Features

Everything your AI can do with real books

LedgerMCP is a complete double-entry accounting system with an MCP server built in. Below is the full capability set, grouped the way people actually use it, all available to Claude or ChatGPT through 66 tools.

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Your agent, any chat

Split that Amazon charge: half office supplies, half personal.
Split and posted, both sides balanced. The personal half is booked as an owner draw.

Core bookkeeping

The daily work on the books.

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 →

Match transfers

Money 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 accounts

A 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.

Bank feeds and import

Get transactions in three ways, then keep them flowing.

Live bank feeds

Connect a bank through Plaid and transactions arrive on their own, in business or personal mode. Paid plans start here, from $9 per month; Growth and Scale add the built-in assistant.

Statement and CSV import

Hand your agent 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.

Offline accounts

Track any account with no bank connection: a manual checking account, a loan, a brokerage. Set an opening balance and go.

Reconcile and close

Prove the books tie to the bank, then lock the period so it stays that way.

Bank reconciliation

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.
Reconciliation →

Period locks

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.

Books health check

A one-click self-check re-runs all the math from the raw rows and confirms the books still balance: every entry balances and the totals tie out.

Reports and tax

Every figure computed from postings at view time, exportable, and shareable with your accountant.

Financial reports

Profit and loss with period comparison, balance sheet as of any date, trial balance, and spending trends. Drill into any number down to the postings behind it.
P&L, balance sheet, trial balance →

Schedule C

Your year regrouped onto IRS Schedule C lines, with suggested mappings for anything unfiled. Sole-proprietor tax prep, done before you open the form.
Schedule C tax prep →

1099 report

Total 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.
1099 tracking →

Tags for projects and clients

Tag transactions by project, client, or vendor and see money in, money out, and net per tag over any range.

Share with your CPA

Mint 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.

Export everything

One click exports your whole book to CSV: transactions, general ledger, chart of accounts, tags, journal entries, and assets. No lock-in, ever.

Personal finance

Point a book at your own money and the whole product reshapes around it.

Subscriptions and recurring

Every recurring bill and paycheck detected automatically, with alerts for price hikes, double charges, and bills that did not arrive when expected.
Subscription tracking →

Cash-flow calendar

A day-by-day projection of your bank balance through the end of next month, walking your known bills and paychecks forward. Answers will I make rent before it happens.

Budgets and safe-to-spend

A handful of monthly targets, optional rollover for lumpy costs, net worth over time, and one safe-to-spend number. No envelopes to babysit.

Built to be handed to an AI

The features above are only safe to automate because the ledger protects itself.

Every write 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

Rules you set once, like a certain Zelle payment is always rent, are saved to the book so 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. See the full architecture on the security page.

Features, in short

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, and more. A few destructive actions, like permanently deleting an empty account, stay human-only in the web app 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 agent.

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.

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