A spreadsheet, or a script
It works, until someone asks if it's accrual basis.
Your books, closed.
On US GAAP. Every day.
AI agents keep your startup’s QuickBooks or Xero categorized, reconciled and closed, then wait for your OK. A CPA reviews it all every quarter.
Where your transactions come from. Sources, not customers.
Founders don’t skip accounting. They postpone it.
A year of catch-up
Twelve months rebuilt in March, at the worst possible rate.
Deadlines you hear about late
Delaware franchise tax, 1099s, sales tax nexus. Each one a surprise.
Then a raise, a 409A or a first audit arrives, and someone needs twelve clean months by Friday. We keep them clean from day one.
From messy to closed, in eight steps.
Scroll through it. Each step is something the agents do on their own.
Step 01 / 08Minute one
1Minute one
Plug in Xero or QuickBooks.
Connect the QuickBooks Online or Xero file you already have, and the bank and card accounts behind it. No migration: we work in your ledger.
- Chart of accountsRead, then fixed on day one
- General ledgerEvery entry, back to day one
- Bank & card linesRead-only, daily
- Invoices & billsWith their documents
2Day one
Straighten what’s already there.
Spreadsheets, a script you vibe coded, half-categorized QuickBooks: the agents square the history to accrual-basis US GAAP before anything new posts.
- Cash-basis booksRestated to accrual
- Chart of accountsDuplicates merged
- Opening balancesTied to the bank
3Every bill
Every bill gets an account, and a reason.
Agents categorize as money moves, match receipts and split Stripe payouts into revenue, fees and refunds. When it’s unsure, it asks you. It never guesses.
- AWS$1,240.56Hosting · receipt matched
- Stripe payout$8,420.00Revenue $8,900.00 · Fees ($480.00)
- Unknown charge$312.00Asks you
4Every invoice
Revenue, recognized when it’s earned.
Invoices are footed and tied to Stripe. Annual plans and upfront payments sit in deferred revenue and release as you deliver, the way US GAAP expects.
- Annual plan$12,000.00Deferred, $1,000.00 released monthly
- Invoice$4,800.00Footed and tied to Stripe
- Overdue 45 days$2,150.00In AR aging
5Every month
Accruals and prepaids run on schedule.
A year of insurance paid in January becomes twelve monthly expenses. Prepaids, accruals, depreciation and leases release on their own, and the last month absorbs the rounding.
- Insurance$12,000.0012 × $1,000.00
- Equipment$3,000.00Depreciated over 36 months
- Office leaseReleased monthly, ASC 842
6Every account
A lead sheet behind every balance.
Each balance-sheet line gets its lead schedule: general ledger against bank, Stripe, payroll and contracts. Difference: zero. Prepaids, deferred revenue, fixed assets and ASC 842 leases run on their own.
- Cash$48,210.00Ties to bank
- Accounts receivable$31,400.00Ties to aging
- Fixed assets$14,500.00Ties to register
- Accounts payable$18,900.00Ties to open bills
- Deferred revenue$36,000.00Ties to schedule
- Equity$87,310.00Rolls forward from net income
7Month end
You sign. The month locks.
The close is done before you’d normally start. Approve the few items that need a founder, sign off, and the period locks. Fixes are reversals, never edits.
- Items for a founder2 to approve
- The periodLocked at sign-off
- A fix after lockA reversal, never an edit
8Every quarter
A CPA looks under the glass.
A licensed CPA reviews your reconciliations, schedules and revenue recognition, checks the agents’ calls, and sends written findings you can hand to a board.
- ReconciliationsReviewed
- The agents’ callsCorrections made
- FindingsWritten, board-ready
Watch it work.
- Routine posts itselfSame vendor, same account, a rule you approved once.
- Judgment waits for youA new contractor, an annual prepayment. Each comes with a proposal and a reason.
- Everything leaves a trailWho, what, why and the source document, on every entry.
Agents working—
- 9,124 US Dollar and 40 centsPosted
Shopify orders
Sales tax by state
- negative 6,000 US DollarAsks you
Wire to J. Alvarez
Contractor or employee?
- negative 48,120 US Dollar and 90 centsPosted
Payroll Oct 15
Wages + employer taxes
- negative 5,400 US DollarPosted
Figma annual plan
Prepaid · 12 months
- 214,033 US Dollar and 12 centsTied
Chase operating
Reconciled to statement
Your business, remembered.
No two companies close the same way. We start with a short call about how you sell, what you sign and where you operate. That becomes a written memory every agent works from, and your CPA approves it.
- Your accounting policies, written down once
- Sales tax and nexus for the states you touch
- Every contract and document, on file and linked
- A close checklist that fits your business
Company profile
Northwind Software, Inc.
- 1.1Delaware C-corp, calendar year, accrual basis
- 1.2Capitalize over $2,500; laptops expensed
- 1.3On file: customer contracts and order forms, SAFE agreements
- 1.4On file: office lease for ASC 842
Example memory. Yours is built from your onboarding call, your contracts and your history, and the CPA signs off on it.
A lead schedule behind every balance.
It’s how auditors check books, and how ours are kept. Books against the bank, Stripe and payroll. Difference: zero.
Lead schedule A
Cash and cash equivalents
Sample Co. · Oct 31, 2026 · USD · US GAAP
| Account | Prior period | Per books | Per support | Difference |
|---|---|---|---|---|
| 1010 · Chase operatingBank statement | 184,120 US Dollar and 90 cents | 214,033 US Dollar and 12 cents | 214,033 US Dollar and 12 cents | 0 US DollarTies |
| 1020 · Mercury reserveBank statement | 500,000 US Dollar | 350,000 US Dollar | 350,000 US Dollar | 0 US DollarTies |
| 1050 · Stripe balanceStripe balance report | 4,128 US Dollar and 80 cents | 3,862 US Dollar and 15 cents | 3,862 US Dollar and 15 cents | 0 US DollarTies |
| 1090 · Cash in transitPayout report | 0 US Dollar | 1,824 US Dollar and 5 cents | 1,824 US Dollar and 5 cents | 0 US DollarTies |
| Total, to balance sheet | 688,249 US Dollar and 70 cents | 569,719 US Dollar and 32 cents | 569,719 US Dollar and 32 cents | Ties |
Built on your QuickBooks or Xero.
Your ledger stays yours. We work inside the QuickBooks Online or Xero file you already have, or set one up for you, so your CPA, investors and tax preparer open the same books they always would.
- Chart of accounts and tracking categories / classes
- Journal entries, with the reason and the source attached
- Bills, invoices and payments
- Bank transactions, with a reconciliation workpaper per account
- Receipts and contracts as attachments
Never surprised by a deadline.
One plan. $200 a month.
Everything below, in one plan. No tiers to compare.
- Agents working your books around the clock
- Two-way sync with QuickBooks Online or Xero
- A lead schedule behind every balance
- Monthly close you sign: P&L, balance sheet, cash flow
- Deadline calendar and sales tax nexus tracking
- A CPA review every quarter, in writing
Questions, answered.
More in the founder guides: the close, sales tax, fundraising and more.
What is Lopifi?
AI bookkeeping for early-stage US startups on QuickBooks Online or Xero. Agents categorize, reconcile, keep a lead schedule behind every balance and close your books on US GAAP as transactions happen. Anything that needs judgment waits for you, and a CPA reviews the books every quarter. $200 a month. We're taking a waitlist now.
Is it available yet?
Not yet. We're letting companies in a few at a time so a CPA can review every first close. Join the waitlist and a person will email you when your spot opens. No card until you decide to start.
Do I have to leave QuickBooks or Xero?
No. We work inside the file you already have and sync both ways. If you don't have one yet, we set it up. Your CPA, investors and tax preparer open the same books they always would.
Can AI books hold up to investors or an audit?
Accuracy comes from structure: every entry balances, every account reconciles to an outside statement before the month closes, closed months lock and are only corrected by reversal, and every balance has a lead schedule. The agents work inside those rules, log a reason for every decision, and a CPA reviews the result quarterly.
What does the CPA review, and what doesn't it do?
A licensed CPA reviews your reconciliations, lead schedules, revenue recognition and classifications each quarter and sends written findings with the corrections made. It is a review of your bookkeeping. It is not an audit, an attestation, or tax preparation.
I already vibe coded a finance dashboard. Why not keep it?
Keep it. Dashboards are reads, and AI is great at them. The ledger underneath is writes with rules: balancing entries, period locks, reconciliations and GAAP schedules. That's the part that has to be right when someone else relies on it.
Waitlist
Get your books closed.
We’re opening a few companies at a time. Leave your email. That’s it.
LopifiWaitlist pass
Prepared for
you@startup.com
Categorize, reconcileAgents
Lead schedulesAgents
Judgment callsYou approve
Quarterly reviewA CPA
Monthly, when we open200 US Dollar
Due today0 US Dollar
Your first close
Tell us where your books live and we plan the first close around it.