Bookkeeping
Every transaction coded to the right account, with the source document attached and the reasoning recorded. No spreadsheet hand-offs.
| OFOffice Depot | −$84.32 | Supplies |
| SBSbank | −$1,200.00 | Software |
| UNUber | −$238.16 | Travel |
The AI-agent-first accounting firm
Your books,
continuously closed.
Accruna runs your accounting with a team of specialised AI agents. They code transactions, reconcile every account, chase documents and keep your reports current — daily, not at month-end. Experienced accountants step in where judgment actually matters.
Accurate books. Brighter tomorrows.
100%
| Close task | Volume | Status |
|---|---|---|
| Bank reconciliation | 1,248 transactions | Reconciled |
| Invoices | 342 invoices | Completed |
| Expenses | 876 expenses | Completed |
| Journal review | 42 entries | Completed |
| Month-end close | All tasks | Completed |
Exceptions
3
View exceptions
6 agents active on this ledger · human review queue: 3 items
Reads from the tools your finance stack already uses
QuickBooks
Xero
Stripe
Ramp
Gusto
Mercury
Bill.com
How the Accruna engagement works
Cadence
Daily
Agents ingest and reconcile new activity every business day. Month-end becomes a checkpoint, not a scramble.
Traceability
Every entry
Each coded transaction keeps its source document, the agent that proposed it, and who approved it.
Target close
5 working days
The close is designed to finish within the first week — with the review queue cleared before it lands.
Our services
An accounting team that never clocks out.
Specialised agents handle the busy work, each one accountable for a single part of the ledger. Experienced accountants own the judgment calls behind them.
Reconciliation
Bank feeds, cards and payment processors matched against the ledger across every account — with differences named, not buried.
Chase Bank · Operating
100% matched
1,248 of 1,248 lines matched to source
Reporting
P&L, balance sheet and cash view, generated from the live ledger and ready whenever a board, lender or investor asks.
P&L · month to date
- Revenue$125,430 ↑ 12%
- Expenses($82,245) ↑ 5%
- Net income$43,185 ↑ 28%
Expenses
Receipts captured, spend checked against your policy, and anything that falls outside it routed for approval before it hits the books.
| ABAirbnb | −$982.10 | Approved |
| DLDelta | −$512.20 | Flagged |
Invoicing
Raise, send and track invoices, chase overdue balances on a schedule you approve, and keep AR ageing current without a manual reminder list.
Outstanding invoices
$24,680
5 open invoices · 1 overdue by 14 days
Month-end close
A fixed checklist run in the same order every period, so the close is repeatable and every sign-off has a name against it.
- Reconcile all accounts
- Review journal entries
- Analyse variances
- Generate financial statements
How it works
From transaction to trusted books.
A disciplined five-stage pipeline, powered by agents and governed by accounting practice — the same order, every period.
1
Connect
Link your banks, cards, payroll and billing tools.
2
Categorise
Agents code transactions to your chart of accounts.
3
Reconcile
Balances are matched across every account and period.
4
Review exceptions
Accountants resolve what needs context or judgment.
5
Close
Statements are finalised, signed off and delivered.
- 2 Ledger agent Coded 214 transactions from Mercury and Stripe · 211 auto-accepted Done
- 3 Reconciliation agent Matched Chase Bank statement to the ledger · 1,248 of 1,248 lines Done
- 4 Exception queue 3 items need a human decision before the period can close Needs review
Where humans belong
Automation where it works.
Accountants where it matters.
Agents handle repetition at volume. Accountants take the items that carry risk, ambiguity or a decision someone has to own.
Three categories of work are never auto-approved. They leave the agent pipeline and land in a named accountant's queue with the context needed to decide.
Policy ambiguity
Transactions that do not clearly satisfy the expense policy you set.
Unusual vendor
New counterparties, or vendors outside your normal spend pattern.
Material variance
Movements against budget or prior period that need an explanation on record.
Nothing is approved by silence. If a review item is not actioned,
the close does not complete — the checklist blocks on it rather than closing over it.
- ! Unusual vendor Nova Strategic LLC · $12,500.00 · Sep 14 Review
- ! Policy ambiguity Client dinner · $482.18 · Sep 12 Review
- ! Material variance Marketing spend · +142% vs. August Review
Each item carries the source document, the agent's proposed treatment and the policy rule it touched — so review is a decision, not an investigation.
A five-day close is a process outcome, not a heroic effort. If it depends on someone working the weekend, the process is wrong.
Accruna operating principle
Close governance
Inside the ledger
What you actually see, day to day.
No black box. Every agent action is visible, reversible and attributable — so you can hand the file to an auditor without a rebuild.
| Date | Source | Description | Amount | Coded to |
|---|---|---|---|---|
| Sep 28 | STStripe | Subscription revenue | +$12,450.00 | Sales |
| Sep 28 | AWAWS | Cloud infrastructure | −$320.18 | Software |
| Sep 27 | MCMercury | Card payment — Figma | −$144.00 | Software |
| Sep 26 | GUGusto | Payroll — Sep 16–30 | −$48,920.00 | Payroll |
| Sep 25 | EXExpense | Client dinner — policy check | −$482.18 | Pending review |
Hover a row to see the source document and the agent's coding rationale.
Ledger balanced
Every entry is explainable
A coding suggestion is only as useful as the reasoning behind it. Each line stores the supplier, the amount, the account it landed in, the rule or precedent that drove the decision, and a link back to the original receipt or bank line.
- Source document attached to the line, not the batch
- Agent confidence recorded, with precedent matches shown
- One-click reclassify, with the change written to the audit log
- Bulk approval for high-confidence, low-risk batches
| Account | Statement | Ledger | Difference | Status |
|---|---|---|---|---|
| Chase Bank · Operating | $842,109.44 | $842,109.44 | $0.00 | Matched |
| Chase Bank · Payroll | $96,204.10 | $96,204.10 | $0.00 | Matched |
| Amex · Corporate | $41,882.60 | $41,882.60 | $0.00 | Matched |
| Stripe Clearing | $128,660.00 | $128,660.00 | $0.00 | Matched |
| Undeposited funds | $4,120.00 | $3,980.00 | $140.00 | Timing |
100% of accounts reviewed
Differences get named, not smoothed
Rounding, timing and genuinely unmatched items are separated. Timing differences are tracked to the period they resolve in; anything else becomes an exception with a suggested correcting entry.
- Daily matching against bank, card and processor feeds
- Timing differences tracked across period boundaries
- Suggested correcting journals, requiring approval to post
- Reconciliation history retained for every account and month
Overdue and chasing
Within terms
Reminder 2 of 3 scheduled for Sep 30 — awaiting your approval
Approve sequence
Chasing that runs on a schedule
Dunning sequences are drafted and queued, not fired blindly. You approve the cadence once; agents keep it running and stop the moment an invoice is settled.
- Ageing kept current as payments land, not in a monthly sweep
- Reminder cadence you approve, per customer segment
- Disputed invoices held out of the sequence automatically
- Cash view updated against the same ledger the statements come from
| Task | Owner | Completed | Status |
|---|---|---|---|
| Bank and card reconciliation | Reconciliation agent | Sep 27, 09:12 | Complete |
| Revenue recognition review | Revenue agent | Sep 27, 11:40 | Complete |
| Accruals and prepayments | Ledger agent | Sep 27, 14:05 | Complete |
| Payroll tie-out | Payroll agent | Sep 28, 08:30 | Complete |
| Variance narrative | M. Okonjo, CPA | Sep 28, 13:22 | Approved |
| Statement pack issued | M. Okonjo, CPA | Sep 28, 14:06 | Delivered |
Close duration: Sep 26 → Sep 28 · 5 open exceptions resolved in 2 days
Download close report
A close you can predict
The checklist is fixed and ordered. Each task declares an owner, a completion time and the evidence behind it, so next month's close starts from a known position instead of a fresh inbox.
- Same task sequence every period, with dependencies enforced
- Agent-owned and human-owned tasks shown side by side
- Sign-off attributed to a named accountant, not "the system"
- Full close history retained and exportable
Who it is for
Built for the point where bookkeeping stops scaling.
Accruna fits companies that have outgrown a bookkeeper's calendar but do not yet need an internal finance function.
Seed to Series A
Founders closing the books themselves
You are still the finance department. Accruna takes the ledger off your desk and keeps it investor-ready, so diligence requests stop being a fire drill.
- Investor-ready statements every month
- Clean books before your first audit or raise
- Spend policy enforced without a finance hire
Series A to C
Finance teams drowning in volume
Transaction volume tripled but headcount did not. Agents absorb the growth in line count; your team keeps the review, the narrative and the decisions.
- Multi-entity, multi-currency consolidation
- Month-end moved into the first week
- Capacity without proportional hiring
Agencies and studios
Project margin you cannot see
Revenue lands in one system, costs in another, and margin is whatever the spreadsheet says. Accruna ties project revenue to its real cost base.
- Time and cost coded to the right project
- Retainers, milestones and WIP handled properly
- Margin per client, refreshed continuously
Ecommerce and subscription
Reconciling thousands of small lines
Processor payouts, refunds, chargebacks and fees — high volume, low value, endless to match by hand. This is exactly the work agents do best.
- Payout-to-ledger matching at line level
- Refunds and chargebacks classified automatically
- Revenue and deferred income kept aligned
Security and control
Your financial data stays yours.
Built to a least-privilege model, with human approval on anything that moves money or changes the ledger's shape.
Encryption at rest and in transit
Ledger data, documents and credentials are encrypted in storage and over the wire.
Role-based access
Granular permissions for your team, and separate scoped access for our accountants and agents.
Complete audit trail
Every agent action, edit and approval is logged with who or what made it, and when.
Human approval controls
Payments, journal postings and policy overrides require a named human to approve them.
- Least-privilege by design — agents hold the narrowest access that does the job
- Separation of duties between preparing, approving and posting
How we work
Three commitments we hold ourselves to.
These are the standards the practice is built around — and the questions we expect to be measured against.
"Automate the work, never the accountability."
If an agent proposes it and a human approves it, the human's name is on it. We will not hide a decision behind a model.
Close governance
Accruna
"A number you cannot trace is not a number."
Every figure in a report links back to the transaction and the document behind it. No unexplained balances carried forward.
Traceability
Accruna
"Hand you a close you can hand to an auditor."
Workpapers, reconciliations and approval history are kept in a state that survives an audit — not assembled retroactively.
Audit readiness
Accruna
Integrations
Fits the finance stack you already use.
Accruna reads from the systems that already hold your financial activity. Nothing gets ripped out and replaced.
QuickBooks
Accounting ledgerXero
Accounting ledgerStripe
PaymentsRamp
Cards and spendGusto
PayrollMercury
BankingBill.com
AP automationExpensify
Expense capturePlaid
Bank feedsAvalara
Sales taxDeel
Contractor payrollCSV & API
Anything elsePricing
One accountable team. A plan that fits.
Every plan includes AI agents, named accountant oversight and the same security controls. Plans differ by entity count, volume and depth of review.
Foundation
Core bookkeeping
For early-stage companies that need reliable books and clean reports without hiring a bookkeeper.
- Daily transaction coding and bank reconciliation
- Monthly statements and a close report
- Expense policy checks
- One entity, one currency
Growth
Most commonFull finance operations
For scaling businesses where the ledger has become a shared dependency across the company.
- Everything in Foundation
- Invoicing, AR tracking and approved reminder sequences
- AP workflow with approval thresholds
- Budget-versus-actual reporting and variance narratives
- Up to three entities
Scale
Multi-entity and audit-ready
For high-growth companies with consolidation, audit and reporting obligations that cannot slip.
- Everything in Growth
- Multi-entity, multi-currency consolidation
- Dedicated accounting manager and review cadence
- Audit workpaper packs and revenue recognition review
- Custom approval chains and delegation rules
Accruna is a service, not a self-serve subscription. Engagements are scoped against your transaction volume, entity structure and review requirements, then quoted monthly. See what shapes the quote.
Questions
Frequently asked.
If your question is not here, the demo is the fastest way to get a straight answer.
Traditional outsourcing is still a labour model: work queues up, then a person processes it in a batch. Accruna is a process model. Agents work continuously against your ledger, so bookkeeping stops being a monthly event and month-end becomes a checkpoint rather than the start of the work.
The practical difference shows up in three places: the books are current on any given day, every entry carries the reasoning and source behind it, and accountant time goes to exceptions instead of data entry.
Agents own the repeatable work: ingesting transactions, coding to your chart of accounts, matching bank and card activity, capturing receipts, running the close checklist, drafting reports and preparing reminder sequences.
Accountants own anything that carries judgment or risk — policy ambiguity, unusual vendors, material variances, revenue recognition, accruals and final sign-off. No agent can post a journal entry or a payment that requires human approval.
No. Accruna works with the ledger and the surrounding stack you already run — QuickBooks, Xero, Stripe, Ramp, Gusto, Mercury and others. Your data stays in your systems; Accruna operates on it and feeds back the result.
If you want to change your ledger software as part of onboarding, that is a conversation we will have openly, including the migration cost and the risks.
Accruna is accountable for the work we produce, the same as any accounting firm. Every task, review and sign-off is attributed to a named person, and every agent action is logged with the reasoning behind it.
Where an agent proposes and a human approves, that approval is on record. Where an agent acts within pre-approved rules, the rule itself is documented and versioned so you can see exactly what was authorised and when.
Onboarding runs in three stages. First we review your current ledger, chart of accounts and open items to agree a starting position. Then we connect your systems and run a parallel period so you can compare our output against your existing process. Finally we take over the cycle with an agreed close calendar.
Most of the effort sits in stage one. Getting the chart of accounts and account mapping right at the start is what makes every later close straightforward.
Access is least-privilege and role-based. Agents hold only the permissions their specific job requires, credentials are encrypted, and data is encrypted at rest and in transit. Every action is written to an audit log.
You can read the detail — including our access model and approval controls — on the security page.
Engagements are quoted monthly against your transaction volume, entity count, currency exposure and how much review you want. There is no per-seat charge, because the point is that you need fewer seats.
Timing depends mostly on how clean your starting position is. Bring a recent trial balance and a bank statement to the demo and we can usually give you a realistic onboarding window in the same conversation.
Make this your last messy close.
Bring a recent trial balance and a bank statement. We will walk through how Accruna would handle your ledger, and what the first close would look like.