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.
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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.
- CategoryAI Accounting Tools
- Pricing ModelFreemium
- DeploymentCloud
- PlatformsWeb, iOS, Android
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?
Start a ledger: Sign up free and create your plain-text ledger.
Import your data: Bring history in from CSV, OFX, QIF or a bank sync.
Let AI categorize: The AI drafts entries and handles double-entry math.
Query your books: Use natural language via MCP or Beancount Query Language.
Reconcile and audit: Add balance assertions and review the Git history.
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
