Every feature, honestly listed

What's in the free desktop app, what Cloud adds, what Oikos AI does, and the short list of things we don't do yet. No asterisks, no "contact sales."

Free, forever: the whole bookkeeping core

Everything below is in the free desktop app AND the Cloud plan. Real double-entry accounting runs invisibly underneath all of it.

• Invoices & estimatesCreate, PDF, email, recurring invoices, estimates that convert, credit memos, customer statements.
• Customer deposits & retainersTake money before the job. Held correctly (not counted as income early), applied to the invoice in one click, refundable.
• Expenses & billsRecord spending, enter bills to pay later, recurring bills, vendor credits.
• Overdue-invoice chasingA "needs chasing" list with friendly reminders, capped and cadenced so no customer is ever harassed.
• Reports in plain EnglishProfit & Loss (cash or accrual), Balance Sheet, Cash Flow, Trial Balance, aging, budgets vs. actual, profit by project, all with click-through to the transactions behind any number.
• Bank reconciliationMatch your statement, reconcile to the penny, cleared entries lock so history can't drift.
• Sales tax & 1099sCharge tax, track what you owe, and one-click 1099-NEC prep for contractors.
• Payroll recording & importRecord runs by hand or import your Gusto/ADP register; books and tax liabilities stay right. Built-in payroll in development
• Entity & tax setupSole prop, LLC, S-corp, partnership, or nonprofit: the right equity accounts, your federal form, and a state-aware setup checklist.
• Tax worksheetYour numbers in the exact order TurboTax asks for them. Tax season in about 20 minutes.
• Business partnersReal capital accounts per owner, draws done right, year-end K-1 summary split to the penny.
• Inventory, time & jobsStock with automatic cost-of-goods, billable hours that become invoices, and per-job profit.
• Classes, locations & projectsTag anything, slice any report by the tag.
• Fixed assetsTrack equipment and post straight-line depreciation automatically.
• Switch from QuickBooksCustomers, vendors, your chart, opening balances, and your full general ledger with years of history.
• Accountant packOne click bundles every report a preparer needs, including a tax-mapped summary grouped by the lines on your return.
• Churches & nonprofitsFunds, giving, donor statements, campaigns, and Form 990 framing, built in, not bolted on.
• Your data, yoursBackup and export everything, anytime. The free app works fully offline.

Cloud: your books everywhere Founding beta

Everything above, plus the connected pieces.

• Every deviceSame books on your desktop, laptop, and phone (install it from the browser, no app store). Automatic backup with version history.
• Bank feedsConnect your bank and transactions flow in, pre-categorized by AI.
• Get paid onlinePay links on invoices; payments land in your books automatically, reminders include the link.
• Invite your accountant or partnerView-only or can-post-adjustments access. They don't need their own subscription.
• Email from the appInvoices, statements, and reminders sent for real, not just printed.
• Online givingFor churches: hosted giving pages, recurring gifts, campaign thermometers, refunds handled.

Oikos AI: the add-on that does the typing

• Just say it"Just spent $34 on gas" is booked to the right category, one tap to confirm.
• Snap a receiptPhoto → vendor, date, amount, category, with the image saved to the expense.
• Ask your books anything"What did I spend on materials this quarter?" Plain-English answers from your own numbers.
• Auto-categorizeBank and statement imports arrive pre-sorted; you just confirm.
• Set up by describing your business"Wedding photographer" → a chart of accounts that fits, not a generic template.

What we don't do (yet)