Solo + small firm
You manage 5-30 client books in QBO or Xero
Pattern learning collapses the 15-25 client ceiling. Categorize across every client book in one review queue.
See the bookkeeper viewBuilt by a CPA firm partner who still reconciles books for real clients
For bookkeepers, CPA firms, and founders setting up their first books
Categorizes automatically. You review and approve. Done before lunch.
Growthy reads QuickBooks and Xero transactions, sorts the routine 80%, and asks when it's unsure. 85% accurate on first import. 90%+ on returning clients. No bank rules to write. No black box.
Works with QuickBooks OnlineWorks with Xero85% first-import accuracyFree during alpha
Transaction Dashboard
Processing
PROCESSING TRANSACTION
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AMZN MKTP US*2Y4SK1
Uncategorized
-$89.43
A
Amazon Marketplace
✓ Operating Expenses > Office Supplies
-$89.43
RECENTLY CATEGORIZED
Canva Pro
Software & Tools > Design
-$119.99
Blue Bottle Coffee
Client Entertainment > Meals
-$47.20
Google Workspace
Software & Tools > Productivity
-$180.00
Definition
What is Growthy?
Growthy is an AI bookkeeping platform that categorizes QuickBooks Online and Xero transactions automatically. 85% accurate on first import, 90%+once it learns a client's patterns. You connect QBO or Xero (or upload a bank CSV), Growthy sorts the routine 80% of transactions, then surfaces the rest in a triage queue with confidence scores. You review and approve before anything syncs. There are no bank rules to maintain. Growthy runs in two modes: as a workflow layer on top of your existing QBO or Xero books (no client migration), or as a standalone general ledger replacing QBO/Xero entirely. Built by a CPA firm partner with 18 years of hands-on bookkeeping. Free during alpha, 5 company slots open.
Key takeaways
Six things that matter, in plain English.
Specific numbers, no hype. Every claim has a number behind it or names what the alternative breaks.
- 01
Two ways to use it
Layer Growthy on top of QBO or Xero with no migration, or run it as your standalone GL. Same review queue either way.
- 02
85% accurate on first import
Climbs to 90%+ on returning clients as it learns the patterns. Source: brand-facts.
- 03
No bank rules to manage
Pattern learning replaces the 30-rule-per-client maintenance burden. Move a transaction. Growthy remembers.
- 04
Built for three audiences
Solo and small-firm bookkeepers at the 15-25 client ceiling. CPA firms running advisory plus bookkeeping. New founders setting up their first books.
- 05
You review before sync
Read-only access by default. Nothing posts until you approve. Audit-ready, not just fast.
- 06
Free during alpha · 5 company slots
Direct support from Bobby and Sam. Lock in $99/mo for two years when alpha closes.
The Monday morning view
247 transactions categorized. 13 need you.
The routine 80% gets sorted with a confidence score. The remaining 20% (Stripe deposits, loan transfers, ACH-with-no-description) go in the queue for you to review. Done before lunch, not before midnight.
Multi-client review queue · 5 client books · mixed personas · Apr 2026
234 auto9 check4 flag
Apr 14STRIPE DEPOSIT · Acme Bakery→ Sales income · Stripe processing fees+$3,847.9264%F
Apr 14ACH PAYMENT 847293847 · Riverside Dental→ Needs review−$3,200.0018%↳
Apr 13RAMP-CARD-1234 · Northstar Consulting→ Office Supplies−$184.2099%⏎
Apr 13OWNER DRAW · J2 Studio→ Owner Distributions · verify−$2,500.0058%F
Apr 12QUICKBOOKS ONLINE · Mott Auto Body→ Software Subscriptions−$24.9999%⏎
13 of 247 needing eyes · sorted by client⏎approveFflag↳recat
Pick your version
Pick the version that matches your work.
Three flavors of the same product. Pick the one that sounds like you.
- 2-50 staff
Your firm runs CAS plus advisory
Scale advisory revenue without hiring more bookkeepers. Pattern learning runs the categorization labor wall down to zero.
See the firm view - First-time founder
You are picking your first accounting tool
Skip the QBO learning curve. Start on the AI-native GL you'll still use at $1M revenue. No rules to build.
See the AI bookkeeping view
A Monday morning, end to end
Same three-step rhythm. Workflow layer or books-of-record.
The rhythm is the same whether you run Growthy as a workflow layer on top of QBO/Xero or as your standalone GL. Ingest, triage, sign off.
01 · overnight
247tx pulled
Ingested
Growthy pulls transactions from QBO, Xero, or your bank CSV. Sorted by client. Sorted by confidence. Already categorized.
02 · morning
247 / 13auto / review
The 5-minute approval pass
247 categorized. 13 flagged for review. Yellow = check it. Red = tell me what this is. The review pass takes about 5 minutes on a routine book.
03 · done
syncor stay
Approved batch lands
The approved batch syncs back to QBO or Xero, or stays in Growthy as your standalone GL. Per-client decision. Switchable.
Two ways to use Growthy
Two ways to use Growthy.
Same review queue.
Workflow mode is the on-ramp. Standalone mode is the destination, when and if you choose.
Mode 1 · default
For QBO and Xero users
On top of QBO or Xero
Connect QBO or Xero in read-only mode in 2 minutes. Categorize all client transactions in Growthy. Push the approved batch back to your existing books. Clients keep seeing QBO or Xero. No migration.
- →Connect QBO or Xero (read-only) in 2 minutes
- →Categorize all client transactions in Growthy
- →Approved batch syncs back to your existing books
- →Client migration: none
Mode 2 · standalone
For new founders and ready-to-migrate
Replace QBO or Xero entirely
Growthy is your general ledger. Native double-entry. Full P&L, Balance Sheet, Trial Balance, Cash Flow. Period comparison plus CSV export. Bobby runs Growthy LLC and TracePrep on this mode.
- →Growthy is your general ledger
- →Full P&L, Balance Sheet, Trial Balance, Cash Flow
- →Period comparison plus CSV export
- →Bobby runs Growthy LLC plus TracePrep on this mode
Pattern learning vs bank rules
Why no bank rules.
Bank rules break the moment a vendor name changes, a description format shifts, or a deposit nets out differently. Pattern learning watches what you do, not what you wrote down a year ago.
Bank rulesthe old way
~30 rules per client to maintain
Linear growth in rule maintenance per added client. The 26th client costs the same time as the first.
Breaks on vendor renames, description shifts
Vendor changes its merchant name. Rule misses silently until you notice at month-end review.
Same rule fires across clients (wrong half the time)
Generic rules collide with per-client coding standards. Conflicts resolve silently to one winner.
Requires constant audit
A 450-rule spreadsheet across 15 clients is its own maintenance project.
Pattern learningGrowthy way
Zero rules to write or maintain
Move a transaction once. Growthy memorizes vendor, amount, and memo. The next one books itself.
Per-client memory
Each client book has its own pattern set. The 26th client adds zero rule-maintenance burden.
Confidence score on every guess
Green is auto-post on approval. Yellow is check it. Red is tell me what this is. Confidence drives the queue.
Asks when unsure
Pattern disagreement triggers a flag, surfaced in your queue before it posts.
How Growthy compares
What you would otherwise be doing.
Five alternatives every bookkeeper, firm partner, or new founder has weighed at some point. The Growthy counter for each.
Manual QBO categorization. About 50% accurate. 2 to 3 hours every morning.
Growthy: 85% on first import, climbs to 90%+ on returning clients.
Bank rules. About 30 per client. Break weekly. Generic across books.
Growthy: Zero rules. Per-client pattern memory.
Botkeeper. Reconciles in their system, not QBO. Double work.
Growthy: Categorizes inside your existing QBO or Xero. No double work.
Digits. Forces a full QBO migration. Their system or nothing.
Growthy: Workflow layer on QBO and Xero. No migration.
Pilot. Done-for-you at $600 to $1K a month. Replaces your bookkeeper.
Growthy: You stay in the seat. You review. You approve. You sign off.
FAQ
Frequently asked questions
What is Growthy in one sentence?+
Pattern-learning software that categorizes QuickBooks and Xero transactions automatically, asks when it is unsure, and never posts anything without your approval. 85% accurate on first import, 90%+ on returning clients.
Who is Growthy for?+
Three audiences: solo and small-firm bookkeepers at the 15-25 client ceiling, CPA firms running CAS plus advisory, and new founders picking their first accounting tool. Use the "Pick your version" band above to route.
Does Growthy replace QuickBooks or work with it?+
Both. Mode 1 is a workflow layer on top of QBO or Xero with no migration; clients keep seeing QBO. Mode 2 is a standalone GL replacing QBO or Xero entirely.
How accurate is the AI categorization?+
85% on first import, climbs to 90%+ on returning clients once it learns the patterns. We never claim 95% or 100%. The remaining 15% is the triage queue you review.
Do I need to set up bank rules?+
No. Pattern learning replaces rule lists. Move a transaction once, Growthy remembers for that specific client.
What about Stripe, PayPal, or ACH deposits with no description?+
Those go to the review queue with a confidence score. We flag instead of guessing wrong.
Is Growthy free during alpha?+
Yes. Free for the alpha cohort. Direct support from Bobby and Sam. Lock-in pricing of $99/mo for two years when alpha closes. Published pricing post-alpha is $149/mo annual or $199/mo monthly.
Who built Growthy?+
Bobby Huang, partner at SDO CPA LLC with 18 years of hands-on bookkeeping. Bobby still reconciles real client books and uses Growthy in standalone mode for Growthy LLC and TracePrep.
Is my financial data secure?+
Read-only access by default. We never move money. Bank-level encryption. SOC 2 in progress.
See it work on your data.
Done in 10 minutes.
Free during alpha, 5 company slots open. Connect a client (or upload a bank CSV). Watch the routine 80% sort itself. Review the rest.
Lock in $99/mo when alpha closes. Standard retail is $149/mo annual or $199/mo monthly.
No credit card Read-only access We never move money Built by a CPA firm partner
Built by Bobby Huang, partner at SDO CPA. 18 years bookkeeping. Runs Growthy LLC and TracePrep on the same product you would pilot.