Beancount.io

Beancount.io is a hosted service for plain-text, double-entry accounting built on the open-source Beancount language created by Martin Blais. Ledgers can be versioned with Git, automated with scripts, and audited line by line. The platform offers bank sync, Smart Import from statements and exports (CSV, OFX, QIF, or bank APIs), tracking of net worth, transactions, reports and investments with live price updates, an AI Assistant for cash flow and trend questions, and hosted Fava dashboards. It also provides a REST API, GraphQL access, and an MCP server for connecting ledgers to AI tools such as Claude and Cursor. The site states a free tier with no credit card required and paid plans for individuals and small businesses, and it targets couples, professionals, freelancers, and small businesses.

Key features

• Bank Sync to connect banks and bring transactions into the ledger
• Smart Import of statements and exports into reviewed entries
• Tracking of net worth, transactions, reports, and investments
• Live Prices with automatic price updates for holdings
• AI Assistant for questions about cash flow, runway, and trends
• Hosted Fava for reports and dashboards
• Git for Beancount version control with full history and rollback
• Beancount MCP server for connecting ledgers to AI tools
• AI-assisted bookkeeping for transaction categorization and anomaly detection
• Scriptable workflows for reconciliations, reports, and alerts
• Beancount Query Language (BQL) for querying balances and holdings
• REST API, OpenAPI, and GraphQL access
• Import from Mint, QuickBooks, or bank CSV files
• Data export as plain-text files
• Free browser tools and documentation including API reference

Best suited for

• Couples sharing a household ledger
• Professionals managing client books
• Freelancers tracking invoices, taxes, and client income
• Small businesses keeping books accountants can read
• Developers who want to manage finances as code

Pricing

Free tier: $0/mo with 1 ledger, 1 collaborator, 1,000 ledger entries, and 20K AI Assistant tokens. Premium: starting at $14.99/mo with 5 ledgers, 5 collaborators, unlimited ledger entries, and 500K AI Assistant tokens. Annual pricing and other plans are referenced on the pricing page.