No accountant,
no problem.
AI keeps your books, and you get an answer to “how am I doing?” in plain English.
Checks in, like a real bookkeeper
It categorizes your transactions on its own, then asks you about the gray areas instead of guessing — you confirm with a tap, and it remembers for next time.
Real-time tax estimates
Federal, self-employment, and state — recalculated as money moves, so there are no April-15 surprises.
Chat with your books
Plain English in, plain English out. “How much did I spend on Uber last month?” Done.
What Cash Basis AI is
Cash Basis AI is an AI-powered cash-basis bookkeeping and tax app for self-employed professionals. It connects to your bank and cards through Plaid, categorizes your transactions and asks you about the gray areas, keeps a real-time income statement and balance sheet, and projects your quarterly estimated taxes as the year unfolds. A built-in assistant named Cash answers questions about your money in plain English — by text or voice.
Who it’s for
It’s built for freelancers, contractors, 1099 earners, single-member LLCs, S-corps, and other solo business owners who need real bookkeeping without hiring a bookkeeper or learning accounting software designed for accountants. If you’ve been running your business out of a checking account and a shoebox of receipts, this is for you. You can invite your CPA to your books on every plan.
The problem it solves
Most self-employed people don’t know what their business actually made, what’s deductible, or how much to set aside for taxes until it’s too late to do anything about it. Traditional accounting tools were built for accountants and bolted on a self-serve mode; they’re expensive, rule-brittle, and update taxes only once a quarter. Cash Basis AI does the categorization for you, keeps your tax estimate current in real time, and lets you just ask when you have a question.
What makes it different
Cash Basis AI was built for the self-employed first, not adapted from accountant software. It costs a fraction of what legacy tools charge, uses AI to categorize transactions instead of fragile rules, refreshes your tax estimate continuously instead of quarterly, and lets you ask questions in everyday language instead of learning a ledger UI. It’s cash-basis on purpose — the way most solo operators already think about money, and how the IRS lets most small businesses file.
Common questions
Is Cash Basis AI a replacement for my CPA?
No — and that's intentional. Cash Basis AI handles the day-to-day: categorization, tax estimates, reports, and the questions you'd otherwise text your accountant at 11pm. Every plan includes accountant access — invite your CPA from settings and they get their own login to review and categorize transactions inside your books. Most users save their CPA hours of cleanup and a chunk of their bill.
What's the difference between cash basis and accrual?
Cash basis means money counts when it actually moves: invoice paid? Revenue. Bill paid? Expense. It's how most self-employed people already think about money — and how the IRS lets businesses under ~$32M in average annual receipts file. Accrual is what large companies use; it's more complex and rarely necessary for solo operators. The product name tells you who it's for.
Is my financial data secure?
Yes. We never see or store your bank credentials — Plaid handles the connection with bank-level encryption. Your transaction data is encrypted at rest, access is SOC 2 aligned, and we never sell data. Period.
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