For bookkeepers at the 15-25 client ceiling

Twice the clients. Half the clicking.

Growthy categorizes QuickBooks and Xero transactions automatically. 85% accurate on first import, 90%+ on returning clients. No bank rules to write. Review what's unsure. Approve the rest.

Join the alphaSee the review queue
Works with QuickBooks OnlineWorks with Xero85% accurate on first importFree during alpha
Review queue · Acme Bakery LLC · Apr 2026
Apr 14UBER EATS→ Meals & Entertainment−$84.2298%⏎
Apr 14SHOPIFY DEP-Q3K9→ Sales income · split fee+$1,847.2096%⏎
Apr 13SQ *FLOUR POWER WHO→ Cost of Goods? · vendor unseen−$612.0064%F
Apr 13USPS PO 7541270→ Shipping−$28.9599%⏎
Apr 13STATE FARM CO 1422→ Tell me what this is−$1,228.0022%↳
Apr 12ADOBE *CRTV CLOUD→ Software · Subscriptions−$54.9999%⏎
⏎approveFflag↳recat
Definition

What is AI bookkeeping?

AI bookkeeping is software that categorizes transactions by learning a client's vendors, amounts, and patterns, then flagging the ones it's unsure about so a bookkeeper can review and approve. Growthy reaches 85% accuracy on first import and 90%+ on returning clients with no bank rules to maintain. Built for bookkeepers managing 5-25 QuickBooks or Xero clients.

Key takeaways

Six things that matter, in plain English.

Specific numbers, no hype. Every claim either has a number behind it or names what the alternative breaks.

  1. 01

    Pattern learning, not bank rules

    Growthy memorizes vendor + amount + memo patterns per client. Move a transaction once. The next one books itself.

  2. 02

    Confidence scores triage your queue

    247 transactions in. 13 flagged for review. The other 234 sit at 90%+ confidence and post on approval.

  3. 03

    Works with QBO and Xero on day one

    Pull the data. Push approved categorizations back. No migration. Nothing to break.

  4. 04

    Standalone GL when you outgrow QBO/Xero

    Same pattern engine. No GL fees. Decide later. Same login, same workflow either way.

  5. 05

    Free during alpha · 5 companies per account

    $99/mo lock-in for early adopters. Standard retail $149/mo annual or $199/mo monthly when alpha closes.

  6. 06

    For bookkeepers, not founders

    The whole product is a review-and-approveworkflow. Not "AI does your books for you."

A morning at the desk

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.

01 · overnight
247tx pulled

Imported & sorted

Pulled from QBO while you slept. Sorted by client. Sorted by confidence. Already categorized.

02 · triage (the meaty part)
234 / 13auto / review

Triaged, not bulk-reviewed

234 sit at 90%+ confidence and post on 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.

03 · approve
<10 minper client

Approve and move on

Hit ⏎ to approve. F to flag. Arrow to recategorize. Pattern updates per keystroke. Next batch is sharper.

Pattern learning vs bank rules

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.

Bank rulesthe old way
You write each rule by hand
Vendor changes its merchant name. Rule breaks. Silently miscategorizes until you notice.
450 rules = 15 clients × 30 each
Linear growth in rule maintenance per added client. The 26th client costs as much time as the 1st.
Conflicts are silent
When two rules disagree, one wins. You find out at month-end review, sometimes later.
Pattern learningGrowthy way
Correct once, learn forever
Move a transaction. Growthy memorizes vendor + amount + memo. Next one books itself.
One pattern set per client
Add clients without adding rule maintenance. 25 clients = 25 pattern sets, each maintained by approval keystrokes.
Conflicts force a flag
Pattern disagreement triggers a yellow flag, surfaced in your queue before it ships to the GL.
What does this save you?

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.

Two ways to use Growthy

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.

Recommended start
Today

Workflow layer over QBO/Xero

Connect QBO or Xero. 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 or Xero
  • →Read transactions, push categorizations back
  • →Migration risk: zero
Start with workflow mode
Optional
When ready

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
Plan a migration
How Growthy compares

Not Pilot. Not Digits. Not QBO's bank rules.

Most "AI bookkeeping" either replaces you or makes you migrate. Growthy makes you faster on the books you already keep.

GrowthyQBO Bank RulesDigitsPilot / Bench
Categorization accuracy85% → 90%+~3%VariesHuman-graded
Migration requiredNoNoYes (QBO → Digits)Yes (their stack)
Bookkeeper stays in the loopYes (you approve)Rules-onlyLimitedNo (they replace you)
Rule maintenance burdenZero (pattern learning)~30 rules / clientN/A (full migration)N/A (full outsource)
Pricing model$99-$199/mo · per bookkeeperQBO includedPer-client SaaS$600-$1K/mo per client
Multi-client portfolio supportUp to 5 (alpha) · 15-25+ post-alphaOne-by-oneSingle-clientSingle-client
FAQ

Frequently asked questions

Does Growthy work with QuickBooks Online?+
Yes. Both modes. Workflow mode reads from QBO and pushes approved categorizations back. Standalone mode replaces QBO as your system of record. You keep the choice.
How is pattern learning different from QuickBooks bank rules?+
Bank rules are explicit. You write each one. Pattern learning is implicit. You correct one transaction, and Growthy learns the rule from your behavior. There’s nothing to maintain.
What about clients in unusual industries: real estate, restaurants, agencies?+
Each client has its own pattern set. What Growthy learns about a restaurant client never affects a real estate client. The model adapts to whatever you teach it.
What's the accuracy in month one?+
85% on first import. It climbs to 90%+ on returning clients as you approve and correct. The delta is real and shows up in the confidence score on each transaction.
Can I run it without my client knowing?+
Yes. Connection to QBO is read-only by default. There’s no client-facing UI. Your client sees the same QBO they always saw.
What happens after alpha closes?+
Alpha users lock in $99/mo for two years. Standard retail is $149/mo annual or $199/mo monthly.

Stop writing bank rules.
Start building capacity.

Free during alpha, up to 5 client companies per account. Lock in $99/mo when we start charging. Standard retail is $149/mo annual or $199/mo monthly.

Claim a spot
Free during alpha $99/mo lock-in Up to 5 client companies

Built by Bobby Huang, partner at SDO CPA. 18 years bookkeeping. Still reconciling real client books.