99.9%
Categorization accuracy
on v1.4 held-out eval
on v1.4 held-out eval
The AI accountant
The work a bookkeeper does, before you wake up.
Every night at 3:00 ET, BooksGPT runs against your ledger. Auto-posts what it's confident about, queues anything weird for your review, ties the books to your bank statement, and emails a daily digest. By the time you open the app, last night's books are done.
2.1s
Avg time to categorize
47 transactions
47 transactions
3:00 ET
Nightly run, before
your day starts
your day starts
50K
Real transactions in our
published eval set
published eval set
Auto-categorization
Every transaction. The right account. First try.
The AI ingests your full chart of accounts, your industry's playbook, and your prior history with every merchant. It picks the account, the class, the customer or job. And only auto-posts when its confidence crosses the high-confidence threshold.
- 92% auto-post rate on a typical month. The rest land in a 30-second review queue.
- Industry-tuned playbooks for 12 verticals. Your COA arrives pre-populated.
- Stripe / Square / PayPal payouts auto-split into fees vs. net revenue. No more duplicate income.
- Every entry has an activity log citing the rule, the prior matches, and the confidence score.
Tonight · 47 transactions categorized
Auto-posted last night
RUN_20260514_0312ET
S
Income · Services
+$2,480.50
Stripe payout
payout_8a2f4d1c · split fee/net
AWS
Software · Cloud
−$312.00
AWS · us-east-1
12 prior matches · 98% conf.
HD
Materials & parts
−$487.32
Home Depot #6072
Pro Xtra · job site
S
Vehicle · Fuel
−$62.40
Shell #4128
Fleet card · 12 prior matches
OA
Software · AI
−$48.00
OpenAI · API usage
3rd month, same plan
1 anomaly · flagged for review
vs. 6-mo baseline
Whole Foods charge is 4× the usual amount
$412.18 vs. ~$103 average · last 6 months
Confirm once, and we'll learn the new baseline.
−$412.18
6-mo avg charge
$103.40
Tonight's charge
$412.18 +299%
Prior charges
38in 6 mo.
Confidence
99.4%anomaly
Anomaly detection
The unusual, surfaced. Before it's a problem.
Every transaction is scored against your 6-month baseline. A 4× spike at a known merchant, a brand-new vendor, a charge outside business hours. The AI surfaces each one with the math that flagged it. You confirm or correct in a single click.
- Z-score on amount against the rolling 6-month merchant baseline.
- New vendor detection. Every first charge from a new merchant gets a review prompt.
- Duplicate & reversal detection. Stripe-to-bank double-postings caught automatically.
- Fraud alerts. Out-of-pattern geos and merchant codes flagged before they post.
Monthly close
Books close on the 5th. Like clockwork.
By the 5th of every month, your prior month is closed: reconciliations done, accruals booked, sales-tax estimated, exceptions logged. You get a close package by email. Your CPA gets read-only access if you want it.
- Bank reconciliations against statement balance to the penny.
- Accruals & deferrals for recurring subs, payroll, and prepaid expenses.
- Sales tax estimate per state, based on your nexus map.
- Close package PDF: P&L, BS, Cash Flow, exception log, signed.
April 2026 close · in progress
CLOSE-2026-04
May
01
Bank statement loaded · reconciled to the penny
All 4 accounts. Ending balances tie. 0 exceptions.
May
02
Accruals booked · 7 recurring subscriptions
Stripe, AWS, Google Workspace, payroll prep. Reversed on May 1.
May
03
Sales tax estimated · 3 states
CA, NY, TX nexus active. Ready for filings on the 20th.
May
05
Close package emailed · today, 6 AM
P&L, BS, Cash Flow, exceptions. To you + CPA (read-only).
How the AI is wired
Three models. One audited ledger.
The AI accountant isn't a single LLM call. It's a graph: one model to categorize, one to reconcile, one to surface anomalies. Each writes to the ledger only after passing your confidence threshold.
1
Category model
Fine-tuned on 50K real SMB transactions across 12 industries. Outputs an account, a class, a confidence score, and a citation to the prior match it learned from.
2
Reconciliation model
Pairs transfers, refunds, and reversals across accounts. Splits Stripe/Square/PayPal payouts into fees and net. Trial balance ties to bank to the penny.
3
Anomaly model
Z-scores amount and frequency against your rolling baseline. Flags new vendors. Detects duplicates and fraud-pattern merchant codes before posting.
Read the 14-page eval methodology PDF for the confusion matrix, the per-industry breakdown, and the exact transactions we still miss.
Stop spending Sunday on the books.
The AI accountant is included in every BooksGPT plan. No subscription. No usage gotchas. Just books, done.