TWO PLANS · PICK HOW MUCH AGENT YOU WANT

Capture the ledger.
Or close it.

Ledger captures, classifies, and certifies every receipt, transaction, and trip — and drafts your Schedule C. Co-pilot adds an agent that closes your month for you and a ledger that answers questions with citations. One flat price either way: no seats, no per-entity upcharge, no "contact sales."

14-day trial · no card upfront · cancel anytime

WHAT YOU GET

LEDGER

Ledger captures.

$12.99/mo

Capture.: Plaid bank feed + receipt OCR + email forwarding + manual mileage. Every transaction, every receipt, every trip lands in one ledger.
Classify.: A Haiku-powered transaction classifier with per-merchant memory. Swipe business or personal on your phone; the model remembers next time.
Compute.: Real-time Schedule C preview per entity, quarterly 1040-ES estimator with safe-harbor math, one-click CSV and PDF export.
Certify.: Hash-chained audit log, EXIF preserved on every receipt image, 7-year retention on Cloudflare R2. If the IRS asks, you have receipts.

See my books

CO-PILOT · THE AGENT TIER

Co-pilot closes.

$16.99/mo

Includes everything in Ledger, plus

A monthly close agent.: An Opus agent reads your transactions, matches receipts, proposes reclassifications, and drafts your Schedule C preview — visibly, stepping through its reasoning, not behind a spinner.
A ledger that talks back.: Sonnet-powered Q&A with clickable citations to every number. Ask "how much did I spend on travel to Laredo this quarter?" Get $2,847 across 8 trips, with the receipts attached.
Deduction Hunter on demand.: (COMING SOON) — trigger a full Opus sweep over the last 90 days whenever you want to verify nothing's been missed. Runs nightly in the background, too.

Most people start here →

Close my month with the agent

QUESTIONS, ANSWERED

Is there a free plan?

Yes. Connect a bank, run the 12-month deduction scan, and keep the savings reveal — no card. Free includes 10 receipts/month and 1 entity for ongoing capture. When you need unlimited receipts, multiple entities, the monthly-close agent, or conversational chat with citations, start a 14-day Co-pilot trial right from the savings reveal — still no card upfront.

What's the difference between Ledger and Co-pilot?

Ledger is the book. It captures transactions, receipts, and trips, keeps them hash-chained and audit-ready, and drafts your Schedule C. Co-pilot is the agent on top of the book — an Opus run that closes your month for you, plus a conversational surface that answers questions in plain English with clickable citations back to the source row. If you want to do the work yourself, pick Ledger at $12.99/mo. If you want the AI to do the work, pick Co-pilot at $16.99/mo. You can switch either way, any time, from the customer portal.

What if I have multiple businesses?

Included in both plans. Every business is an Entity in the app — your receipts, transactions, trips, and Schedule C preview are per-entity from day one. No per-seat, no per-entity upcharge.

Can I cancel anytime?

Yes. Stripe Customer Portal, one click, no lock-in. Your data stays exportable for 30 days in read-only mode, then another 30 days export-only, so you're never stranded at the moment of cancellation.

Who owns my data?

You do. A full export — JSON ledger plus every original receipt image — is a button in Settings. We store on Neon Postgres and Cloudflare R2 with AES-256-GCM at rest; we don't sell, share, or train on your ledger.

What does the agent actually do?

Most tax software captures — receipts, transactions, mileage — and stops there. The Co-pilot agent closes: an Opus run reads your transactions, matches them to receipts, surfaces missed deductions, proposes reclassifications, and drafts a Schedule C preview, visibly stepping through its reasoning rather than disappearing behind a spinner. A conversational ledger sits alongside it — ask "how much did I spend on travel to Laredo this quarter?" and get a number with clickable citations back to the source transactions.

Is my tax data secure?

The audit log is append-only and hash-chained (SHA-256 linking every row to the previous), receipt images preserve their EXIF timestamps for IRS defense, and Plaid access tokens are libsodium-encrypted at rest — they never touch a human operator. The Audit Vault screen shows you the immutable record. If the IRS asks, you have receipts.

Try it for 14 days.

See my books Close my month with the agent