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 categorize, reconcile and close your startup’s QuickBooks or Xero every day. At month-end you approve the judgment calls and sign. A licensed CPA checks it all every quarter.
Where your transactions come from. Sources, not customers.
Founders postpone the books until someone asks for them.
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.
From the day you connect your books to the first CPA check, as we’re building it.
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.
Your business, remembered.
Your policies live as plain documents in a Drive folder you connect: how you sell, what you sign, when bills get paid. The agents read them as standing instructions and work to them. Change a document and the work changes with it. Your CPA approves each one.
- Your accounting policies, in documents you can edit
- Sales tax and nexus for the states you touch
- Every contract and document, on file and linked
- A close checklist that fits your business
A lead schedule behind every balance.
It’s how auditors check books, so it’s how we keep yours. Each balance ties to the bank, Stripe or payroll, to the cent.
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
The inbox and the Drive folder you share are read every day. Receipts, contracts and vendor email are filed against the entry they support, and the policy documents in the folder are the instructions the agents work to. Nothing is paid, and nothing is sent outside a template you approved.
Never surprised by a deadline.
One plan. $400 a month.
Planned. This is what the plan will include when it opens.
- Agents categorizing and reconciling your books daily
- Sync with your QuickBooks Online or Xero file
- A lead schedule behind every balance
- Closed daily, signed monthly: P&L, balance sheet, cash flow
- A reason on every overdue invoice in your AR aging
- Deadline calendar and sales tax nexus tracking
- A licensed CPA check every quarter, in writing
For builders
The components underneath are free.
The money, ledger and close components behind this service are MIT-licensed. They install from the shadcn registry, source included.
npx shadcn@latest add @lopifi/theme
npx shadcn@latest add @lopifi/moneyQuestions, 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, from Lopi Labs LLC. Agents categorize, reconcile and close your books daily on US GAAP, with a lead schedule behind every balance. You sign each month and decide anything that needs judgment. A licensed CPA checks the books every quarter. $400 a month, planned, and we're taking a waitlist now.
Is it available yet?
Not yet. We're letting companies in a few at a time so a licensed CPA can check every first close. Join the waitlist and one of us 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, so your CPA, investors and tax preparer open the same books they always would. If you don't have one yet, we set it up.
Can AI books hold up to investors or an audit?
The structure does most of the work. Every entry balances, every account reconciles to an outside statement before the month closes, closed months lock and are corrected only by reversal, and every balance has a lead schedule. The agents work inside those rules and log a reason for each decision. A licensed CPA checks the result every quarter.
Why not run a general AI agent on my books myself?
You can, and it will do good work when you ask. The difference is who does the asking. We built the harness around the agents: workflows scheduled every day that categorize, reconcile, chase receipts and late invoices and roll the schedules forward without a prompt, the rules that decide what may post, and your policies, kept as documents in a Drive folder the agents read as their instructions. It runs in the background the way an employee would, and a licensed CPA checks the result every quarter.
What does the CPA check, and what doesn't it do?
Each quarter a licensed CPA checks your reconciliations, lead schedules, revenue recognition and classifications, then sends written findings with the corrections made. It's a check of your bookkeeping. It isn't an audit, review or attest engagement, and it isn't tax preparation.
I already vibe coded a finance dashboard. Why not keep it?
Keep it. A dashboard reads the books, and we keep them: balanced entries, period locks, reconciliations and GAAP schedules, kept right enough that an investor or auditor can rely on them. If you're building more finance software with an AI agent, the free components behind this service encode those rules for you. We call that vibe accounting.