Ledger Copilot
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For SMBs, accounting firms, contractors & housing authorities

Bookkeeping is no longer about human throughput.

For a hundred years, the bookkeeper's job was measured in transactions per hour and hours per bank reconciliation. The next generation doesn't measure either — AI reconciles your books directly from your bank feed, in real time, with no monthly close ritual and no human in the loop for the mechanical work.

Open the app →Investor briefing
Bank-feed nativeDeterministic by defaultGovernment / HUD-nativeReal, exportable audit trail

For business owners + accountants

Open the customer app

Connect your bank, run an audit, generate financial statements, estimate hours on the calculator. Live tools, no slides.

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For investors + partners

Investor briefing — 90 seconds

Market-sizing model across 10 Fortune-500 targets, architecture, what's shipped, why now.

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How the model works

Construction GC
cuts bookkeeper hours on a multi-entity contractor
AI categorizes 7,900+ transactions/year and reconciles bank ↔ Sage in real time, and flags penalty-exposing entries before year-end.
Metro PHA
cuts bookkeeper hours on a public housing authority
AI flags HUD FDS late filings and SEMAP deductions before the deadline, reconciling continuously from the bank feed.
One engine, any scale
from a coffee shop to an $85M housing authority
The same deterministic ledger runs the smallest business and the largest grantee — labor on the mechanical work shifts from hours to spot-checks.

The next generation of accounting

Your accountant's value is not how fast they can type.

The traditional bookkeeper's entire economic role — manually categorize transactions, reconcile bank statements at month-end, chase down missing receipts — is now a machine task. Modern AI does all of it directly from the bank account, with no human latency.

The accountant's role doesn't go away. It moves up. From data entry to interpretation. From bookkeeping to advisory. From compliance maintenance to strategy. From measuring throughput to measuring outcomes.

Firms that built their pricing on hours-of-bookkeeping-per-client will see margins compress. Firms that built their pricing on value delivered will expand into the spread.

Yesterday
Bookkeeper categorizes 50 transactions/hour at $35/hour (industry benchmark, illustrative)
Today
AI categorizes 5,000/hour. Bookkeeper spot-checks the rest.
Yesterday
Monthly close takes 4–8 hours of bank reconciliation
Today
Continuous reconciliation directly from bank API. Review in minutes, not hours.
Yesterday
Errors caught at year-end audit — $12K average penalty exposure (industry benchmark, illustrative)
Today
Anomalies caught in-period, so penalty-exposing entries surface before year-end.

What the AI does

Categorizes every bank + card transaction
70+ vendor patterns out of the box; learns from your corrections. Auto-applies high-confidence categorizations in milliseconds. Human review only where the AI is unsure.
Reconciles bank ↔ books continuously
No monthly close ritual. Bipartite matching runs every time a new transaction posts. Uncategorized cash surfaces within hours, not at year-end.
Detects anomalies in-period
Z-score outliers, new-vendor risk, duplicate payments, round-number entries — surfaced as transactions post, instead of waiting for an end-of-year human review.
Built for compliance-heavy industries
Property management, construction, federal grantees, housing authorities. Fund accounting, job costing, HUD FDS reporting, and Uniform Guidance audit prep — built in.

Why Ledger Copilot

One deterministic engine — from a coffee shop to a housing authority.

No competitor spans the small business, the CPA firm above it, and government/HUD fund accounting in a single ledger. QuickBooks stops at the SMB; Tyler ignores small business; PHA software treats accounting as a bolt-on. That seam is the difference.

One engine, three worlds

The same books run a small business, a multi-client firm, and a government/PHA entity — no stitching three disconnected systems together.

Deterministic by default

Every number traces to a source transaction or posted journal entry. We compute and prove — not 'suggest' figures an auditor can't trust.

Government & HUD-native

GASB, HUD FDS/SEFA, single audit, and 2 CFR 200 are built in — not a manual layer bolted onto property software.

A real audit trail

Immutable who/what/when (incl. AI vs. human), unlimited + exportable — plus one-click full export so your data is never hostage.

See how we compare to QuickBooks, Tyler, and PHA-Web →

For accounting firms

Serve more clients with the same bookkeeper headcount.

The same AI runs across every client's books, so your team shifts from mechanical data entry to review and advisory. Catch issues in-period — before the IRS or HUD does — and bill on outcomes, not hours.

Run the simulation on 6 business typesEstimate hours on your own numbers

See it run on your own numbers.

Open the live app, or run the deterministic simulation across six business types. No slides, no sign-up wall.

Open the app →Estimate your hours