.00 | ||
| 06/19 | Meta and Yelp local ads | Advertising | −$446.00 | ||
| 06/18 | Pacific Cup Co needs review | −$2,984.00 |
Bank reconciliation
Tied to the statement. Proof saved.
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Financial reports
Computed the moment you ask.
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P&L, June
Schedule C
Each category mapped to its Schedule C line.
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Coffee Company, June
1099 report
Who crossed the threshold, who still owes a W-9.
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Subscriptions and recurring
Every recurring bill found, every price hike caught.
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Recurring · Business Checking
- Gustomonthly · on time$6,797.00next 07/28
- Square feesmonthly · on time$1,204.00next 07/27
- Meta and Yelpmonthly · on time$446.00next 07/19
Every action logged and reversible. Every AI action lands in a log, tied to the key that made it, and reverses with one click.
A durable operating manual. Set a rule once, like a certain Zelle payment is always rent, and it is saved to the book. Every future session keeps the books the same way.
It cannot break the math. Every entry must balance and nothing can be quietly edited or deleted.
01 · Core bookkeeping
The daily work on the books.
Your AI does it, and you confirm what it flagged.
Categorize and split
Assign each transaction to a category, or split one charge across several. Every assignment posts a balanced journal entry. Corrections reverse and re-post.
Transaction categorization →Split that Amazon charge: half office supplies, half personal.
| Date | Merchant | Description | Category | Amount | Reviewed |
|---|---|---|---|---|---|
| 06/14 | Amazon office supplies | Office Supplies | −$92.00 | ||
| 06/14 | Amazon personal | Owner’s Draw | −$92.00 |
One charge, two rows.
- Match transfersMoney moving between your own accounts is detected and booked as a transfer, never counted as income or expense. You confirm; the ledger never guesses on its own.
- Journal and chart of accountsA real general journal and a chart of accounts you can add to, rename, and archive. Post manual adjustments, draws, and opening balances directly when you need to.
02 · Bank feeds and import
Transactions arrive three ways.
Live feeds, a statement file, or by hand.
Statement and CSV import
Hand your AI a CSV, OFX/QFX, or PDF statement and it imports the rows, de-duplicated. Free on every plan, and the fastest way to clear months of backlog.
How it works →Here’s my June statement. Import it.
84 transactions imported
- Live bank feedsConnect a bank through Plaid and transactions arrive on their own, in business or personal mode. Paid plans start here, from $9/mo; Growth and Scale add the built-in assistant.
- Offline accountsTrack any account with no bank connection: a manual checking account, a loan, a brokerage. Set an opening balance and go.
03 · Invoices and bills
Invoices and bills on the same books.
Nothing to copy from a second app.
Send invoices, record bills
Record bills as they arrive and send invoices from a hosted page with your logo and your payment link on it. Recurring invoices, a free link on every plan, email sending on paid plans.
Name your rates once. Each invoice carries one, the tax share lands in Sales tax payable when the customer pays, and the sales tax report totals invoiced and collected by rate.
What each plan includes →Invoice, paid June 25
04 · Reconcile and close
Prove the books tie to the bank.
Then lock the period so it stays that way.
Tie out, then lock the month
Tie each account to its statement, by ending balance or a check-off worksheet. Every tie-out is saved as proof, and a mismatch returns a ranked list of the likely culprits.
Once a month is closed, lock it. Nothing, human or AI, can post into a locked period. Your January numbers in July are the same ones your CPA saw in February.
Bank reconciliation →Business Checking, June
- Reconciled to the statement, $0.00 difference
- Trial balance ties
- Depreciation booked for June
- Books health checkA one-click self-check re-runs all the math from the raw rows: every entry balances and the totals tie out.
05 · Reports and tax
Reports are computed when you open them.
Export one, or share it with your accountant.
Reports that drill to the entry
Profit and loss with period comparison, balance sheet as of any date, trial balance, cash flow statement, and spending trends. Drill into any number down to the entry behind it.
Create a read-only link to a single report and date range. It expires on a schedule, is never indexed, and gives your accountant the numbers with no login.
Financial reports →Coffee Company, June
- Schedule CYour year regrouped onto IRS Schedule C lines, with suggested mappings for anything unfiled. Sole-proprietor tax prep, done before you open the form.
- 1099 reportTotal paid to each vendor for the year, with the year’s reporting threshold and missing W-9s flagged. Hand it to your CPA at year end.
- Tags for projects and clientsTag transactions by project, client, or vendor and see money in, money out, and net per tag over any range.
- Export everythingOne click exports your whole book as a ZIP: transactions, general ledger, chart of accounts, tags, journal entries, and assets as CSV, plus your receipts and their files. No lock-in, ever.
06 · Personal finance
Point a book at your own money.
The whole product reshapes around it.
Thirty days ahead
A 30-day projection of your bank balance, day by day, walking your known bills and paychecks forward. Answers “will I make rent?” before it happens.
Personal finance →Business Checking, Jul 1 to Jul 30
- Subscriptions and recurringEvery recurring bill and paycheck detected automatically, with alerts for price hikes, double charges, and bills that did not arrive when expected.
- Budgets and safe-to-spendA handful of monthly targets, optional rollover for lumpy costs, net worth over time, and one safe-to-spend number. No envelopes to babysit.
- + Match transfers
- + Journal and chart of accounts
- + Live bank feeds
- + Offline accounts
- + Invoices and bills
- + Sales tax
- + Period locks
- + Books health check
- + Tags for projects and clients
- + Share with your CPA
- + Export everything
- + Cash-flow calendar
- + Budgets and safe-to-spend
Questions
Common questions.
Do these features cost extra?
No. The software is free; the paid part is live bank feeds, from $9 per month, and the built-in assistant included on Growth and Scale.
Does the AI have every feature a human does?
Nearly. The MCP tools mirror the web app almost one to one: importing, categorizing, splitting, transferring, reconciling, tagging, reporting, budgeting. A few destructive actions, like permanently deleting an empty account, stay human-only on purpose.
Can I use LedgerMCP without an AI at all?
Yes. Every feature on this page has a full web interface. The AI just automates the same books. Many owners run entirely in the web app and never connect an AI.
Is this for business books or personal finance?
Both. Each book has an entity type, business or personal, and gets the features that fit it. One account can hold unlimited books of either kind.
Try any of it with your own numbers.
See the whole feature set on one month of transactions.
Works with any MCP client.
The $2,000 1099 threshold applies to payments made in 2026.