Monthly bookkeeping for self-employed owners, closed and explained every month.

The problem with doing your own books

Most owners don’t fall behind because bookkeeping is hard. They fall behind because it’s never urgent. One busy month becomes three, receipts pile up in your camera roll, and personal and business charges blur together on the same card.

Then tax time arrives. You either spend a weekend rebuilding the year, or you pay someone to clean it up, and you still don’t know whether you made money last quarter or how much to set aside for taxes.

What you get every month

• Every transaction categorized from your bank and card accounts, using categories that match your tax return.
• Accounts reconciled to your bank and card statements, so the totals are right, not just the labels.
• Closed books by the 15th: profit and loss, balance sheet and a cash summary for the month before.
• A one-page summary in plain English: what came in, what went out, what changed and what to watch.
• A 30-minute review call each month to go through your numbers and ask anything.
• A quarterly tax estimate check, so estimated payments aren’t a guess.

How it works

1. Sign up and connect your accounts. We send a short checklist and set up read-only access to your bank and card feeds, or you upload statements.
2. AI does the first pass. Our tools sort and match each transaction and flag anything unclear, such as a charge that could be personal.
3. A person reviews it. We check the flagged items, ask you about the ones only you can answer, reconcile every account and sign off.
4. You get your report and call. Closed books and your one-page summary by the 15th, then your monthly call.

Who it’s for

Freelancers, consultants, creators, contractors and single-owner LLCs and S-corps with up to 150 transactions and 3 bank or card accounts a month. It fits best when your books are no more than 2 months behind. If you’re further behind, we start with a books cleanup and roll straight into Monthly Books.

What’s not included

Monthly Books doesn’t include catch-up work for past months, tax returns, payroll or sales tax filings. Tax returns are a separate fixed price; see tax returns. If you need more than 150 transactions or 3 accounts a month, we quote it on a call before you start.

Questions

Is there a contract?

No. Monthly Books is month to month. Cancel any time with 30 days’ notice.

Which software do you use?

We work in QuickBooks Online or Xero. If you don’t have either yet, we’ll recommend one on your first call.

Do you need my bank password?

No. We never ask for your banking passwords. Accounts are connected with read-only bank feeds, or you upload statements.

Is a real person involved?

Yes. AI does the sorting and matching. A person reviews and signs off on every account before your report goes out.

Can I learn to do this myself?

Yes, and our free AI for Accounting guides show you how. Monthly Books is for owners who would rather spend that time on their business.