Twice the clients. Half the clicking.
AI bookkeeping with an audit trail. Built by bookkeepers.
Every tool says "AI bookkeeping." Growthy is the one that built the workflow around it: the QBO sync holds, the triage asks before it posts, and every change lands in an audit trail.
What is AI bookkeeping with an audit trail?
Software that categorizes bank transactions automatically and records who, what, when, and why for every change, so the work survives review. Growthy handles the routine 80%, flags the rest with confidence scores, and saves every decision, including who confirmed it and against what prior pattern. The payoff is capacity: illustratively, that can mean taking on 30 clients instead of 22 without losing the audit trail.
Five things that matter, in plain English.
Specific numbers. Clear limits. You stay in control.
- 01
Categorizes the routine 80% automatically. Bank-feed transactions auto-coded against per-client pattern memory, 85% accurate on first import.
- 02
Confidence scoring flags the 20% that needs judgment. Green/yellow/red triage, sorted by confidence so you review roughly 13 of 247 at the default confidence setting, not all 247.
- 03
Every change is saved: who, when, against what prior decision, and why. Audit-ready by default for client reviews, lender requests, and year-end accountants.
- 04
Talks directly to QuickBooks Online with two-way sync, plus CSV import for everything else. No parallel ledger. Stripe net-vs-gross handled correctly.
- 05
Built by a partner at a CPA firm running real client books. 18 years of bookkeeping, dogfooded daily, not a VC-funded team chasing a market.
247 transactions came in overnight. You'll touch 13 of them.
This is the workflow, end to end. Three stages. No bulk-clicking. Done before the second coffee.
Imported & sorted
Pulled from QBO while you slept. Sorted by client. Sorted by confidence. Already categorized.
Triaged, not bulk-reviewed
234 are categorized and ready for approval. They never enter your eyeline. 13 are flagged for review. Yellow= "check it." Red= "tell me what this is." Triage budget for a 15-client portfolio: about 35 minutes.
Approve and move on
Hit ⏎ to approve. F to flag. Arrow to recategorize. Pattern updates per keystroke. Next batch is sharper.
450 rules to maintain. Or one pattern set.
Bank rules look fine at 5 clients. At 15-25 they become the bottleneck. Here's the unromantic side-by-side.
Run the numbers on your own portfolio.
Illustrative example, one bookkeeper running 15 active QBO clients.
- Active clients
- 15
- Transactions per client per month
- 220
- Manual time per transaction
- 14 sec
- Time saved per transaction with Growthy
- 11 sec
- Billable rate per hour
- $85
- Hours back per month
- 10.1 hrs
- New client capacity at the same hours worked
- +6 clients
- Recovered billable revenue per month (15 clients at $85 per hr)
- $858
Numbers are illustrative. Real savings depend on transaction volume, vendor diversity, and existing rule complexity. Lower client counts (under 5) see smaller absolute savings.
Pick the mode that fits today.
Switch later if it makes sense.
Same pattern engine, same review queue, same approval keystrokes. The difference is who keeps the system of record.
Workflow layer over QBO
Connect QBO. Growthy reads transactions, categorizes them, pushes approved entries back. Your client's GL stays where it is. You stop writing bank rules.
- →No migration required
- →Client GL stays on QBO
- →Read transactions, push categorizations back
- →Migration risk: zero
Standalone GL
Same pattern engine. Native double-entry. No QBO or Xero subscription required. Migrate one client at a time when it makes sense.
- →Native double-entry GL
- →No QBO or Xero subscription needed
- →Migrate one client at a time
- →You keep control of the call
Not Pilot. Not Digits. Not QBO's bank rules.
Most bookkeeping automation either replaces you or makes you migrate. Growthy makes you faster on the books you already keep.
| Growthy | QBO Bank Rules | Digits | Pilot / Bench | |
|---|---|---|---|---|
| Categorization accuracy | 85% accurate on first import | ~50% | Varies | Human-graded |
| Migration required | No | No | Yes (QBO → Digits) | Yes (their stack) |
| Bookkeeper stays in the loop | Yes (you approve) | Rules-only | Limited | No (they replace you) |
| Rule maintenance burden | Zero (pattern learning) | ~30 rules / client | N/A (full migration) | N/A (full outsource) |
| Pricing model | Formula-based Founding pricing | QBO included | Per-client SaaS | $600-$1K/mo per client |
| Multi-client portfolio support | Multi-client portfolio | One-by-one | Single-client | Single-client |
Frequently asked questions
Does Growthy work with QuickBooks Online?+
How is pattern learning different from QuickBooks bank rules?+
What about clients in unusual industries: real estate, restaurants, agencies?+
What's the accuracy in month one?+
Can I run it without my client knowing?+
How does founding pricing work?+
Stop writing bank rules.
Start building capacity.
Founding pricing: Solo is $39/month for 1 company, plus $35/month for companies 2–4. Practice is $149/month for 5 companies, plus $29/month for companies 6–24.
Get startedBuilt by Bobby Huang, partner at SDO CPA. 18 years of hands-on bookkeeping. Runs his own companies' books on the same product you would pilot.
Growthy is bookkeeping software, not a CPA firm. This content is educational, not professional advice.