Instant AI Bookkeeping from Any Bank Statement
No accounting software. No setup. No reformatting. Download your bank CSV, upload it here, and get a fully categorized, reconciliation-ready report in under two minutes — whether you're a freelancer, a small business, or an accountant handling client books.
Four steps from raw export to clean books
Download & Upload
Export your bank statement as a CSV — every bank offers this. Drag it into Reconci.ai. That's the entire setup.
AI Categorizes
The AI reads every transaction, applies your business context, and assigns the right category — usually in under 60 seconds for a full month.
Review & Adjust
Scan the flagged items, tweak anything you disagree with, and confirm. The AI learns from your corrections for next time.
Export Clean Report
Download your reconciliation-ready spreadsheet or push it straight to QuickBooks / Xero. Done — no manual formatting.
New features we've recently added
AI Chain-of-Thought Transaction Categorization
NewThe same best-in-class AI reasoning engine used for QuickBooks is now available for CSV uploads. The AI thinks through each transaction before assigning a category — no black-box guesses, just transparent logic you can follow and trust.
- Reasoning Trace — see exactly why a category was chosen for every single row
- Business Context Learning — provide a short description of your business and the AI adapts instantly
Auto-Column Detection — No Formatting Required
NewDrop in a raw export from any bank — Monzo, Starling, Barclays, Chase, HSBC, Revolut, or even a custom spreadsheet. The AI detects date, amount, payee, and memo columns automatically, so you skip the painful reformatting step entirely.
- Supports any delimiter (comma, tab, semicolon) and date format
- Handles reverse-chronological, multi-currency, and merged-header exports
Duplicate & Anomaly Flagging
NewBefore handing you the clean report, Reconci.ai scans for duplicate rows, mismatched amounts, and unusual charges — things that slip through manual review every time.
- Exact and near-duplicate detection across overlapping statement periods
- Flags transactions that are statistical outliers for your account
Instant Clean Spreadsheet Export
NewDownload a fully categorized, reconciliation-ready spreadsheet in seconds. Use it as-is, drop it into your accounting software, or share it with your accountant — no manual clean-up needed.
- Export to .xlsx or .csv with category, notes, and confidence score columns
- One-click push to QuickBooks Online or Xero if you have an account connected
AI that categorizes like your best accountant
No chart of accounts to configure. No rules to write. Describe your business in plain English and the AI immediately understands your spending patterns — then applies that logic consistently to every row in your statement.
Plain-English Category Matching
You don't need a chart of accounts. Describe your business in a sentence and the AI maps transactions to categories that make sense for your situation — freelancer, landlord, retailer, or anything in between.
Tax-Ready Splits
Mixed-use expenses split automatically — e.g. 60% business / 40% personal for a phone bill — so your year-end figures are accurate before your accountant even opens the file.
Recurring Transaction Recognition
Subscriptions, rent, loan repayments — the AI spots recurring patterns and locks in consistent categories across every statement period, removing the need to re-teach it every month.
Multi-Account Merge
Running current and savings accounts, or a business and personal card? Upload multiple CSVs at once and get a single unified categorized view across all accounts.
Built for the people who don't want the hassle
Whether you run a five-person agency, do your own books on weekends, or process CSV files for dozens of clients — this workflow was designed for you.
Solo Proprietors & Freelancers
You don't have a dedicated bookkeeper — and you shouldn't need one for a simple month-end review. Upload your bank export, get a clean P&L-ready breakdown in minutes, and get back to client work.
- No accounting software subscription required
- Works perfectly for self-assessment and tax prep
- Shareable report for your accountant or tax agent
Small & Medium Businesses
Whether you're running a café, an e-commerce store, or a small agency, your bank statement is the ground truth. Stop paying for reconciliation hours when AI can handle the bulk of it instantly.
- Handles high-volume transaction files without slowdown
- Consistent category logic month over month
- Saves 5–10 hours of manual bookkeeping per month
Accountants & Bookkeepers
Your clients send you messy bank exports. Reconci.ai cleans and categorizes them before you open them — so you spend your time reviewing rather than sorting. Charge the same, work less.
- Process client CSVs in bulk, not one by one
- White-label-friendly clean output format
- Pair with QuickBooks or Xero for a full end-to-end workflow
Solopreneurs & Side Hustlers
One account, multiple income streams, and zero patience for spreadsheets. Drop in your statement at the end of the quarter, see exactly where money came from and went, and move on.
- Handles mixed personal / business transactions intelligently
- No setup, no login required to try
- Instant visibility into business vs. non-business spend
Smart warnings that prevent costly mistakes
The AI doesn't just categorize — it actively checks for errors, inconsistencies, and ambiguities before you download your report.
Payee History Alerts
If the same payee has been categorized two different ways across your upload history, the AI flags it before you download — not after your accountant finds it.
Multi-Category Suggestions
For ambiguous transactions — a supplier who could be 'Software' or 'Professional Services' — the AI surfaces both options with a confidence score so you choose with full context.
Everything you need, nothing you don't
Upload to Report
< 2 min
Categorization Accuracy
98%
Banks Supported
Any
Hours Saved / Month
8 hrs
From Upload to Report in Under 2 Minutes
- No manual column mapping or reformatting
- Full month of transactions processed in seconds
- Immediate download — no waiting, no queue
AI That Learns Your Business
- Provide a one-sentence business description for instant context
- Corrections feed back into future uploads automatically
- Pattern recognition improves with every file you process
No Software Subscription Needed
- Works completely standalone — no QBO or Xero account required
- Pay per upload or use free tier for light workloads
- Zero onboarding — upload your first file in 30 seconds
Tax & Compliance Ready
- Categories aligned to common tax schedules
- Mixed-use splits handled automatically
- Full audit trail with AI reasoning per transaction
Works Alongside Your Existing Tools
- Export to any accounting software via .xlsx or .csv
- One-click sync to QuickBooks Online or Xero
- Compatible with Google Sheets, Excel, and FreeAgent
Clear Financial Visibility
- Instant summary: income vs. expenses by category
- Month-over-month trend view across multiple uploads
- Shareable link or PDF for your accountant or co-founder
Not just a parser — an AI bookkeeper
Most CSV tools map columns and stop there. Reconci.ai goes further: it reads each transaction in context, applies your business logic, reasons through ambiguous cases, checks for errors, and hands you a report you can actually use — with a full reasoning trace so you're never left wondering why something was categorized a certain way. No black box. No surprises.
| Feature | Typical CSV Tool | Reconci.ai CSV |
|---|---|---|
| Column detection | Manual mapping | Automatic |
| Categorization | Rule-based | AI Chain-of-Thought |
| Ambiguous transactions | Uncategorized | Flagged with options |
| Duplicate detection | None | Automatic |
| Reasoning trace | None | Per transaction |
| Push to accounting software | Manual re-entry | One click |
Ready to turn your bank statement into clean books?
Drop in your CSV and see AI categorization in action — for free, right now, no account needed. Works for any bank, any business size, any workflow.