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 cleared transaction.
Click around. It works.
This month, in English. Strong collections month. The $41,200 insurance premium is annual, not a new run-rate. Excluded from the forecast baseline.
Unfamiliar vendor: below the confidence bar, so it never touched your P&L.
All clear. The $860 charge is posted to Opex · Equipment repair as a balanced journal entry: debits equal credits, and the tie-out still reads $0.00 unexplained.
Card charge, unfamiliar vendor. AI suggests Equipment repair. Out of the P&L until you confirm.
Sample data. Open the live example to see a real ledger prove its own numbers.
QuickBooks is only as right as whoever last did the data entry, and it won’t tell you when it’s wrong. It’s not either/or: export the journal into QuickBooks and use TreasuryFlow’s ledger 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.
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.
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. It’s a running tie-out you can open any day of the month.
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.
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; the AI General Ledger trusts the bank. Many teams keep QuickBooks as the system of record and use TreasuryFlow as the independent check that catches what the books missed.
Most AI-ledger products want to be your system of record, putting their AI upstream of your reported numbers. TreasuryFlow builds the books from the bank feed as an independent check alongside QuickBooks. Only categorization is AI; the accounting is deterministic.
Only the categorization. The AI proposes which category a cleared transaction belongs to; the double-entry accounting is deterministic. Debits always equal credits, the same transactions always produce the same books, and no figure is ever a model’s guess.
The ledger proves it explains every dollar the bank balance moved. If it accounts for everything, it ties out to zero unexplained. If something is missing, it shows exactly what and how much. A running proof, open any day.
They’re quarantined in a Suspense account, out of the P&L, so a low-confidence guess never distorts your reported numbers. Each 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 from one-off events like a $135K commission or 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.
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.