openaccountant

Allocate every dollar of income to a category using zero-based budgeting.

Generate an annual financial review with totals, trends, and highlights.

Import Wise (TransferWise) CSV exports with multi-currency handling.

Reconcile Venmo business transactions and separate personal from business.

Organize business expenses by IRS Schedule C categories for tax filing.

Estimate IRS underpayment penalties for missed quarterly tax payments.

Find recurring subscriptions, calculate total cost, and flag unused ones.

Import Stripe payment CSV exports with charges, fees, and refund handling.

Estimate state income tax liability based on income and state of residence.

Import Square sales CSV exports with tips, refunds, and fee handling.

Generate a categorized spending breakdown with month-over-month trends.

Split a single transaction across multiple categories with custom amounts.

Auto-categorize uncategorized transactions using vendor pattern matching.

Detect seasonal revenue and expense patterns across 12+ months of data.

Determine sales tax obligations by state based on economic nexus thresholds.

Calculate months of cash runway at current burn rate.

Assess client concentration risk using revenue share and Herfindahl index.

Track rental income, expenses, ROI, and cap rate per property.

Estimate quarterly tax payments using income totals and safe harbor rules.

Generate a profit and loss statement for any date range.

Analyze pricing against costs and margins to optimize profitability.

Import PayPal CSV exports with fee, refund, and currency handling.

Calculate net worth from assets and liabilities with a formatted statement.

Manage finances across multiple businesses or legal entities.

Generate a monthly financial summary with metrics, trends, and anomalies.

Run a monthly bookkeeping close checklist with reconciliation.

Track business mileage and calculate IRS standard mileage deduction.

Detect spending increases across categories over 6-12 months.

Track unpaid invoices by age bucket and flag overdue payments.

Find insurance payments, total annual premiums, and compare to benchmarks.

Import transactions from CSV, OFX, or QIF bank exports and deduplicate.

Calculate home office deduction using simplified or actual expense method.

Set savings goals with timelines and track monthly progress toward them.

Find recurring expenses and subscriptions to cut or reduce.

Calculate emergency fund target and track savings progress toward it.

Track asset depreciation using MACRS schedules and Section 179 expensing.

Build avalanche or snowball debt payoff plans with payment schedules.

Build custom financial reports with user-defined date ranges and categories.

Monitor 1099 contractor payments and flag $600 threshold.

Analyze revenue and costs per client to find your most profitable accounts.

Track charitable donations and estimate their tax deduction value.

Project future cash flow using historical trends and recurring patterns.

Calculate break-even revenue by separating fixed and variable costs.

Connect bank accounts for automatic transaction import via Plaid.