Beancount.io

Description

Beancount.io is a modern hosted accounting platform built on the open-source Beancount plain-text accounting language. It brings double-entry accounting to the developer stack: your ledger is a Git repository where every transaction is versioned, auditable and diff-able, and AI handles the data entry, categorization and double-entry math so you don't need prior accounting or coding knowledge.

You can write Beancount files by hand, import from CSV, OFX or QIF, sync many banks directly via Smart Import, or let the AI assistant draft entries from receipts and statements. Balances, cash flow and holdings can be queried with Beancount Query Language or asked in natural language through a Model Context Protocol server, and the platform exposes OpenAPI and GraphQL for programmatic access. It supports multi-currency, cost-basis and capital-gains tracking, balance assertions for reconciliation, document attachments, and iOS and Android apps.

Because everything stays plain text, there is no vendor lock-in — you can export your ledger anytime, and data is encrypted in transit and at rest. A free tier ($0 forever) covers one ledger, one collaborator and 1,000 entries; paid Premium, Growth, Organization and Enterprise plans add more ledgers, collaborators, AI CFO tokens, automation, SSO and multi-entity consolidation.

Beancount.io's Core Features

• Git-native version control of your ledger

• AI-assisted bookkeeping and transaction categorization

• Bank imports via CSV, OFX, QIF and direct Smart Import

• Natural-language queries via an MCP server, plus BQL

• Multi-currency, cost-basis and capital-gains tracking

• Balance assertions for automated reconciliation

• OpenAPI and GraphQL for programmatic access

• Plain-text, exportable data with no vendor lock-in

How to use Beancount.io?

1. 1

   Start a ledger: Sign up free and create your plain-text ledger.

2. 2

   Import your data: Bring history in from CSV, OFX, QIF or a bank sync.

3. 3

   Let AI categorize: The AI drafts entries and handles double-entry math.

4. 4

   Query your books: Use natural language via MCP or Beancount Query Language.

5. 5

   Reconcile and audit: Add balance assertions and review the Git history.

6. 6

   Export anytime: Download your plain-text files whenever you want.

Beancount.io's Use Cases

• Developer bookkeeping
• Personal finance
• Small business books
• AI-driven queries

FAQ from Beancount.io

• Do I need to know accounting or coding?

  No. Beancount reads like plain English, the app guides everyday entries, and AI handles categorization and the double-entry math; you can grow into scripts later.

• Can I import from Mint, QuickBooks or a CSV?

  Yes. The importer framework turns bank and card statements in CSV, OFX or QIF into clean double-entry transactions, and it can sync many banks directly.

• Is my data locked in?

  No. Your ledger is plain text you can export anytime, and canceling never locks your books away.

• Is there a free plan?

  Yes. The Free plan is $0 forever with one ledger, one collaborator and 1,000 entries; paid plans add more capacity and automation.

• Can AI agents query my books?

  Yes. A Model Context Protocol server lets you ask about balances, cash flow and holdings in natural language.