Beancount AI: Your Personal AI CFO, Code-Verified
Wealthy people have access to expert advisors and elite financial insights to help make them more money. Artificial Intelligence can now do it better, faster, and cheaper.
For decades, there has been a massive divide in financial management:
- The Wealthy & Enterprises: Have teams of CFOs and analysts. They don't just track spending; they model scenarios, optimize cash flow, and spot risks months in advance.
- The Rest of Us: Have a spreadsheet, a "gut feeling," and the hope that we didn't miss a tax deadline.
We built Beancount AI to level the playing field. It brings the strategic firepower of a high-end finance team to your startup, powered by the reasoning of LLMs and the absolute rigor of code-verified data.
The "Trust" Problem with AI Finance
We’ve all seen AI demos that look magical but fall apart under scrutiny. In creative writing, a hallucination is a "quirk." In finance, a hallucination is a disaster.
Most consumer AI tools operate in a "Black Box"—you feed them data, they give you an answer, and you hope it's right. Beancount AI operates as a "Glass Box." Because your financial life is stored as plain text in Git, our AI treats your finances like code. It acts as a read-only analyst that cites its sources and shows its math.
How Your Personal CFO Works for You
We designed Beancount AI to handle the three distinct roles that a CFO performs for a major company.
1. The Strategic Planner (Forecasting)
The Question: "Can I actually afford to hire another engineer this quarter?"
- The Black Box Way: "Yes, you have enough money." (Based on what? Did it account for the annual insurance premium?)
- The Beancount AI Way: "Yes, but it reduces your runway from 18 months to 11. This projection factors in your annual AWS reserved instance renewal in May ($12k). If you delay the hire to Q3, you preserve 14 months of runway."
2. The Watchdog (24/7 Audit)
A great finance team protects your downside. They spot the "leakage"—the duplicate bills, the creeping subscriptions, the vendor price hikes.
Beancount AI continuously monitors your ledger for patterns that deviate from the norm. It doesn't just send a generic notification; it provides a diff-based comparison of your actuals versus your historical trends. If your SaaS spend is up 15% month-over-month, it tells you exactly which vendor caused it before you even realize you've been cut.
3. The Analyst (Conversational Forensics)
Stop writing complex SQL or bean-query syntax. Just ask for the data you need to make decisions:
- "Show me my burn rate trend excluding one-time legal fees."
- "Compare my travel expenses Q1 2024 vs. Q1 2025."
- "What is my effective tax rate based on current realized gains?"
The Financial OS for Builders
We believe that for technical founders, money is just another form of high-stakes data. It should be managed with the same rigor as your codebase.
- You own the data: Your ledger remains plain text. You can
git pulland leave us anytime. - You own the intelligence: The AI runs on your verified data, not a proprietary mystery box.
- You verify the results: Every insight is grounded in your Git history.
Available Now: The Read-Only Analyst
Starting today, Beancount AI is available as a Read-Only Analyst for all users. It can read your ledger, answer questions, and audit your history.
Coming Soon: The Pull Request Workflow.
We are currently testing Write-Access with Review. Soon, you will be able to ask the AI to categorize transactions, and it will generate a Git Diff for you to approve—bringing the safety of a code review to your company's accounting.
Don't fly blind. Get an AI CFO you can verify.
Meet Your New CFO: beancount.io/auth/sign-up
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