Say what happened. Get a balanced entry.
Type a sentence, snap a receipt or let the bank feed it in. Gold Finance drafts the journal entry with the accounts, amounts and tax filled in. You check it, it posts, and the ledger behind your reports stays correct.
Free plan, no card needed.
What happened?
Paid $120 for AWS hosting yesterday with the company Amex.
Journal entry JE-0158Oct 11, 2026
AWS hosting, October
| Account | Debit | Credit |
|---|---|---|
| 6120Cloud & hosting | 120.00 | |
| 2010Amex credit card | 120.00 | |
| Total | 120.00 | 120.00 |
Balanced
What happened?
Lumen Trading paid invoice INV-1042, $3,450 into Mercury.
Journal entry JE-0159Oct 11, 2026
Payment for INV-1042, Lumen Trading
| Account | Debit | Credit |
|---|---|---|
| 1010Mercury · Operating | 3,450.00 | |
| 1200Accounts receivable | 3,450.00 | |
| Total | 3,450.00 | 3,450.00 |
Balanced
What happened?
Receipt photoClient dinner, $86.40 including $7.85 tax, on the Amex.
Journal entry JE-0160Oct 11, 2026
Client dinner, from receipt photo
| Account | Debit | Credit |
|---|---|---|
| 6420Meals & entertainment | 78.55 | |
| 1350Input tax | 7.85 | |
| 2010Amex credit card | 86.40 | |
| Total | 86.40 | 86.40 |
Balanced
Record it the way it reached you.
A sentence, a crumpled receipt, a voice note on the drive home, a supplier’s PDF or the bank’s own feed. Each one becomes a draft entry you can check before it posts.
Paid October office rent, $2,400, from Mercury.
Draft entry
| Account | Debit | Credit |
|---|---|---|
| 6100Rent | 2,400.00 | |
| 1010Mercury · Operating | 2,400.00 | |
| Total | 2,400.00 | 2,400.00 |
Kopi & Co.
- Flat white × 29.00
- Kaya toast4.50
- Tax 6%0.81
Total14.31
Draft entry
| Account | Debit | Credit |
|---|---|---|
| 6420Meals & entertainment | 13.50 | |
| 1350Input tax | 0.81 | |
| 2010Amex credit card | 14.31 | |
| Total | 14.31 | 14.31 |
“Bought printer paper and ink, forty-two fifty, paid cash.”
Draft entry
| Account | Debit | Credit |
|---|---|---|
| 6300Office supplies | 42.50 | |
| 1050Petty cash | 42.50 | |
| Total | 42.50 | 42.50 |
northwind-NW-0931.pdf
- Vendor
- Northwind Supply Co.
- Due
- Nov 10, 2026
- Amount due
- 1,280.00
Draft entry
| Account | Debit | Credit |
|---|---|---|
| 1400Inventory | 1,280.00 | |
| 2000Accounts payable | 1,280.00 | |
| Total | 1,280.00 | 1,280.00 |
Mercury · OperatingNew lines
- STRIPE PAYOUT+1,946.20
- AMAZON WEB SERVICES−120.00
- GITHUB, INC.−21.00
Draft entry
| Account | Debit | Credit |
|---|---|---|
| 1010Mercury · Operating | 1,946.20 | |
| 1150Stripe clearing | 1,946.20 | |
| Total | 1,946.20 | 1,946.20 |
Always know where the money is.
Every invoice, bill, payment and bank line lands in one ledger, so the answers are already there when you ask.
Cash in every account, in one currency.
Mercury, Airwallex and Wise feed in on their own; any other bank imports from a statement. Foreign balances convert to your base currency at dated rates.
Who owes you, and whom you owe.
Send invoices, record bills and match each payment to them. Stock is tracked in the same books, and aging shows what is overdue and by how long.
Profit you can believe.
The income statement, balance sheet and cash flow are built from posted entries, not from a spreadsheet someone forgot to update.
Cash position
| Mercury · Operating | USD | 48,210.55 |
|---|---|---|
| Airwallex · EUR | EUR | 12,904.10 |
| Wise · SGD | SGD | 9,880.00 |
| Total in base currency | USD | 69,843.80 |
Profit this month
- Income
- 14,350.00
- Expenses
- 9,812.40
- Net profit
- 4,537.60
Receivables 12,640.00
- Current
- 7,450.00
- 1–30 days
- 3,240.00
- 31–60 days
- 1,350.00
- Over 60
- 600.00
Sample data
Real double-entry bookkeeping, not a receipt scanner.
The AI does the typing. The rules you rely on stay in force, in every book.
Debits equal credits, or it doesn’t post.
The ledger refuses an unbalanced entry, whoever wrote it.
Posted means locked.
Corrections are linked reversing entries, so the trail stays whole.
Periods close.
Once a period is closed, nothing posts into it.
Every bank line is reconciled.
Statement lines are matched to the ledger one by one. Whatever doesn’t match stays in view.
Imports run dry first.
QuickBooks Online, MoneyBook and CSV data is mapped and previewed before it touches the ledger.
A person approves.
The AI drafts; someone with write access confirms.
Trial balance
| Account | Debit | Credit |
|---|---|---|
| 1000Cash and bank | 69,843.80 | |
| 1200Accounts receivable | 12,640.00 | |
| 1400Inventory | 8,935.20 | |
| 2000Accounts payable | 6,410.75 | |
| 2010Amex credit card | 2,186.40 | |
| 3000Owner’s equity | 61,633.25 | |
| 4000Sales | 38,520.00 | |
| 5000Cost of goods sold | 11,862.30 | |
| 6100Rent | 4,800.00 | |
| 6120Cloud & hosting | 669.10 | |
| Total | 108,750.40 | 108,750.40 |
Debits equal credits
JE-0157 reverses JE-0142
| Account | Debit | Credit |
|---|---|---|
| 2010Amex credit card | 120.00 | |
| 6120Cloud & hosting | 120.00 |
The original stays on record, linked to its reversal.
Every company in its own book. Everyone in the right seat.
Switch between companies or clients from one login. Each book keeps its own chart of accounts, base currency, fiscal year and members. Invite your accountant by email and decide what they can touch.
Your books
- Acme Studio LLC
- Xinyi Family Clinic
- Lumen Trading Sdn Bhd
- Kaze Design KK
| Owner | Admin | Accountant | Viewer | |
|---|---|---|---|---|
| See the books and reports | Yes | Yes | Yes | Yes |
| Record and post entries | Yes | Yes | Granted modules | No |
| Invite and manage members | Yes | Yes | No | No |
| Delete the book | Yes | No | No | No |
Accountants get read or write access module by module. Viewers can read everything except the member list.
Connects to the money you already have.
- MercuryBank feed
- AirwallexBank feed
- WiseBank feed
- QuickBooks OnlineHistory and ledger sync
- MoneyBookImport with dry run
- CSVAny bank or spreadsheet
- StripeBilling for your plan
Product names are trademarks of their respective owners. Bank feeds are read-only: Gold Finance never moves money.
Start free. Pay when the books grow.
The Free plan includes every feature, one book and 30 AI requests a month. Paid plans start at $20 a month, billed yearly.
Questions, answered
What is Gold Finance?
Gold Finance is online accounting software for small businesses, freelancers and the accountants who work with them. It combines a double-entry ledger, sales and purchases, banking and reconciliation and financial reports with AI that drafts entries from plain language, receipts and voice.
Does the AI post entries on its own?
No. The AI only produces drafts. Each draft shows the suggested accounts, amounts and its confidence; it becomes part of your books only after someone with write access accepts it, and even then it has to balance before it can be posted.
Is my financial data secure?
All traffic is encrypted with HTTPS, passwords are stored hashed, and every book is isolated so only its members can see it. Bank and broker connections are read-only — Gold Finance cannot move money. We do not sell your data. See our Privacy Policy for details.
Can I import from QuickBooks or MoneyBook?
Yes. Connect QuickBooks Online to pull your history, or upload MoneyBook exports or any CSV. Imports go to a staging area first: you map accounts, customers and vendors, run a dry run and review differences before anything is written to the ledger.
Which currencies are supported?
Each book has a base currency chosen when you create it. You can record invoices, bills and bank transactions in any ISO currency; dated exchange rates convert them to the base currency for reporting.
Can I manage more than one company?
Yes. Each company lives in its own book with its own accounts, currency and members, and you switch between books from one login. The number of books and members per book depends on your plan.
Which banks can I connect?
Mercury, Airwallex and Wise connect directly as read-only bank feeds, and broker accounts can be added to see positions and balances. Any other bank works through statement import (CSV) with column mapping, followed by reconciliation.
What happens when my plan expires or I cancel?
Plans are prepaid and do not renew automatically; we remind you before the end date. When a paid plan ends your account returns to the Free plan. Nothing is deleted: books beyond the Free limit become read-only until you renew.
Can I change plans?
You can upgrade at any time — the unused value of your current plan is converted into extra days on the new one. Downgrades are not available during an active period; you can choose a smaller plan once the current one ends.
Does Gold Finance do payroll or file taxes?
No. Gold Finance focuses on bookkeeping and reporting. Tax rates calculate tax amounts on invoices and bills, but we do not run payroll or file tax returns.
Start with tonight’s receipts.
Create a book in a few minutes. The Free plan stays free.