A double-entry general ledger built straight from your bank and credit-card feeds. The AI only categorizes. The accounting is deterministic, so debits always equal credits and every figure traces to a real transaction that actually cleared — and it ties out to the bank, or shows you exactly what’s missing.
QuickBooks is only as right as whoever last did the data entry, and it won’t tell you when it’s wrong. TreasuryFlow starts from what actually cleared the bank and scores its own cleanliness. It’s not either/or: export the journal into QuickBooks and use this as the independent bank-truth check.
No chart-of-accounts setup marathon, no month-end catch-up. Connect the accounts and the ledger assembles itself from the transactions that actually cleared.
Link bank and credit-card accounts through Plaid’s read-only feed. We can’t move money; you can disconnect anytime.
The one place AI touches your books is the category call. Everything downstream is deterministic accounting, not a model’s guess at a number.
Each transaction becomes a balanced journal entry. Debits equal credits by construction, and every figure traces back to a real cleared transaction.
The ledger reconciles to the bank to the penny, or shows you exactly what’s missing. Anything it can’t place with confidence waits in Suspense.
A general ledger a CFO can actually trust with the board deck: complete, honest about what it doesn’t know, and readable without a trial-balance decoder ring.
The ledger proves it explains every dollar the bank’s balance moved, or shows you exactly what’s missing. “Provably complete” isn’t a slogan here: it’s a running tie-out you can open any day of the month, not a scramble you do once at close.
Anything it can’t classify confidently is quarantined in a Suspense account, out of the P&L, with a one-click AI suggestion for a human to confirm.
It separates recurring streams that are safe to project from one-off spikes, a $135K commission, an annual insurance premium, so a single big event never gets smoothed into a fake run-rate.
The ledger narrates itself. A CFO reads a memo that explains the month, not a trial balance that needs decoding.
Categorization is the only AI. The double-entry math is deterministic, so the same transactions always produce the same books, and every figure traces to a real bank line.
Every dollar the bank moved is explained, or flagged as missing. No silent gaps between the books and the balance.
Low-confidence items sit in Suspense, out of the P&L, until a human confirms them. The books never pretend to know more than they do.
Plain-English notes narrate the month so anyone in the room understands the numbers, not just the person who built them.
It doesn’t have to. QuickBooks trusts whoever does the data entry and won’t tell you when it’s wrong; the AI General Ledger trusts the bank and scores its own cleanliness. Many teams keep QuickBooks as the system of record and export the journal into it, using TreasuryFlow as the independent bank-truth check that catches what the manual books missed.
Only the categorization. The AI proposes which category a cleared transaction belongs to; the double-entry accounting itself is deterministic. That means debits always equal credits, the same transactions always produce the same books, and no figure is ever a model’s guess at a number.
The ledger proves it explains every dollar the bank’s balance moved over the period. If it can account for all of it, it ties out to zero unexplained. If something is missing, it shows you exactly what and how much, rather than quietly absorbing the difference. It’s a running proof you can open any day, not a once-a-month scramble.
They’re quarantined in a Suspense account, out of the P&L, so a low-confidence guess never distorts your reported numbers. Each one carries a one-click AI suggestion for a human to confirm or correct. Nothing enters your income statement on a maybe.
No. Forecast-driver detection separates recurring streams that are safe to project from one-off events, a $135K commission, an annual insurance premium, so a single big transaction is never smoothed into a fake run-rate. Recurring is projected; one-offs are called out as one-offs.
Yes. Bank and credit-card data flows over Plaid’s read-only API. We can’t move money and you can disconnect at any time. Our categorization engine only ever sees privacy-preserving magnitude ranges, never your exact amounts; see our Privacy Policy for the full breakdown.
Open a live example built from real bank-feed data, then connect your accounts and watch your own books assemble themselves and prove their own tie-out.