# Beancount.io

> Plain-Text Accounting. Powerful, Precise, Auditable.

> When to use Beancount.io: plain-text, double-entry bookkeeping with git versioning. Best for AI agents that need to query balances via BQL, import bank CSVs to Beancount format, or make auditable ledger edits. Call via MCP (https://beancount.io/api-gateway/mcp) or GraphQL (/graphql) with scoped API keys. See /openapi.json for typed schemas and operationIds.

## When to Use

- [When to use Beancount.io - plain-text accounting for AI agents](https://beancount.io/): Reach for Beancount.io when you need: (1) double-entry bookkeeping with git-versioned plain-text ledgers, (2) BQL queries over financial data, (3) CSV/bank import to Beancount, (4) auditable transaction history. Local CLI use needs no account - see /docs/Basics/bea-cli and the no-importer CSV recipe at /docs/Solutions/import-bank-exports-cli. Hosted MCP use needs a Web Beancount account with a ledger-scoped grant: call the MCP server (https://beancount.io/api-gateway/mcp) or GraphQL API (/graphql) with scoped keys. Prefer BQL via runBqlQuery for balances/reports; add directives with appendLedgerText and change files with createLedgerFiles/updateLedgerFiles/deleteLedgerFiles, previewing with dry_run first because the commit path can report validation errors after the write. See /mcp and /openapi.json for tool schemas; the live tool enumeration is at https://beancount.io/.well-known/mcp.json.

## Product

- [Beancount.io](https://beancount.io/)
- [Pricing](https://beancount.io/pricing): Free $0; Premium $14.99/mo or $143.88/yr ($11.99/mo); Growth $99.99/mo or $959.88/yr ($79.99/mo); Organization $499.99/mo or $4799.88/yr ($399.99/mo); Enterprise: contact
- [Transaction & net-worth tracking](https://beancount.io/tracking)
- [Automatic Beancount prices & portfolio valuation](https://beancount.io/live-prices)
- [For couples](https://beancount.io/for-couples)
- [For professionals](https://beancount.io/for-professionals)
- [For freelancers](https://beancount.io/for-freelancers)
- [For small businesses](https://beancount.io/for-small-business)
- [Give your AI agent a ledger](https://beancount.io/for-ai-agents)
- [Fava](https://beancount.io/fava)
- [Git integration](https://beancount.io/git)
- [AI accounting assistant](https://beancount.io/assistant)
- [Smart Import](https://beancount.io/smart-import)
- [Model Context Protocol (MCP)](https://beancount.io/mcp)
- [Open Ledger](https://beancount.io/open-ledger)
- [Bank Sync](https://beancount.io/bank-sync)
- [Beancount Cloud](https://beancount.io/beancount-cloud)
- [Download (iOS & Android)](https://beancount.io/download)
- [Beancount for Android](https://beancount.io/beancount-android)
- [Beancount for iOS](https://beancount.io/beancount-ios)
- [Security](https://beancount.io/security)
- [Compare accounting tools](https://beancount.io/compare)
- [Free browser tools](https://beancount.io/tools)
- [Bean Labs](https://beancount.io/bean-labs)
- [Changelog](https://beancount.io/changelog)
- [CSV to Beancount converter](https://beancount.io/tools/csv-to-beancount)
- [OFX & QIF to Beancount converter](https://beancount.io/tools/ofx-to-beancount)
- [Ledger to Beancount converter](https://beancount.io/tools/ledger-to-beancount)
- [Debt coverage calculator](https://beancount.io/tools/debt-coverage-calculator)
- [Menu engineering calculator](https://beancount.io/tools/menu-engineering-calculator)
- [Receivables turnover calculator](https://beancount.io/tools/receivables-turnover-calculator)
- [Straight-line depreciation calculator](https://beancount.io/tools/straight-line-depreciation-calculator)
- [Break-even calculator](https://beancount.io/tools/break-even-calculator)
- [Expense report builder](https://beancount.io/tools/expense-report)
- [Trial balance worksheet](https://beancount.io/tools/trial-balance)
- [Invoice email composer](https://beancount.io/tools/invoice-email)
- [Margin and markup calculator](https://beancount.io/tools/margin-markup-calculator)
- [Year-over-year growth calculator](https://beancount.io/tools/year-over-year-growth-calculator)
- [AR aging report](https://beancount.io/tools/ar-aging-report)
- [Customer concentration report](https://beancount.io/tools/customer-concentration-report)
- [Chase CSV to Beancount](https://beancount.io/tools/csv-to-beancount/chase)
- [American Express CSV to Beancount](https://beancount.io/tools/csv-to-beancount/amex)
- [Capital One CSV to Beancount](https://beancount.io/tools/csv-to-beancount/capital-one)
- [Bank of America CSV to Beancount](https://beancount.io/tools/csv-to-beancount/bank-of-america)
- [Wells Fargo CSV to Beancount](https://beancount.io/tools/csv-to-beancount/wells-fargo)
- [Wise CSV to Beancount](https://beancount.io/tools/csv-to-beancount/wise)
- [Fidelity CSV to Beancount](https://beancount.io/tools/csv-to-beancount/fidelity)
- [Charles Schwab CSV to Beancount](https://beancount.io/tools/csv-to-beancount/schwab)
- [Citi CSV to Beancount](https://beancount.io/tools/csv-to-beancount/citi)
- [Discover CSV to Beancount](https://beancount.io/tools/csv-to-beancount/discover)
- [Ally Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ally)
- [Monzo CSV to Beancount](https://beancount.io/tools/csv-to-beancount/monzo)
- [U.S. Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/us-bank)
- [TD Canada Trust CSV to Beancount](https://beancount.io/tools/csv-to-beancount/td-canada-trust)
- [Apple Card CSV to Beancount](https://beancount.io/tools/csv-to-beancount/apple-card)
- [Barclays CSV to Beancount](https://beancount.io/tools/csv-to-beancount/barclays)
- [YNAB CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ynab)
- [Mint CSV to Beancount](https://beancount.io/tools/csv-to-beancount/mint)
- [Monarch Money CSV to Beancount](https://beancount.io/tools/csv-to-beancount/monarch)
- [Empower CSV to Beancount](https://beancount.io/tools/csv-to-beancount/empower)
- [N26 CSV to Beancount](https://beancount.io/tools/csv-to-beancount/n26)
- [Starling Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/starling)
- [bunq CSV to Beancount](https://beancount.io/tools/csv-to-beancount/bunq)
- [ING CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ing)

## Open Ledger Companies

- [AI & semiconductors company financial statements](https://beancount.io/open-ledger/sector/ai-and-semiconductors): Sector index: latest revenue and net income per company. Companies covered: 24
- [Cloud & software company financial statements](https://beancount.io/open-ledger/sector/cloud-and-software): Sector index: latest revenue and net income per company. Companies covered: 25
- [Consumer & retail company financial statements](https://beancount.io/open-ledger/sector/consumer-and-retail): Sector index: latest revenue and net income per company. Companies covered: 49
- [Ecommerce company financial statements](https://beancount.io/open-ledger/sector/ecommerce): Sector index: latest revenue and net income per company. Companies covered: 5
- [Financials & crypto company financial statements](https://beancount.io/open-ledger/sector/financials-and-crypto): Sector index: latest revenue and net income per company. Companies covered: 57
- [Healthcare company financial statements](https://beancount.io/open-ledger/sector/healthcare): Sector index: latest revenue and net income per company. Companies covered: 14
- [Industrials & energy company financial statements](https://beancount.io/open-ledger/sector/industrials-and-energy): Sector index: latest revenue and net income per company. Companies covered: 43
- [Internet platforms company financial statements](https://beancount.io/open-ledger/sector/internet-platforms): Sector index: latest revenue and net income per company. Companies covered: 12
- [Space & frontier company financial statements](https://beancount.io/open-ledger/sector/space-and-frontier): Sector index: latest revenue and net income per company. Companies covered: 4
- [Travel & transport company financial statements](https://beancount.io/open-ledger/sector/travel-and-transport): Sector index: latest revenue and net income per company. Companies covered: 19
- [3m](https://beancount.io/open-ledger/3m): Live ledger: https://beancount.io/ledger/open_ledger/3m
- [Accenture](https://beancount.io/open-ledger/accenture): Live ledger: https://beancount.io/ledger/open_ledger/accenture
- [Acuity](https://beancount.io/open-ledger/acuity): Live ledger: https://beancount.io/ledger/open_ledger/acuity
- [Adobe](https://beancount.io/open-ledger/adobe): Live ledger: https://beancount.io/ledger/open_ledger/adobe
- [Adp](https://beancount.io/open-ledger/adp): Live ledger: https://beancount.io/ledger/open_ledger/adp
- [Adyen](https://beancount.io/open-ledger/adyen): Live ledger: https://beancount.io/ledger/open_ledger/adyen
- [Affirm](https://beancount.io/open-ledger/affirm): Live ledger: https://beancount.io/ledger/open_ledger/affirm
- [Agnc](https://beancount.io/open-ledger/agnc): Live ledger: https://beancount.io/ledger/open_ledger/agnc
- [Airbnb](https://beancount.io/open-ledger/airbnb): Live ledger: https://beancount.io/ledger/open_ledger/airbnb
- [Alaska Air](https://beancount.io/open-ledger/alaska-air): Live ledger: https://beancount.io/ledger/open_ledger/alaska-air
- [Alcoa](https://beancount.io/open-ledger/alcoa): Live ledger: https://beancount.io/ledger/open_ledger/alcoa
- [Alibaba](https://beancount.io/open-ledger/alibaba): Live ledger: https://beancount.io/ledger/open_ledger/alibaba
- [Allegion](https://beancount.io/open-ledger/allegion): Live ledger: https://beancount.io/ledger/open_ledger/allegion
- [Ally Financial](https://beancount.io/open-ledger/ally-financial): Live ledger: https://beancount.io/ledger/open_ledger/ally-financial
- [Alphabet](https://beancount.io/open-ledger/alphabet): Live ledger: https://beancount.io/ledger/open_ledger/alphabet
- [Amazon](https://beancount.io/open-ledger/amazon): Live ledger: https://beancount.io/ledger/open_ledger/amazon
- [Amd](https://beancount.io/open-ledger/amd): Live ledger: https://beancount.io/ledger/open_ledger/amd
- [American Airlines](https://beancount.io/open-ledger/american-airlines): Live ledger: https://beancount.io/ledger/open_ledger/american-airlines
- [American Eagle Outfitters](https://beancount.io/open-ledger/american-eagle-outfitters): Live ledger: https://beancount.io/ledger/open_ledger/american-eagle-outfitters
- [American Express](https://beancount.io/open-ledger/american-express): Live ledger: https://beancount.io/ledger/open_ledger/american-express
- [Annaly Capital](https://beancount.io/open-ledger/annaly-capital): Live ledger: https://beancount.io/ledger/open_ledger/annaly-capital
- [Appfolio](https://beancount.io/open-ledger/appfolio): Live ledger: https://beancount.io/ledger/open_ledger/appfolio
- [Apple](https://beancount.io/open-ledger/apple): Live ledger: https://beancount.io/ledger/open_ledger/apple
- [Applied Digital](https://beancount.io/open-ledger/applied-digital): Live ledger: https://beancount.io/ledger/open_ledger/applied-digital
- [Applied Materials](https://beancount.io/open-ledger/applied-materials): Live ledger: https://beancount.io/ledger/open_ledger/applied-materials
- [Asml](https://beancount.io/open-ledger/asml): Live ledger: https://beancount.io/ledger/open_ledger/asml
- [Att](https://beancount.io/open-ledger/att): Live ledger: https://beancount.io/ledger/open_ledger/att
- [Autoliv](https://beancount.io/open-ledger/autoliv): Live ledger: https://beancount.io/ledger/open_ledger/autoliv
- [Autozone](https://beancount.io/open-ledger/autozone): Live ledger: https://beancount.io/ledger/open_ledger/autozone
- [Badger Meter](https://beancount.io/open-ledger/badger-meter): Live ledger: https://beancount.io/ledger/open_ledger/badger-meter
- [Bank Of America](https://beancount.io/open-ledger/bank-of-america): Live ledger: https://beancount.io/ledger/open_ledger/bank-of-america
- [Berkshire Hathaway](https://beancount.io/open-ledger/berkshire-hathaway): Live ledger: https://beancount.io/ledger/open_ledger/berkshire-hathaway
- [Best Buy](https://beancount.io/open-ledger/best-buy): Live ledger: https://beancount.io/ledger/open_ledger/best-buy
- [Blackberry](https://beancount.io/open-ledger/blackberry): Live ledger: https://beancount.io/ledger/open_ledger/blackberry
- [Blackstone](https://beancount.io/open-ledger/blackstone): Live ledger: https://beancount.io/ledger/open_ledger/blackstone
- [Bloom Energy](https://beancount.io/open-ledger/bloom-energy): Live ledger: https://beancount.io/ledger/open_ledger/bloom-energy
- [Bny](https://beancount.io/open-ledger/bny): Live ledger: https://beancount.io/ledger/open_ledger/bny
- [Bok Financial](https://beancount.io/open-ledger/bok-financial): Live ledger: https://beancount.io/ledger/open_ledger/bok-financial
- [Boston Beer](https://beancount.io/open-ledger/boston-beer): Live ledger: https://beancount.io/ledger/open_ledger/boston-beer
- [Broadcom](https://beancount.io/open-ledger/broadcom): Live ledger: https://beancount.io/ledger/open_ledger/broadcom
- [Byd](https://beancount.io/open-ledger/byd): Live ledger: https://beancount.io/ledger/open_ledger/byd
- [Caci](https://beancount.io/open-ledger/caci): Live ledger: https://beancount.io/ledger/open_ledger/caci
- [Cal Maine Foods](https://beancount.io/open-ledger/cal-maine-foods): Live ledger: https://beancount.io/ledger/open_ledger/cal-maine-foods
- [Capital One](https://beancount.io/open-ledger/capital-one): Live ledger: https://beancount.io/ledger/open_ledger/capital-one
- [Carmax](https://beancount.io/open-ledger/carmax): Live ledger: https://beancount.io/ledger/open_ledger/carmax
- [Carnival](https://beancount.io/open-ledger/carnival): Live ledger: https://beancount.io/ledger/open_ledger/carnival
- [Carpenter](https://beancount.io/open-ledger/carpenter): Live ledger: https://beancount.io/ledger/open_ledger/carpenter
- [Chewy](https://beancount.io/open-ledger/chewy): Live ledger: https://beancount.io/ledger/open_ledger/chewy
- [Chubb](https://beancount.io/open-ledger/chubb): Live ledger: https://beancount.io/ledger/open_ledger/chubb
- [Ciena](https://beancount.io/open-ledger/ciena): Live ledger: https://beancount.io/ledger/open_ledger/ciena
- [Cintas](https://beancount.io/open-ledger/cintas): Live ledger: https://beancount.io/ledger/open_ledger/cintas
- [Circle](https://beancount.io/open-ledger/circle): Live ledger: https://beancount.io/ledger/open_ledger/circle
- [Cisco](https://beancount.io/open-ledger/cisco): Live ledger: https://beancount.io/ledger/open_ledger/cisco
- [Citigroup](https://beancount.io/open-ledger/citigroup): Live ledger: https://beancount.io/ledger/open_ledger/citigroup
- [Citizens Financial](https://beancount.io/open-ledger/citizens-financial): Live ledger: https://beancount.io/ledger/open_ledger/citizens-financial
- [Cleveland Cliffs](https://beancount.io/open-ledger/cleveland-cliffs): Live ledger: https://beancount.io/ledger/open_ledger/cleveland-cliffs
- [Cme Group](https://beancount.io/open-ledger/cme-group): Live ledger: https://beancount.io/ledger/open_ledger/cme-group
- [Coinbase](https://beancount.io/open-ledger/coinbase): Live ledger: https://beancount.io/ledger/open_ledger/coinbase
- [Comcast](https://beancount.io/open-ledger/comcast): Live ledger: https://beancount.io/ledger/open_ledger/comcast
- [Comfort Systems Usa](https://beancount.io/open-ledger/comfort-systems-usa): Live ledger: https://beancount.io/ledger/open_ledger/comfort-systems-usa
- [Conagra](https://beancount.io/open-ledger/conagra): Live ledger: https://beancount.io/ledger/open_ledger/conagra
- [Constellation Brands](https://beancount.io/open-ledger/constellation-brands): Live ledger: https://beancount.io/ledger/open_ledger/constellation-brands
- [Coreweave](https://beancount.io/open-ledger/coreweave): Live ledger: https://beancount.io/ledger/open_ledger/coreweave
- [Costco](https://beancount.io/open-ledger/costco): Live ledger: https://beancount.io/ledger/open_ledger/costco
- [Crowdstrike](https://beancount.io/open-ledger/crowdstrike): Live ledger: https://beancount.io/ledger/open_ledger/crowdstrike
- [Crown Holdings](https://beancount.io/open-ledger/crown-holdings): Live ledger: https://beancount.io/ledger/open_ledger/crown-holdings
- [Csx](https://beancount.io/open-ledger/csx): Live ledger: https://beancount.io/ledger/open_ledger/csx
- [Danaher](https://beancount.io/open-ledger/danaher): Live ledger: https://beancount.io/ledger/open_ledger/danaher
- [Darden](https://beancount.io/open-ledger/darden): Live ledger: https://beancount.io/ledger/open_ledger/darden
- [Deckers](https://beancount.io/open-ledger/deckers): Live ledger: https://beancount.io/ledger/open_ledger/deckers
- [Deere](https://beancount.io/open-ledger/deere): Live ledger: https://beancount.io/ledger/open_ledger/deere
- [Dell](https://beancount.io/open-ledger/dell): Live ledger: https://beancount.io/ledger/open_ledger/dell
- [Delta Air Lines](https://beancount.io/open-ledger/delta-air-lines): Live ledger: https://beancount.io/ledger/open_ledger/delta-air-lines
- [Dicks Sporting Goods](https://beancount.io/open-ledger/dicks-sporting-goods): Live ledger: https://beancount.io/ledger/open_ledger/dicks-sporting-goods
- [Disney](https://beancount.io/open-ledger/disney): Live ledger: https://beancount.io/ledger/open_ledger/disney
- [Dollar General](https://beancount.io/open-ledger/dollar-general): Live ledger: https://beancount.io/ledger/open_ledger/dollar-general
- [Dollar Tree](https://beancount.io/open-ledger/dollar-tree): Live ledger: https://beancount.io/ledger/open_ledger/dollar-tree
- [Dominos](https://beancount.io/open-ledger/dominos): Live ledger: https://beancount.io/ledger/open_ledger/dominos
- [Dover](https://beancount.io/open-ledger/dover): Live ledger: https://beancount.io/ledger/open_ledger/dover
- [Dow](https://beancount.io/open-ledger/dow): Live ledger: https://beancount.io/ledger/open_ledger/dow
- [Element Solutions](https://beancount.io/open-ledger/element-solutions): Live ledger: https://beancount.io/ledger/open_ledger/element-solutions
- [Elevance Health](https://beancount.io/open-ledger/elevance-health): Live ledger: https://beancount.io/ledger/open_ledger/elevance-health
- [Eli Lilly](https://beancount.io/open-ledger/eli-lilly): Live ledger: https://beancount.io/ledger/open_ledger/eli-lilly
- [Equifax](https://beancount.io/open-ledger/equifax): Live ledger: https://beancount.io/ledger/open_ledger/equifax
- [Equity Lifestyle](https://beancount.io/open-ledger/equity-lifestyle): Live ledger: https://beancount.io/ledger/open_ledger/equity-lifestyle
- [Estee Lauder](https://beancount.io/open-ledger/estee-lauder): Live ledger: https://beancount.io/ledger/open_ledger/estee-lauder
- [Factset](https://beancount.io/open-ledger/factset): Live ledger: https://beancount.io/ledger/open_ledger/factset
- [Fastenal](https://beancount.io/open-ledger/fastenal): Live ledger: https://beancount.io/ledger/open_ledger/fastenal
- [Fedex](https://beancount.io/open-ledger/fedex): Live ledger: https://beancount.io/ledger/open_ledger/fedex
- [Fifth Third](https://beancount.io/open-ledger/fifth-third): Live ledger: https://beancount.io/ledger/open_ledger/fifth-third
- [Figma](https://beancount.io/open-ledger/figma): Live ledger: https://beancount.io/ledger/open_ledger/figma
- [First American](https://beancount.io/open-ledger/first-american): Live ledger: https://beancount.io/ledger/open_ledger/first-american
- [Gamestop](https://beancount.io/open-ledger/gamestop): Live ledger: https://beancount.io/ledger/open_ledger/gamestop
- [Ge Aerospace](https://beancount.io/open-ledger/ge-aerospace): Live ledger: https://beancount.io/ledger/open_ledger/ge-aerospace
- [General Mills](https://beancount.io/open-ledger/general-mills): Live ledger: https://beancount.io/ledger/open_ledger/general-mills
- [General Motors](https://beancount.io/open-ledger/general-motors): Live ledger: https://beancount.io/ledger/open_ledger/general-motors
- [Gentex](https://beancount.io/open-ledger/gentex): Live ledger: https://beancount.io/ledger/open_ledger/gentex
- [Genuine Parts](https://beancount.io/open-ledger/genuine-parts): Live ledger: https://beancount.io/ledger/open_ledger/genuine-parts
- [Goldman Sachs](https://beancount.io/open-ledger/goldman-sachs): Live ledger: https://beancount.io/ledger/open_ledger/goldman-sachs
- [H And R Block](https://beancount.io/open-ledger/h-and-r-block): Live ledger: https://beancount.io/ledger/open_ledger/h-and-r-block
- [Halliburton](https://beancount.io/open-ledger/halliburton): Live ledger: https://beancount.io/ledger/open_ledger/halliburton
- [Hasbro](https://beancount.io/open-ledger/hasbro): Live ledger: https://beancount.io/ledger/open_ledger/hasbro
- [Healthcare Services Group](https://beancount.io/open-ledger/healthcare-services-group): Live ledger: https://beancount.io/ledger/open_ledger/healthcare-services-group
- [Hewlett Packard Enterprise](https://beancount.io/open-ledger/hewlett-packard-enterprise): Live ledger: https://beancount.io/ledger/open_ledger/hewlett-packard-enterprise
- [Hexcel](https://beancount.io/open-ledger/hexcel): Live ledger: https://beancount.io/ledger/open_ledger/hexcel
- [Hims Hers](https://beancount.io/open-ledger/hims-hers): Live ledger: https://beancount.io/ledger/open_ledger/hims-hers
- [Hm](https://beancount.io/open-ledger/hm): Live ledger: https://beancount.io/ledger/open_ledger/hm
- [Home Depot](https://beancount.io/open-ledger/home-depot): Live ledger: https://beancount.io/ledger/open_ledger/home-depot
- [Honeywell](https://beancount.io/open-ledger/honeywell): Live ledger: https://beancount.io/ledger/open_ledger/honeywell
- [Hp](https://beancount.io/open-ledger/hp): Live ledger: https://beancount.io/ledger/open_ledger/hp
- [Huntington Bancshares](https://beancount.io/open-ledger/huntington-bancshares): Live ledger: https://beancount.io/ledger/open_ledger/huntington-bancshares
- [Ibm](https://beancount.io/open-ledger/ibm): Live ledger: https://beancount.io/ledger/open_ledger/ibm
- [Inditex](https://beancount.io/open-ledger/inditex): Live ledger: https://beancount.io/ledger/open_ledger/inditex
- [Interactive Brokers](https://beancount.io/open-ledger/interactive-brokers): Live ledger: https://beancount.io/ledger/open_ledger/interactive-brokers
- [Intuit](https://beancount.io/open-ledger/intuit): Live ledger: https://beancount.io/ledger/open_ledger/intuit
- [Intuitive Surgical](https://beancount.io/open-ledger/intuitive-surgical): Live ledger: https://beancount.io/ledger/open_ledger/intuitive-surgical
- [Iridium](https://beancount.io/open-ledger/iridium): Live ledger: https://beancount.io/ledger/open_ledger/iridium
- [J B Hunt](https://beancount.io/open-ledger/j-b-hunt): Live ledger: https://beancount.io/ledger/open_ledger/j-b-hunt
- [Jabil](https://beancount.io/open-ledger/jabil): Live ledger: https://beancount.io/ledger/open_ledger/jabil
- [Jefferies](https://beancount.io/open-ledger/jefferies): Live ledger: https://beancount.io/ledger/open_ledger/jefferies
- [Johnson Johnson](https://beancount.io/open-ledger/johnson-johnson): Live ledger: https://beancount.io/ledger/open_ledger/johnson-johnson
- [Jpmorgan Chase](https://beancount.io/open-ledger/jpmorgan-chase): Live ledger: https://beancount.io/ledger/open_ledger/jpmorgan-chase
- [Kb Home](https://beancount.io/open-ledger/kb-home): Live ledger: https://beancount.io/ledger/open_ledger/kb-home
- [Keycorp](https://beancount.io/open-ledger/keycorp): Live ledger: https://beancount.io/ledger/open_ledger/keycorp
- [Kinder Morgan](https://beancount.io/open-ledger/kinder-morgan): Live ledger: https://beancount.io/ledger/open_ledger/kinder-morgan
- [Kinsale](https://beancount.io/open-ledger/kinsale): Live ledger: https://beancount.io/ledger/open_ledger/kinsale
- [Klarna](https://beancount.io/open-ledger/klarna): Live ledger: https://beancount.io/ledger/open_ledger/klarna
- [Knight Swift](https://beancount.io/open-ledger/knight-swift): Live ledger: https://beancount.io/ledger/open_ledger/knight-swift
- [Knowles](https://beancount.io/open-ledger/knowles): Live ledger: https://beancount.io/ledger/open_ledger/knowles
- [Kroger](https://beancount.io/open-ledger/kroger): Live ledger: https://beancount.io/ledger/open_ledger/kroger
- [Lam Research](https://beancount.io/open-ledger/lam-research): Live ledger: https://beancount.io/ledger/open_ledger/lam-research
- [Lamb Weston](https://beancount.io/open-ledger/lamb-weston): Live ledger: https://beancount.io/ledger/open_ledger/lamb-weston
- [Las Vegas Sands](https://beancount.io/open-ledger/las-vegas-sands): Live ledger: https://beancount.io/ledger/open_ledger/las-vegas-sands
- [Lennar](https://beancount.io/open-ledger/lennar): Live ledger: https://beancount.io/ledger/open_ledger/lennar
- [Levi Strauss](https://beancount.io/open-ledger/levi-strauss): Live ledger: https://beancount.io/ledger/open_ledger/levi-strauss
- [Liberty Energy](https://beancount.io/open-ledger/liberty-energy): Live ledger: https://beancount.io/ledger/open_ledger/liberty-energy
- [Lithia Driveway](https://beancount.io/open-ledger/lithia-driveway): Live ledger: https://beancount.io/ledger/open_ledger/lithia-driveway
- [Lockheed Martin](https://beancount.io/open-ledger/lockheed-martin): Live ledger: https://beancount.io/ledger/open_ledger/lockheed-martin
- [Lowes](https://beancount.io/open-ledger/lowes): Live ledger: https://beancount.io/ledger/open_ledger/lowes
- [Lululemon](https://beancount.io/open-ledger/lululemon): Live ledger: https://beancount.io/ledger/open_ledger/lululemon
- [M T Bank](https://beancount.io/open-ledger/m-t-bank): Live ledger: https://beancount.io/ledger/open_ledger/m-t-bank
- [Marsh Mclennan](https://beancount.io/open-ledger/marsh-mclennan): Live ledger: https://beancount.io/ledger/open_ledger/marsh-mclennan
- [Marvell](https://beancount.io/open-ledger/marvell): Live ledger: https://beancount.io/ledger/open_ledger/marvell
- [Maxlinear](https://beancount.io/open-ledger/maxlinear): Live ledger: https://beancount.io/ledger/open_ledger/maxlinear
- [Mccormick](https://beancount.io/open-ledger/mccormick): Live ledger: https://beancount.io/ledger/open_ledger/mccormick
- [Medpace](https://beancount.io/open-ledger/medpace): Live ledger: https://beancount.io/ledger/open_ledger/medpace
- [Medtronic](https://beancount.io/open-ledger/medtronic): Live ledger: https://beancount.io/ledger/open_ledger/medtronic
- [Meta](https://beancount.io/open-ledger/meta): Live ledger: https://beancount.io/ledger/open_ledger/meta
- [Micron](https://beancount.io/open-ledger/micron): Live ledger: https://beancount.io/ledger/open_ledger/micron
- [Microsoft](https://beancount.io/open-ledger/microsoft): Live ledger: https://beancount.io/ledger/open_ledger/microsoft
- [Minimax](https://beancount.io/open-ledger/minimax): Live ledger: https://beancount.io/ledger/open_ledger/minimax
- [Molina Healthcare](https://beancount.io/open-ledger/molina-healthcare): Live ledger: https://beancount.io/ledger/open_ledger/molina-healthcare
- [Mongodb](https://beancount.io/open-ledger/mongodb): Live ledger: https://beancount.io/ledger/open_ledger/mongodb
- [Moodys](https://beancount.io/open-ledger/moodys): Live ledger: https://beancount.io/ledger/open_ledger/moodys
- [Morgan Stanley](https://beancount.io/open-ledger/morgan-stanley): Live ledger: https://beancount.io/ledger/open_ledger/morgan-stanley
- [Msc Industrial](https://beancount.io/open-ledger/msc-industrial): Live ledger: https://beancount.io/ledger/open_ledger/msc-industrial
- [Msci](https://beancount.io/open-ledger/msci): Live ledger: https://beancount.io/ledger/open_ledger/msci
- [Mueller Industries](https://beancount.io/open-ledger/mueller-industries): Live ledger: https://beancount.io/ledger/open_ledger/mueller-industries
- [Nasdaq](https://beancount.io/open-ledger/nasdaq): Live ledger: https://beancount.io/ledger/open_ledger/nasdaq
- [Netflix](https://beancount.io/open-ledger/netflix): Live ledger: https://beancount.io/ledger/open_ledger/netflix
- [Newmont](https://beancount.io/open-ledger/newmont): Live ledger: https://beancount.io/ledger/open_ledger/newmont
- [Nextera Energy](https://beancount.io/open-ledger/nextera-energy): Live ledger: https://beancount.io/ledger/open_ledger/nextera-energy
- [Nike](https://beancount.io/open-ledger/nike): Live ledger: https://beancount.io/ledger/open_ledger/nike
- [Nio](https://beancount.io/open-ledger/nio): Live ledger: https://beancount.io/ledger/open_ledger/nio
- [Nokia](https://beancount.io/open-ledger/nokia): Live ledger: https://beancount.io/ledger/open_ledger/nokia
- [Norfolk Southern](https://beancount.io/open-ledger/norfolk-southern): Live ledger: https://beancount.io/ledger/open_ledger/norfolk-southern
- [Northern Trust](https://beancount.io/open-ledger/northern-trust): Live ledger: https://beancount.io/ledger/open_ledger/northern-trust
- [Northrop Grumman](https://beancount.io/open-ledger/northrop-grumman): Live ledger: https://beancount.io/ledger/open_ledger/northrop-grumman
- [Novo Nordisk](https://beancount.io/open-ledger/novo-nordisk): Live ledger: https://beancount.io/ledger/open_ledger/novo-nordisk
- [Nubank](https://beancount.io/open-ledger/nubank): Live ledger: https://beancount.io/ledger/open_ledger/nubank
- [Nvidia](https://beancount.io/open-ledger/nvidia): Live ledger: https://beancount.io/ledger/open_ledger/nvidia
- [Old Republic](https://beancount.io/open-ledger/old-republic): Live ledger: https://beancount.io/ledger/open_ledger/old-republic
- [Oracle](https://beancount.io/open-ledger/oracle): Live ledger: https://beancount.io/ledger/open_ledger/oracle
- [Palantir](https://beancount.io/open-ledger/palantir): Live ledger: https://beancount.io/ledger/open_ledger/palantir
- [Palo Alto Networks](https://beancount.io/open-ledger/palo-alto-networks): Live ledger: https://beancount.io/ledger/open_ledger/palo-alto-networks
- [Paychex](https://beancount.io/open-ledger/paychex): Live ledger: https://beancount.io/ledger/open_ledger/paychex
- [Pdd Holdings](https://beancount.io/open-ledger/pdd-holdings): Live ledger: https://beancount.io/ledger/open_ledger/pdd-holdings
- [Pegasystems](https://beancount.io/open-ledger/pegasystems): Live ledger: https://beancount.io/ledger/open_ledger/pegasystems
- [Peloton](https://beancount.io/open-ledger/peloton): Live ledger: https://beancount.io/ledger/open_ledger/peloton
- [Pepsico](https://beancount.io/open-ledger/pepsico): Live ledger: https://beancount.io/ledger/open_ledger/pepsico
- [Pge](https://beancount.io/open-ledger/pge): Live ledger: https://beancount.io/ledger/open_ledger/pge
- [Philip Morris](https://beancount.io/open-ledger/philip-morris): Live ledger: https://beancount.io/ledger/open_ledger/philip-morris
- [Pnc](https://beancount.io/open-ledger/pnc): Live ledger: https://beancount.io/ledger/open_ledger/pnc
- [Pool Corp](https://beancount.io/open-ledger/pool-corp): Live ledger: https://beancount.io/ledger/open_ledger/pool-corp
- [Procter Gamble](https://beancount.io/open-ledger/procter-gamble): Live ledger: https://beancount.io/ledger/open_ledger/procter-gamble
- [Progressive](https://beancount.io/open-ledger/progressive): Live ledger: https://beancount.io/ledger/open_ledger/progressive
- [Prologis](https://beancount.io/open-ledger/prologis): Live ledger: https://beancount.io/ledger/open_ledger/prologis
- [Pultegroup](https://beancount.io/open-ledger/pultegroup): Live ledger: https://beancount.io/ledger/open_ledger/pultegroup
- [Quantumscape](https://beancount.io/open-ledger/quantumscape): Live ledger: https://beancount.io/ledger/open_ledger/quantumscape
- [Quest Diagnostics](https://beancount.io/open-ledger/quest-diagnostics): Live ledger: https://beancount.io/ledger/open_ledger/quest-diagnostics
- [Regions Financial](https://beancount.io/open-ledger/regions-financial): Live ledger: https://beancount.io/ledger/open_ledger/regions-financial
- [Reliance](https://beancount.io/open-ledger/reliance): Live ledger: https://beancount.io/ledger/open_ledger/reliance
- [Rli](https://beancount.io/open-ledger/rli): Live ledger: https://beancount.io/ledger/open_ledger/rli
- [Robinhood](https://beancount.io/open-ledger/robinhood): Live ledger: https://beancount.io/ledger/open_ledger/robinhood
- [Rocket Lab](https://beancount.io/open-ledger/rocket-lab): Live ledger: https://beancount.io/ledger/open_ledger/rocket-lab
- [Rollins](https://beancount.io/open-ledger/rollins): Live ledger: https://beancount.io/ledger/open_ledger/rollins
- [Rpm International](https://beancount.io/open-ledger/rpm-international): Live ledger: https://beancount.io/ledger/open_ledger/rpm-international
- [Rtx](https://beancount.io/open-ledger/rtx): Live ledger: https://beancount.io/ledger/open_ledger/rtx
- [Ryder](https://beancount.io/open-ledger/ryder): Live ledger: https://beancount.io/ledger/open_ledger/ryder
- [Salesforce](https://beancount.io/open-ledger/salesforce): Live ledger: https://beancount.io/ledger/open_ledger/salesforce
- [Seagate](https://beancount.io/open-ledger/seagate): Live ledger: https://beancount.io/ledger/open_ledger/seagate
- [Selective](https://beancount.io/open-ledger/selective): Live ledger: https://beancount.io/ledger/open_ledger/selective
- [Shopify](https://beancount.io/open-ledger/shopify): Live ledger: https://beancount.io/ledger/open_ledger/shopify
- [Slb](https://beancount.io/open-ledger/slb): Live ledger: https://beancount.io/ledger/open_ledger/slb
- [Slm](https://beancount.io/open-ledger/slm): Live ledger: https://beancount.io/ledger/open_ledger/slm
- [Snap On](https://beancount.io/open-ledger/snap-on): Live ledger: https://beancount.io/ledger/open_ledger/snap-on
- [Snowflake](https://beancount.io/open-ledger/snowflake): Live ledger: https://beancount.io/ledger/open_ledger/snowflake
- [Sonoco](https://beancount.io/open-ledger/sonoco): Live ledger: https://beancount.io/ledger/open_ledger/sonoco
- [Southwest Airlines](https://beancount.io/open-ledger/southwest-airlines): Live ledger: https://beancount.io/ledger/open_ledger/southwest-airlines
- [Spacex](https://beancount.io/open-ledger/spacex): Live ledger: https://beancount.io/ledger/open_ledger/spacex
- [Spotify](https://beancount.io/open-ledger/spotify): Live ledger: https://beancount.io/ledger/open_ledger/spotify
- [Starbucks](https://beancount.io/open-ledger/starbucks): Live ledger: https://beancount.io/ledger/open_ledger/starbucks
- [State Street](https://beancount.io/open-ledger/state-street): Live ledger: https://beancount.io/ledger/open_ledger/state-street
- [Steel Dynamics](https://beancount.io/open-ledger/steel-dynamics): Live ledger: https://beancount.io/ledger/open_ledger/steel-dynamics
- [Stitch Fix](https://beancount.io/open-ledger/stitch-fix): Live ledger: https://beancount.io/ledger/open_ledger/stitch-fix
- [Synchrony](https://beancount.io/open-ledger/synchrony): Live ledger: https://beancount.io/ledger/open_ledger/synchrony
- [Synopsys](https://beancount.io/open-ledger/synopsys): Live ledger: https://beancount.io/ledger/open_ledger/synopsys
- [Target](https://beancount.io/open-ledger/target): Live ledger: https://beancount.io/ledger/open_ledger/target
- [Td Synnex](https://beancount.io/open-ledger/td-synnex): Live ledger: https://beancount.io/ledger/open_ledger/td-synnex
- [Tencent](https://beancount.io/open-ledger/tencent): Live ledger: https://beancount.io/ledger/open_ledger/tencent
- [Tesla](https://beancount.io/open-ledger/tesla): Live ledger: https://beancount.io/ledger/open_ledger/tesla
- [Texas Instruments](https://beancount.io/open-ledger/texas-instruments): Live ledger: https://beancount.io/ledger/open_ledger/texas-instruments
- [Thermo Fisher](https://beancount.io/open-ledger/thermo-fisher): Live ledger: https://beancount.io/ledger/open_ledger/thermo-fisher
- [Thor Industries](https://beancount.io/open-ledger/thor-industries): Live ledger: https://beancount.io/ledger/open_ledger/thor-industries
- [Tjx](https://beancount.io/open-ledger/tjx): Live ledger: https://beancount.io/ledger/open_ledger/tjx
- [Tractor Supply](https://beancount.io/open-ledger/tractor-supply): Live ledger: https://beancount.io/ledger/open_ledger/tractor-supply
- [Travelers](https://beancount.io/open-ledger/travelers): Live ledger: https://beancount.io/ledger/open_ledger/travelers
- [Truist](https://beancount.io/open-ledger/truist): Live ledger: https://beancount.io/ledger/open_ledger/truist
- [Tsmc](https://beancount.io/open-ledger/tsmc): Live ledger: https://beancount.io/ledger/open_ledger/tsmc
- [Uber](https://beancount.io/open-ledger/uber): Live ledger: https://beancount.io/ledger/open_ledger/uber
- [Ulta Beauty](https://beancount.io/open-ledger/ulta-beauty): Live ledger: https://beancount.io/ledger/open_ledger/ulta-beauty
- [Unifirst](https://beancount.io/open-ledger/unifirst): Live ledger: https://beancount.io/ledger/open_ledger/unifirst
- [Union Pacific](https://beancount.io/open-ledger/union-pacific): Live ledger: https://beancount.io/ledger/open_ledger/union-pacific
- [United Airlines](https://beancount.io/open-ledger/united-airlines): Live ledger: https://beancount.io/ledger/open_ledger/united-airlines
- [United Natural Foods](https://beancount.io/open-ledger/united-natural-foods): Live ledger: https://beancount.io/ledger/open_ledger/united-natural-foods
- [United Rentals](https://beancount.io/open-ledger/united-rentals): Live ledger: https://beancount.io/ledger/open_ledger/united-rentals
- [Unitedhealth](https://beancount.io/open-ledger/unitedhealth): Live ledger: https://beancount.io/ledger/open_ledger/unitedhealth
- [Us Bancorp](https://beancount.io/open-ledger/us-bancorp): Live ledger: https://beancount.io/ledger/open_ledger/us-bancorp
- [Vail Resorts](https://beancount.io/open-ledger/vail-resorts): Live ledger: https://beancount.io/ledger/open_ledger/vail-resorts
- [Verisign](https://beancount.io/open-ledger/verisign): Live ledger: https://beancount.io/ledger/open_ledger/verisign
- [Verizon](https://beancount.io/open-ledger/verizon): Live ledger: https://beancount.io/ledger/open_ledger/verizon
- [Walmart](https://beancount.io/open-ledger/walmart): Live ledger: https://beancount.io/ledger/open_ledger/walmart
- [Waste Connections](https://beancount.io/open-ledger/waste-connections): Live ledger: https://beancount.io/ledger/open_ledger/waste-connections
- [Wells Fargo](https://beancount.io/open-ledger/wells-fargo): Live ledger: https://beancount.io/ledger/open_ledger/wells-fargo
- [Western Alliance](https://beancount.io/open-ledger/western-alliance): Live ledger: https://beancount.io/ledger/open_ledger/western-alliance
- [Western Digital](https://beancount.io/open-ledger/western-digital): Live ledger: https://beancount.io/ledger/open_ledger/western-digital
- [Winnebago](https://beancount.io/open-ledger/winnebago): Live ledger: https://beancount.io/ledger/open_ledger/winnebago
- [Workday](https://beancount.io/open-ledger/workday): Live ledger: https://beancount.io/ledger/open_ledger/workday
- [Wyndham](https://beancount.io/open-ledger/wyndham): Live ledger: https://beancount.io/ledger/open_ledger/wyndham
- [Zions](https://beancount.io/open-ledger/zions): Live ledger: https://beancount.io/ledger/open_ledger/zions
- [Zoom](https://beancount.io/open-ledger/zoom): Live ledger: https://beancount.io/ledger/open_ledger/zoom
- [Zscaler](https://beancount.io/open-ledger/zscaler): Live ledger: https://beancount.io/ledger/open_ledger/zscaler

## Developers

- [Beancount.io REST API Reference](https://beancount.io/docs/api-reference): Interactive Scalar reference for the public ledger REST API - inspect schemas, code samples, authentication, and operations
- [Beancount Prices API Reference](https://beancount.io/docs/prices-api-reference): Interactive Scalar reference for the Beancount Prices API - inspect endpoints, schemas, and code samples
- [Beancount.io OpenAPI Spec](https://beancount.io/openapi.json): OpenAPI 3.1 spec for the Beancount.io API - use for function calling and code generation
- [Beancount.io GraphQL API](https://beancount.io/graphql): GraphQL endpoint - 12 operations, 22 types, supports scoped API keys and OAuth
- [Beancount.io MCP Server](https://beancount.io/mcp): Model Context Protocol server at https://beancount.io/api-gateway/mcp - one tool per operation: ledger tools (runBqlQuery, listLedgerFiles, readLedgerFiles, appendLedgerText, and createLedgerFiles/updateLedgerFiles/deleteLedgerFiles with dry_run preview and atomic git commits) plus bank-import tools; the tool set grows, so read the current enumeration at https://beancount.io/.well-known/mcp.json. Hosted access needs a Web Beancount account with a ledger-scoped OAuth 2.1 grant or token
- [Beancount.io API Docs](https://beancount.io/docs): Full API and product documentation - every doc available as text/markdown via Accept negotiation or .md suffix
- [Beancount.io Sitemap](https://beancount.io/sitemap.xml): Full site map with hreflang alternates - start here to discover all pages
- [Beancount.io LLMs Full](https://beancount.io/llms-full.txt): Complete English docs corpus concatenated - one fetch for the whole knowledge base

## Resources

- [A Founder's Guide to Essential U.S. Business Licenses & Permits](https://beancount.io/founder-resources/essential-business-licenses): Understanding the essential business licenses and permits needed for startups in the U.S. is crucial for legal operation and future growth. This guide provides a clear overview of the most common requirements founders should be aware of.
- [A Founder's Guide to the Startup Chart of Accounts](https://beancount.io/founder-resources/startup-chart-of-accounts): Learn how to create a well-structured Chart of Accounts for your startup that serves as a financial framework, enabling you to manage your finances effectively as you grow.
- [Awesome Beancount - Curated Resources & Tools](https://beancount.io/awesome-beancount): The Beancount ecosystem in one place: tools, plugins, importers and resources for plain-text accounting, from the core engine to mobile apps.
- [Beancount Demo - Try Plain-Text Accounting](https://beancount.io/demo): Try Beancount's interactive demo: open a live plain-text ledger and see how transparent, scriptable accounting works for developers and finance teams.
- [Beancount Setup for Startups](https://beancount.io/founder-resources/beancount-setup-for-startups): Learn how to implement an efficient, open-source accounting system for your startup using Beancount. This guide offers a straightforward setup that ensures your financial records are accurate, auditable, and easily manageable as you grow from pre-seed to Series A.
- [Beancount vs Actual Budget: Envelope Discipline or a Ledger You Audit?](https://beancount.io/compare/beancount-vs-actual-budget): Actual Budget and Beancount are both free, open-source, local-first — and built for different jobs. An honest comparison of envelope budgeting in Actual versus double-entry accounting in Beancount: investments, multi-currency, data formats, bank sync, and which tool fits which reader.
- [Beancount vs Credit Karma: Free as in Ads, or Free as in Yours?](https://beancount.io/compare/beancount-vs-credit-karma): Credit Karma is free because ads and card referrals pay for it — and it has no budgeting tools. An honest Beancount vs Credit Karma comparison: the Mint migration's three-year history cap, what 'free' really means, Mint CSV migration, and where Credit Karma genuinely wins.
- [Beancount vs Excel & Google Sheets for Bookkeeping](https://beancount.io/compare/beancount-vs-spreadsheets): Beancount vs Excel and Google Sheets: where a spreadsheet still wins, where a double-entry ledger that checks itself wins, and how to move your sheet via CSV.
- [Beancount vs GnuCash: Comprehensive Comparison](https://beancount.io/compare/beancount-vs-gnucash): Beancount vs GnuCash: features, usability, platform support and data ownership compared, so you can pick the right double-entry accounting system.
- [Beancount vs Ledger CLI: Choosing a Plain-Text Accounting Tool](https://beancount.io/compare/beancount-vs-ledger-cli): Compare Beancount and Ledger CLI on syntax, validation, performance, reporting, imports, extensibility, Fava, and migration between plain-text ledgers.
- [Beancount vs Mint: What Replaces a Budgeting App That Shut Down?](https://beancount.io/compare/beancount-vs-mint): Mint shut down in March 2024 and Credit Karma has no budgeting tools. An honest look at Beancount as a Mint alternative: plain-text ownership, Mint CSV import, bank sync, mobile apps, and where hosted apps still win.
- [Beancount vs Monarch Money: Rent a Dashboard or Own Your Ledger?](https://beancount.io/compare/beancount-vs-monarch): Monarch Money is the most polished Mint successor — and a $99.99-a-year subscription around a database you can only leave through CSV files. An honest look at Beancount as a Monarch alternative: plain-text ownership, double-entry precision, CSV import, and where Monarch genuinely wins.
- [Beancount vs QuickBooks: Which Accounting System Fits Your Business?](https://beancount.io/compare/beancount-vs-quickbooks): An honest Beancount vs QuickBooks comparison covering bookkeeping, bank feeds, invoicing, auditability, automation, pricing, and migration for small businesses.
- [Beancount vs Simplifi: A Ledger You Own or a Budget You Rent?](https://beancount.io/compare/beancount-vs-simplifi): An honest Beancount vs Simplifi comparison. Simplifi by Quicken is a polished, paid-only budgeting app you rent; Beancount is a complete plain-text accounting system you own. Spending plans, investments, CSV migration, bank sync, and cost.
- [Beancount vs YNAB: Accounting Control or Guided Budgeting?](https://beancount.io/compare/beancount-vs-ynab): An honest Beancount vs YNAB comparison covering envelope budgeting, double-entry accounting, bank sync, mobile apps, investments, data ownership, and cost.
- [Beancount vs. hledger: Finding Your Financial Fit](https://beancount.io/compare/beancount-vs-hledger): Understand the key differences between Beancount and hledger to determine which accounting tool aligns best with your financial needs and technical comfort level.
- [Best Free Accounting Software for Small Business in 2026](https://beancount.io/compare/best-free-accounting-software): Six free accounting tools ranked by what the free tier includes: Beancount.io, Wave, GnuCash, Zoho Books, Manager.io, Akaunting. Checked October 10, 2026.
- [Business Structure Decision & Setup Checklist](https://beancount.io/founder-resources/business-structure-guide): A practical checklist for choosing your startup's business structure and handling the first formation steps, written for founders raising VC.
- [Cash Flow Forecasting: The 13-Week Rolling Forecast Method](https://beancount.io/founder-resources/cash-flow-forecasting): Run a 13-week cash forecast with a workbook that keeps your original plan, records bank actuals and shows weekly variance, plus a sample Beancount ledger.
- [Contact Beancount.io — Get in Touch](https://beancount.io/contact): Contact Beancount.io for support, sales or partnerships at hello@beancount.io, Telegram @beancount or GitHub. Security reports go to security@beancount.io.
- [Contract Templates: Customer & Vendor Agreements](https://beancount.io/founder-resources/contract-templates): Streamline your revenue generation with practical contract templates designed for Seed to Series B teams, ensuring compliance and efficiency in customer and vendor agreements.
- [Email Automation: A Founder's Playbook for Drip Campaigns & Retention](https://beancount.io/founder-resources/email-automation): Learn how to transform sign-ups into loyal users and sustainable revenue with effective email automation strategies. This playbook outlines essential practices for driving user activation and engagement through targeted, event-driven campaigns.
- [Employee Equity Plans: A Founder's Playbook for Stock Options & Vesting](https://beancount.io/founder-resources/employee-equity-plans): A practical guide for founders on designing employee equity plans, covering stock options, vesting strategies, and essential legal and tax considerations.
- [Financial Model Templates for SaaS, Marketplace, and E-commerce](https://beancount.io/founder-resources/financial-model-templates): Robust financial model templates designed for SaaS, Marketplace, and E-commerce businesses, ensuring your forecasts align with actual performance through seamless integration with Beancount.
- [Frequently Asked Questions](https://beancount.io/faq): Plain-text accounting, simplified — answers on pricing, features, security, and how to get started with Beancount.io.
- [Growth Metrics Dashboard](https://beancount.io/founder-resources/growth-metrics-dashboard): Learn how to effectively track key growth metrics like CAC, LTV, and churn with a straightforward dashboard. This guide provides clear definitions, essential calculations, and practical formulas for founders.
- [Hiring Toolkit: Job Descriptions & Interviews](https://beancount.io/founder-resources/hiring-toolkit): This toolkit provides early-stage founders with essential resources for crafting clear job descriptions and conducting structured interviews, ensuring a high hiring standard while minimizing bias.
- [Investor Database — VCs & Angels Directory](https://beancount.io/founder-resources/investor-database): A practical index of databases and directories that help founders connect with venture firms and angel investors tailored to their stage and region.
- [IP Protection Guide: Trademarks & Patents](https://beancount.io/founder-resources/ip-production-guide): Trademark and patent essentials for founders: filing strategies, types of protection and the key timelines that safeguard your innovations and brand.
- [Pitch Deck Template](https://beancount.io/founder-resources/pitch-deck-template): Craft an effective pitch deck with this concise template that offers stage-specific guidance and integrates Beancount-powered metrics for a data-driven approach.
- [Privacy Policy - How we secure and protect your information.](https://beancount.io/privacy-policy): Beancount.io Privacy Policy: how we collect, use and protect your personal and financial information, and the controls you keep over your own data.
- [Product-Led Growth: A Playbook for Onboarding & Viral Loops](https://beancount.io/founder-resources/product-led-growth): Learn how to effectively design onboarding experiences and viral loops to drive customer acquisition and enhance user engagement in early-stage companies.
- [Reads and Finds](https://beancount.io/reads-and-finds): A curated collection of ideas, tools, and teams that are reshaping how we build and learn.
- [Remote Team Playbook: Distributed Team Best Practices](https://beancount.io/founder-resources/remote-team-playbook): Creating a successful remote team requires intentional design and clear principles. This playbook outlines essential practices for building a high-output, low-drama distributed team, focusing on communication, wellbeing, and operational efficiency.
- [Salary Benchmarking: Market-rate Compensation](https://beancount.io/founder-resources/salary-benchmarking): Understanding market-rate compensation involves navigating various data sources and defining your pay philosophy. This guide provides a practical framework for founders and HR leaders to establish a defensible salary benchmarking system.
- [Startup Cheat Sheet](https://beancount.io/founder-resources/startup-cheat-sheet): Compact, battle-tested playbook for founders covering strategy, distribution, pricing, sales, fundraising, team, operations, moats, and templates.
- [Term Sheet Negotiation: Valuation & Control Terms](https://beancount.io/founder-resources/term-sheet-negotiation): Understanding the intricacies of term sheet negotiations is essential for founders. This guide provides insights into valuation and control terms, enabling you to make informed decisions that shape your startup's future.
- [Terms of Service](https://beancount.io/terms-of-service): Beancount.io Terms of Service: the terms and conditions that govern your use of the plain-text accounting platform, and your rights and responsibilities.
- [The 4 Best Firefly III Alternatives in 2026 (Self-Hosted)](https://beancount.io/compare/firefly-iii-alternatives): Firefly III is free and self-hosted but won't track stocks. Four ranked alternatives — Beancount.io, Actual Budget, Sure, GnuCash — checked October 9, 2026.
- [The 5 Best Accounting Tools for AI Agents in 2026 (Sourced Workflow Comparison)](https://beancount.io/compare/best-accounting-tools-for-ai-agents): Which accounting tool fits an AI-agent workflow? Beancount.io, Xero, QuickBooks Online, Puzzle and hledger compared on the same seven agent-workflow criteria — installation, authentication, read/write scope, local versus cloud data, preview and validation, structured output, and repeated-import behavior — with dated official sources and one observed end-to-end run.
- [The 6 Best Copilot Money Alternatives in 2026 (Cross-Platform & Free)](https://beancount.io/compare/copilot-alternatives): Comparing Copilot Money to Monarch, YNAB or a free option? Six ranked alternatives — Beancount.io, Monarch Money, Quicken Simplifi, YNAB, Actual Budget and Empower — with prices rechecked September 14, 2026 and a clear answer on platforms, export and who holds your history.
- [The 6 Best Free and Open-Source YNAB Alternatives](https://beancount.io/compare/ynab-alternatives): Looking for a free, open-source or self-hosted YNAB alternative? Six ranked options — Beancount.io, Actual Budget, Monarch Money, EveryDollar, Goodbudget and PocketSmith — with prices checked September 2026 and honest trade-offs on method and data ownership.
- [The 6 Best FreshBooks Alternatives in 2026 (Free and Paid)](https://beancount.io/compare/freshbooks-alternatives): Six ranked FreshBooks alternatives — Beancount.io, Zoho Books, QuickBooks Online, Xero, Wave and GnuCash — with prices checked October 4, 2026.
- [The 6 Best Mint Alternatives After the Shutdown](https://beancount.io/compare/mint-alternatives): Mint shut down in March 2024 and Intuit moved its users to Credit Karma, which does not budget. Six ranked Mint alternatives — Beancount.io, Monarch Money, YNAB, Actual Budget, Copilot Money and Credit Karma — with real prices checked September 2026 and a clear answer on who owns your data when you leave.
- [The 6 Best Monarch Money Alternatives (Including Free)](https://beancount.io/compare/monarch-alternatives): Searching for a free Monarch Money alternative — or a lower bill after Core hit $99.99/yr and Plus $199.99/yr? Six ranked options — Beancount.io, Actual Budget, Quicken Simplifi, Copilot, YNAB and Empower — with prices checked September 2026 and a clear answer on who holds your history.
- [The 6 Best Personal Capital / Empower Alternatives](https://beancount.io/compare/empower-alternatives): Looking for Personal Capital alternatives after the rename to Empower Personal Dashboard? Six ranked net-worth and investment trackers — Beancount.io, Kubera, ProjectionLab, Sharesight, Monarch Money and Quicken Simplifi — with prices checked September 2026 and no advisory upsell required.
- [The 6 Best QuickBooks Alternatives in 2026 (Free and Paid, Ranked)](https://beancount.io/compare/quickbooks-alternatives): Six ranked QuickBooks alternatives — Beancount.io, Xero, Wave, FreshBooks, Zoho Books and GnuCash — with real prices, trade-offs and accountant acceptance.
- [The 6 Best Quicken Alternatives in 2026 (Desktop and Cloud, Ranked)](https://beancount.io/compare/quicken-alternatives): Quicken went subscription-only, so software people bought once now bills every year. Six ranked Quicken alternatives — Beancount.io, Monarch Money, Moneydance, Actual Budget, Simplifi and YNAB — with real prices and a clear answer on which ones keep your data on your own machine.
- [The 6 Best Wave Accounting Alternatives in 2026 (Free and Paid)](https://beancount.io/compare/wave-alternatives): Wave Accounting moved bank feeds and collaborators to Pro ($19/mo or $190/yr). Six ranked alternatives, free and paid, with prices checked October 4, 2026.
- [The 6 Best Xero Alternatives in 2026 (Free and Paid, Ranked)](https://beancount.io/compare/xero-alternatives): Six ranked Xero alternatives — Beancount.io, QuickBooks Online, Zoho Books, FreshBooks, Wave and GnuCash — with prices checked October 4, 2026.
- [The 6 Best Zoho Books Alternatives in 2026 (Free and Paid, Ranked)](https://beancount.io/compare/zoho-books-alternatives): Six ranked Zoho Books alternatives — Beancount.io, QuickBooks Online, Xero, FreshBooks, Wave and GnuCash — with prices checked October 4, 2026.
- [The 7 Best Sage Alternatives in 2026](https://beancount.io/compare/sage-alternatives): Seven ranked Sage 50 alternatives - QuickBooks, Xero, Zoho Books, Wave, FreshBooks, GnuCash and Beancount.io - checked October 25, 2026.
- [The Founder's Monthly Legal Compliance Calendar](https://beancount.io/founder-resources/legal-compliance-calendar): A practical checklist for founders to maintain legal compliance each month, ensuring your startup remains attractive for investment and simplifies due diligence.
- [The SEO-Driven Content Marketing Playbook for Founders](https://beancount.io/founder-resources/content-marketing-playbook): Learn how to create an effective content marketing strategy that drives organic growth, attracts qualified traffic, and builds a sustainable competitive advantage for your startup.
- [The Ultimate Startup Formation Checklist](https://beancount.io/founder-resources/startup-formation-checklist): Establish a solid foundation for your startup with this comprehensive checklist, covering essential steps from co-founder alignment to preparing a fundraising-ready data room.

## Docs

- [Documentation](https://beancount.io/docs)
- [Add your first transaction in the Beancount.io app](https://beancount.io/docs/add-your-first-transaction-ui.md): get-started. Record your first transaction in the Beancount.io web or mobile app: pick a date, payee and two accounts, then save a balanced debit and credit.
- [Beancount CLI quick start](https://beancount.io/docs/Basics/bea-cli.md): get-started. Install the bea command, create a local Beancount ledger, record your first purchase, and check your balances.
- [Your first month with bea](https://beancount.io/docs/Basics/bea-first-month.md): get-started. Open a ledger, record a week of purchases, import a bank export, reconcile to a 3206.81 USD statement, and read the month's reports with bea.
- [Beancount Query Language (BQL): query your ledger](https://beancount.io/docs/Basics/beancount-query-language.md): how-to. Query your Beancount ledger with BQL, a SQL-like language: SELECT syntax, columns, aggregate and inventory functions, and reports run with bea query.
- [Beancount cheat sheet: syntax and directives](https://beancount.io/docs/Basics/cheatsheet.md): reference. One-page Beancount syntax reference: account types and signs, commodities, transactions and postings, balance, metadata, events, tags and options.
- [Fava options reference for the Beancount web UI](https://beancount.io/docs/Basics/fava-options.md): reference. Fava configuration options for Beancount ledgers: customize the web UI with fava-option directives in your ledger files.
- [Beancount tutorial: install and first ledger](https://beancount.io/docs/Basics/getting-started.md): get-started. Install Beancount, create your first ledger file, set accounts and options, then validate — a first-success walkthrough.
- [Beancount lots, cost basis and booking methods](https://beancount.io/docs/Basics/inventories.md): concept. How Beancount books lots when you sell stocks or currencies: cost basis, lot specs, STRICT, FIFO, LIFO and HIFO booking, price vs cost, per-account overrides.
- [Configure Beancount ledgers with option directives](https://beancount.io/docs/Basics/options-configuration.md): reference. Every Beancount option directive, checked on 3.2.3: operating currency, root account names, tolerances, documents, plugins, and options that were removed.
- [How Beancount rounds amounts and sets tolerances](https://beancount.io/docs/Basics/precision.md): concept. How Beancount infers tolerances from your numbers, when a transaction or balance assertion passes, and how to set explicit tolerances and track rounding.
- [Beancount syntax reference: directives, accounts, amounts](https://beancount.io/docs/Basics/syntax.md): reference. Beancount language syntax reference: directives, transactions, account naming, tags, metadata, and formatting for plain-text ledgers.
- [Beancount CLI reference](https://beancount.io/docs/bea-cli-reference.md): reference. Find bea commands, options, report behavior, JSON output, exit codes, and fixes for common local-ledger errors.
- [Cash-flow roles: classify accounts in Beancount.io](https://beancount.io/docs/cash-flow-roles.md): reference. Add cash-flow-role metadata to an open directive to classify an account as cash, operating, investing or financing in the Beancount.io cash-flow report.
- [Beancount community setups, plugins, and workflows](https://beancount.io/docs/community-showcase.md): reference. Browse real Beancount accounting setups from the community: plugins, Fava workflows, GitHub projects, and tailored books.
- [Copyable Beancount ledger examples to start from](https://beancount.io/docs/examples.md): reference. Copy six live, validated Beancount ledger patterns: household finances, envelope budgets, freelance invoicing, rental property, crypto, and stock cost basis.
- [Beancount FAQ: Plain-Text Accounting Questions](https://beancount.io/docs/faq.md): faq. FAQ on plain-text accounting with Beancount: imports, debits and credits, multi-currency, cost basis, and Ledger/hledger comparisons.
- [Beancount financial report templates and examples](https://beancount.io/docs/financial-reporting-templates.md): reference. Ready-to-use Beancount templates for income statements, balance sheets, and cash-flow reports — examples for freelancers and small businesses.
- [Beancount and plain-text accounting glossary](https://beancount.io/docs/glossary.md): reference. Plain-language definitions of Beancount and plain-text accounting terms: accounts, postings, cost basis, booking methods, and more.
- [Beancount help center: find a guide by task](https://beancount.io/docs/help-center.md): get-started. Find the Beancount guide for your next step: start books in the browser or with bea, import bank exports, query and report, or manage your account.
- [Beancount chart of accounts setups by industry](https://beancount.io/docs/industry-specific-setups.md): how-to. Example Beancount charts of accounts for freelancers, small businesses and household finance, with the reason for each account and a ledger snippet.
- [What Beancount is: plain-text double-entry books](https://beancount.io/docs/introduction-to-beancount.md): concept. Beancount is plain-text double-entry accounting for stocks, crypto, and everyday books — what it is and why engineers use it.
- [Set up automatic prices in Beancount](https://beancount.io/docs/live-prices.md): how-to. Connect managed price feeds to your hosted Beancount ledger, choose a valuation currency, and understand refreshes, manual overrides, and local compatibility.
- [Model a public company in Beancount](https://beancount.io/docs/model-a-public-company-in-beancount.md): how-to. Turn a public company's balance sheet and income statement into a balanced Beancount ledger with Open Ledger conventions and a PepsiCo example.
- [Delete your Beancount.io account and data](https://beancount.io/docs/request-to-delete-account.md): how-to. Delete your Beancount.io account from Settings, General, Danger Zone, and see which data is erased at once and which narrow records may remain.
- [Give your AI agent a Beancount ledger with bea](https://beancount.io/docs/Solutions/accounting-with-ai-agents.md): how-to. Give an AI agent two bookkeeping jobs with bea: import a bank CSV with preview-first review, and answer a balance question from BQL and report output.
- [How Beancount and Fava power real-time dashboards](https://beancount.io/docs/Solutions/analytics.md): concept. Beancount and Fava turn plain-text ledgers into live dashboards: queryable balances, charts, and real-time financial analytics.
- [Automate bookkeeping with bea](https://beancount.io/docs/Solutions/automate-bookkeeping-with-bea.md): how-to. Script Beancount books with bea: resolve the ledger, parse JSON with jq, branch on exit codes, and schedule a nightly check.
- [Extend bea ask with skills](https://beancount.io/docs/Solutions/bea-ask-skills.md): how-to. Teach bea ask your conventions with SKILL.md: where a skill lives, which copy wins, required frontmatter, and how to prove it loaded.
- [Track a crypto portfolio with cost basis in Beancount](https://beancount.io/docs/Solutions/cryptocurrency-portfolio-tracking.md): how-to. Track a crypto portfolio in Beancount across exchanges, with cost basis, lots, and performance analysis in one ledger.
- [GST/HST Bookkeeping in Beancount for Canadian Businesses](https://beancount.io/docs/Solutions/gst-hst-bookkeeping-canada.md): how-to. Record GST/HST collected and input tax credits in Beancount, book a USD sale in CAD books, and query the net tax for your CRA return.
- [Import a bank CSV into Beancount with bea](https://beancount.io/docs/Solutions/import-bank-exports-cli.md): how-to. Import a bank CSV into your Beancount ledger with bea: map columns, categorize with rules, preview entries, review duplicates, then apply them.
- [Migrate from QuickBooks to Beancount: a cutover guide](https://beancount.io/docs/Solutions/migrate-from-quickbooks.md): how-to. Move your books from QuickBooks to Beancount: export the reports, map the chart of accounts, open the ledger from the trial balance, and tie it out to the cent.
- [Track real estate investments in Beancount.io](https://beancount.io/docs/Solutions/real-estate-investment-tracking.md): how-to. Track rental property in Beancount.io: mortgages, depreciation, cost basis, and a property sale with depreciation recapture.
- [How Python scripts automate Beancount and Fava](https://beancount.io/docs/Solutions/scriptable-workflows.md): concept. Beancount and Fava stay scriptable: use Python to automate reports, balances, and custom workflows against your ledger.
- [How Beancount keeps books transparent and auditable](https://beancount.io/docs/Solutions/transparent-and-auditable.md): concept. Plain-text Beancount and Fava books stay transparent and auditable: every change is a reviewable file diff you can trace.
- [Use LLMs with Beancount to import, review, and query](https://beancount.io/docs/Solutions/using-llms-to-automate-and-enhance-bookkeeping-with-beancount.md): how-to. Categorize transactions with an LLM, review proposed Beancount entries, validate statement balances, and query your books — cloud or local.
- [Prepare taxes with Beancount country-by-country](https://beancount.io/docs/tax-prep-guides.md): how-to. Use Beancount ledger data for tax reporting and filing in the US, Canada, Germany, the UK, and Australia — Form 1040 and beyond.
- [Amortize prepaid expenses in Beancount](https://beancount.io/docs/Tips/amortize.md): how-to. Record a prepaid cost as an asset and release each month's share to expense in Beancount: insurance, software, a retainer and equipment depreciation.
- [Set Beancount budgets and track them in Fava](https://beancount.io/docs/Tips/budgets.md): how-to. Set per-account budgets with custom budget directives in Beancount, compare actual spending to targets in Fava, roll over unspent funds and track income goals.
- [Copy-ready Beancount crypto transaction templates](https://beancount.io/docs/Tips/cryptocurrency-templates-examples.md): reference. Fill-in Beancount templates, each with a loadable example, for crypto buys, sales, swaps, transfers, staking, DeFi lending, mining and airdrops.
- [Filter and search ledger entries in Beancount.io](https://beancount.io/docs/Tips/filtering-and-searching.md): how-to. Filter Beancount.io reports by time, account, tag, link, payee or metadata, exclude matches, and combine filters with AND, OR and regex posting filters.
- [Forecast future transactions in Beancount](https://beancount.io/docs/Tips/forecast-plugin.md): how-to. Project cash, expenses and loan payments with a separate, validated Beancount scenario ledger of future-dated transactions. No forecast plugin needed.
- [Split a Beancount ledger into multiple files](https://beancount.io/docs/Tips/multi-file-support.md): how-to. Split a Beancount ledger across files with include directives: create, include, rename and delete files in the Beancount.io editor, plus price feeds.
- [Copy-ready Beancount templates for rental property](https://beancount.io/docs/Tips/real-estate-templates-examples.md): reference. Fill-in Beancount entries for rental property: purchase and closing costs, mortgage and escrow, rent and deposits, repairs, depreciation and sale.
- [Share or embed your Beancount.io ledger](https://beancount.io/docs/Tips/share-or-embed-your-ledger.md): how-to. Make a Beancount.io ledger public and embed its overview, balance sheet or journal with an iframe, or invite collaborators with full edit access.
- [Add sidebar links and saved queries in Fava](https://beancount.io/docs/Tips/side-bar-link.md): how-to. Add fava-sidebar-link shortcuts for one-click time filters, then save a BQL query that finds negative ending balances. Tested on Fava 1.30.16.
- [Beancount.io and Fava web UI: edit, query, upload](https://beancount.io/docs/Tips/ui-features.md): reference. Edit a Beancount ledger in the web UI: add transactions, attach documents, run BQL queries and tune the view, with tested Fava recipes and Beancount.io notes.

## Blog

- [Beancount.io Blog](https://beancount.io/blog): Plain-text accounting insights, tutorials, and updates from the Beancount.io team.
- [SaaS Gross Margin, Explained: What Belongs in COGS, the 75–80% Benchmark, and Why AI Inference Is Dragging It Down](https://beancount.io/blog/2026/11/01/saas-gross-margin-explained-saas-cogs-benchmarks-ai-inference-guide): SaaS gross margin should clear 75–80%, with subscription margins near 90% — but AI inference costs are dragging AI-native products toward 50–60%.
- [Preferred Equity in Real Estate Deals, Explained: How the Pref Sits Between Senior Debt and Common Equity](https://beancount.io/blog/2026/11/01/preferred-equity-real-estate-explained-pref-senior-debt-common-equity-mezzanine-guide): Preferred equity sits between senior debt and common equity: a fixed 10–18% pref paid before common, with control rights but no foreclosure.
- [The LIFO Conformity Rule, Explained: Why Electing LIFO for Tax Means Using It on Your Financial Statements Too](https://beancount.io/blog/2026/11/01/lifo-conformity-rule-explained-section-472-financial-statements-guide): Elect LIFO for tax and every owner and lender statement must use LIFO too — Section 472 lets the IRS terminate the election over one FIFO report.
- [Triple-Entry Accounting, Explained: How a Shared, Signed Third Entry Turns Two Sets of Books Into One Tamper-Evident Record](https://beancount.io/blog/2026/10/31/triple-entry-accounting-explained-shared-signed-third-entry-reconciliation-guide): Triple-entry accounting adds a shared, signed receipt both parties books reference, so balances agree by construction instead of monthly reconciliation.
- [SUTA Dumping, Explained: Why Shifting Payroll to a Low-Rate Entity Is Tax Evasion](https://beancount.io/blog/2026/10/31/suta-dumping-explained-shell-transfers-experience-rating-penalties-guide): SUTA dumping shifts payroll to a low-rate shell to dodge unemployment tax — the 2004 federal law answers with maximum rates, fines, and criminal charges.
- [Requirements and Output Contracts, Explained: How UCC Section 2-306 Fills the Quantity Gap](https://beancount.io/blog/2026/10/31/requirements-output-contracts-explained-ucc-2-306-good-faith-estimates-exclusivity-guide): A requirements contract quantity is whatever you genuinely need; UCC 2-306 polices it with good faith and a ban on orders far from the estimate.
- [Pilot vs. Bookkeeper360 vs. Merritt: Which Online Bookkeeping Service Fits Your Stage?](https://beancount.io/blog/2026/10/31/pilot-vs-bookkeeper360-vs-merritt-price-tax-cfo-fit-guide): Pilot starts ~$99/mo for US accrual startups, Bookkeeper360 ~$399/mo with tax and CFO add-ons, Merritt $250 flat — match the service to your stage.
- [Long-Lived Asset Impairment, Explained: The Two-Step Recoverability Test Under ASC 360](https://beancount.io/blog/2026/10/31/long-lived-asset-impairment-explained-asc-360-recoverability-test-guide): Impairment hits only when undiscounted cash flows fall short of carrying amount; the loss is book value minus fair value, and GAAP never reverses it.
- [Life-Cycle Costing, Explained: How to Total a Product or Asset's Costs From Design to Disposal](https://beancount.io/blog/2026/10/31/life-cycle-costing-explained-total-cost-design-disposal-guide): Life-cycle costing totals purchase, installation, operating, maintenance, financing, and disposal costs — so the cheaper quote stops winning on price alone.
- [Licensing Revenue, Explained: Functional vs. Symbolic IP Under ASC 606](https://beancount.io/blog/2026/10/31/licensing-revenue-functional-symbolic-ip-asc-606-royalty-exception-guide): Functional IP licenses recognize revenue at grant; symbolic IP spreads it over the term — plus the royalty exception and minimum guarantees under ASC 606.
- [Deel vs. Remote vs. Oyster: Which Employer of Record Fits Your First International Hire?](https://beancount.io/blog/2026/10/31/deel-vs-remote-vs-oyster-eor-compared-price-coverage-contractors-guide): Deel charges $599 per employee per month, Remote and Oyster $699 — but deposits, FX markups, and entity models decide the real cost.
- [Cube vs. Jirav vs. Datarails: Which Spreadsheet-Friendly FP&A Tool Fits Your Finance Team?](https://beancount.io/blog/2026/10/31/cube-vs-jirav-vs-datarails-fpa-software-compared-guide): Cube starts around $30,000/year, Jirav around $10,000, Datarails is quote-based — pick by where your team models: Sheets, web app, or Excel.
- [Common-Control Leases, Explained: How ASU 2023-01 Lets Private Companies Use Written Terms That Aren't Legally Enforceable](https://beancount.io/blog/2026/10/31/common-control-leases-explained-asu-2023-01-written-terms-leasehold-improvements-guide): ASU 2023-01 lets private companies use written, even unenforceable, terms for common-control leases and amortize improvements over useful life.
- [Cloud Implementation Costs, Explained: Which Hosting Setup Costs You Capitalize Under ASC 350-40](https://beancount.io/blog/2026/10/31/cloud-implementation-costs-explained-asc-350-40-capitalize-amortization-guide): ASC 350-40 capitalizes only application-development costs — configuration, interfaces, testing — and expenses preliminary, training, and data-migration costs.
- [The Capital Asset Pricing Model (CAPM), Explained: How Beta Turns Market Risk Into an Expected Return](https://beancount.io/blog/2026/10/31/capm-explained-beta-expected-return-risk-free-rate-equity-premium-sml-guide): CAPM sets your required return at the risk-free rate plus beta times the equity risk premium — three inputs that tell you what any risky asset must earn.
- [Bond Ratings, Explained: How S&P, Moody's, and Fitch Grade Default Risk](https://beancount.io/blog/2026/10/31/bond-ratings-explained-sp-moodys-fitch-investment-grade-speculative-guide): BBB- (S&P/Fitch) or Baa3 (Moody's) is the lowest investment-grade bond rating — fall below it and forced selling reprices your bonds.
- [Battle of the Forms, Explained: Whose Terms Win When Your Purchase Order and Their Acknowledgment Disagree](https://beancount.io/blog/2026/10/31/battle-of-the-forms-explained-ucc-2-207-knockout-rule-additional-terms-guide): Extra terms in an acknowledgment enter the contract between merchants unless objected to — but conflicting terms knock each other out.
- [Audit Confirmations, Explained: How Auditors Verify Cash, Receivables, and Lawsuits With Third Parties](https://beancount.io/blog/2026/10/31/audit-confirmations-explained-positive-negative-bank-legal-electronic-guide): Auditors confirm cash, receivables, and lawsuits directly with banks, customers, and lawyers — replies bypass you, and every exception gets investigated.
- [Transfer on Death, Explained: How TOD Deeds, POD Accounts, and TOD Securities Bypass Probate](https://beancount.io/blog/2026/10/30/transfer-on-death-explained-tod-deeds-pod-accounts-securities-guide): TOD and POD designations move bank accounts, brokerage holdings, and real estate to your beneficiary without probate — but creditors and taxes still apply.
- [T+1 Settlement, Explained: Your Stock Trades Now Settle the Next Business Day](https://beancount.io/blog/2026/10/30/t-plus-1-settlement-explained-stocks-bonds-same-day-affirmation-margin-guide): T+1 means your stock trades settle the next business day — less margin float, a smaller good-faith-violation window, and ex-dates shifted one day earlier.

## Bean Labs Research Log

- [Bean Labs Research Log](https://beancount.io/bean-labs/research-logs): Open experiments and findings from Bean Labs — the Finance AI Agent research initiative by Beancount.io.
- [Can your agent balance these books?](https://beancount.io/bean-labs/research-logs/2026/09/10/can-your-agent-balance-these-books): One agent run reconciled a three-row ledger to 2958.50 USD checking and 1958.50 USD September profit, recovering from one failure it diagnosed itself.
- [FinRAGBench-V: Multimodal RAG with Visual Citations in the Financial Domain](https://beancount.io/bean-labs/research-logs/2026/07/12/finragbench-v-multimodal-rag-visual-citation-financial-domain): FinRAGBench-V finds top models reach only 20–61% block-level citation recall on financial pages. Multimodal retrieval beats text-only by nearly 50 points.
- [Can LLM Agents Be CFOs? EnterpriseArena's 132-Month Simulation Reveals a Wide Gap](https://beancount.io/bean-labs/research-logs/2026/07/11/can-llm-agents-be-cfos-enterprisearena-resource-allocation-benchmark): Only Qwen3.5-9B survives 80% of EnterpriseArena's 132-month CFO runs, while GPT-5.4 and DeepSeek-V3.1 hit 0%. Skipped ledger reconciliation causes the failures.
- [WildToolBench: Why No LLM Exceeds 15% Session Accuracy in Real-World Tool Use](https://beancount.io/bean-labs/research-logs/2026/07/10/wildtoolbench-benchmarking-llm-tool-use-in-the-wild): WildToolBench finds no LLM exceeds 15% session accuracy on 1,024 real-user tasks, with hidden intent and instruction transitions the sharpest failure modes.
- [LLM Confidence and Calibration: A Survey of What the Research Actually Shows](https://beancount.io/bean-labs/research-logs/2026/07/09/confidence-estimation-calibration-llms-survey): Verbalized GPT-4 confidence hits only ~62.7% AUROC, barely above chance. Uncertainty-aware finance agents need better calibration than that.
- [JSONSchemaBench: Real-World Schema Complexity Breaks LLM Structured Output Guarantees](https://beancount.io/bean-labs/research-logs/2026/07/08/jsonschemabench-structured-outputs-language-models): JSONSchemaBench finds coverage collapses from 86% on simple schemas to 3% on complex ones, so LLM structured output can silently emit non-compliant JSON.
- [FinMCP-Bench: Benchmarking LLM Agents for Real-World Financial Tool Use under MCP](https://beancount.io/bean-labs/research-logs/2026/07/07/finmcp-bench-llm-agents-financial-tool-use-model-context-protocol): FinMCP-Bench scores the best of six LLMs at just 3.08% exact match on 613 real MCP financial tasks, a 20× collapse from single-tool to multi-turn use.
- [FinTrace: Trajectory-Level Evaluation of LLM Tool Calling for Financial Tasks](https://beancount.io/bean-labs/research-logs/2026/07/06/fintrace-trajectory-level-evaluation-llm-tool-calling-financial-tasks): FinTrace shows frontier LLMs pick the right financial tools (F1 ~0.9) but score just 3.23/5 on using the results, the step that breaks write-back agents.
- [FinToolBench: Evaluating LLM Agents on Real-World Financial Tool Use](https://beancount.io/bean-labs/research-logs/2026/07/05/fintoolbench-evaluating-llm-agents-real-world-financial-tool-use): FinToolBench finds intent mismatch above 50% for every LLM tested, so aggressive tool calling does not mean better answers on financial tasks.
- [OmniEval: Omnidirectional RAG Evaluation Benchmark for the Financial Domain](https://beancount.io/bean-labs/research-logs/2026/07/04/omnieval-omnidirectional-automatic-rag-evaluation-financial-domain): OmniEval scores the best RAG systems at 36% numerical accuracy across 5 financial task types, so ledger agents need validation before writing entries.
- [LLM Anomaly Detection Survey (NAACL 2025): Strong Taxonomy, Absent Tabular Coverage](https://beancount.io/bean-labs/research-logs/2026/07/03/llm-anomaly-ood-detection-survey): The NAACL 2025 taxonomy holds, but tabular coverage is absent. Finance AI teams must adapt vision-model methods themselves.
- [Found in the Middle: Calibrating Positional Attention Bias Improves Long-Context RAG](https://beancount.io/bean-labs/research-logs/2026/07/02/found-in-the-middle-calibrating-positional-attention-bias): Subtracting positional bias from LLM attention weights recovers up to 15 points of RAG accuracy when evidence sits mid-context, aiding finance agent pipelines.
- [Uncertainty-Aware Deferral for LLM Agents: When to Escalate from Small to Large Models](https://beancount.io/bean-labs/research-logs/2026/07/01/redact-uncertainty-aware-deferral-llm-agents): ReDAct defers from a small model to a large one only when perplexity signals uncertainty, cutting cost 64% at matching accuracy for agent workflows.
- [OpenHands: Open Platform for AI Software Agents and What It Means for Finance Automation](https://beancount.io/bean-labs/research-logs/2026/06/30/openhands-open-platform-ai-software-developers-generalist-agents): OpenHands' CodeAct agent scores 26% on SWE-Bench Lite, showing what AI agents reliably do today. Finance automation should start tightly scoped, not autonomous.
- [Fin-RATE: How LLMs Fail at Cross-Period and Cross-Entity Financial Analysis](https://beancount.io/bean-labs/research-logs/2026/06/29/fin-rate-real-world-financial-analytics-tracking-evaluation-benchmark): Fin-RATE shows LLM accuracy collapses 18.60% on longitudinal tracking, with the retrieval pipeline, not the model, as the binding bottleneck.
- [FinDER: Real Analyst Queries Expose a 74% Recall Gap in Financial RAG](https://beancount.io/bean-labs/research-logs/2026/06/28/finder-financial-dataset-rag-evaluation): FinDER's 5,703 real analyst queries show top RAG recalls only 25.95% of 10-K evidence. Normalize abbreviations first, before swapping embeddings.
- [Lost in the Middle: Position Bias in LLMs and Its Impact on Finance AI](https://beancount.io/bean-labs/research-logs/2026/06/27/lost-in-the-middle-language-models-long-contexts): LLMs score up to 20 points worse when the answer sits mid-context, so finance RAG pipelines should place the best passages first or last.
- [AD-LLM Benchmark: GPT-4o Hits 0.93+ AUROC Zero-Shot for Text Anomaly Detection](https://beancount.io/bean-labs/research-logs/2026/06/26/ad-llm-benchmarking-llms-anomaly-detection): AD-LLM finds GPT-4o hits 0.93–0.99 AUROC zero-shot for text anomaly detection, but LLM model selection stays unreliable for financial audit AI.
- [CausalTAD: Causal Column Ordering for LLM Tabular Anomaly Detection](https://beancount.io/bean-labs/research-logs/2026/06/25/causaltad-causal-knowledge-llm-tabular-anomaly-detection): CausalTAD reorders table columns by causal dependency before LLM serialization, raising average AUC-ROC from 0.803 to 0.834 over AnoLLM.
- [AnoLLM: Fine-Tuning LLMs for Tabular Anomaly Detection in Financial Data](https://beancount.io/bean-labs/research-logs/2026/06/24/anollm-llm-fine-tuning-tabular-anomaly-detection): AnoLLM beats classical baselines on mixed-type fraud data by scoring rows with LLM negative log-likelihood, but adds no edge on purely numerical tables.

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