Questions, answered.

Yes, everything is free during early access, with no card required. When billing launches, the Personal plan stays free, Business will be $19/month per organization (or $190/year), and the Firm plan for bookkeepers and multi-entity owners is $39/month for up to 5 organizations. Early-access users keep free Business features until then, and lock in the $19/month rate for life. Whatever rate you join at never goes up for you, ever.

Bank connections run through Plaid, the same provider used by Venmo and American Express. You sign in directly with your bank inside Plaid's secure widget. SmallBooks never sees your banking username or password. The access tokens Plaid gives us are encrypted with AES-256 before storage. See the Security page for the full picture.

Thousands of US banks and credit unions via Plaid. If your institution isn't covered, or you'd rather not connect, you can import CSV or PDF statements instead, and duplicates are caught automatically even across repeated imports.

Snap a photo or upload a PDF. AI extracts the vendor, date, tax, and total, then matches the receipt against your transactions, when exactly one transaction matches the amount and date, it attaches automatically; otherwise you pick from ranked suggestions.

Yes, invite them by email from the Team page and give them exactly the modules they need (for example, reports only). There's also a tax-year CSV export designed to hand straight to an accountant.

Yes. You can create multiple organizations under one login, each with its own accounts, categories, team, and reports, and switch between them from the sidebar.

Import CSV or PDF bank statements going back as far as you like. Re-importing overlapping statements never creates duplicates, and your categorization rules apply to imported history automatically.

No and no. Your financial data is never sold or shared with advertisers, and it is not used to train AI models. Document extraction runs on infrastructure that doesn't retain your data for training.

Export your reports any time, then delete your organization from Settings, that permanently removes transactions, documents, uploaded files, and disconnects bank feeds. Full account deletion is available via support.

Please do, the roadmap is genuinely shaped by requests. Use the feature request page; it takes thirty seconds.

As a transfer, not an expense. The purchases on the card were already categorized when they posted, so the monthly payment from checking just settles the balance. When both accounts are in SmallBooks, transfer detection pairs the two legs automatically and keeps them out of your profit and loss. If the card is not in your books yet, add it (bank feed or statement import) rather than categorizing the payment as a lump expense.

Use the equity categories: Owner's Investment for money you put in and Owner's Draw for money you take out. Neither is income or expense, so neither touches your profit and loss, and both appear on the balance sheet under equity. A draw is not a transfer; transfers are only between accounts inside the business.

Yes, the bank deposit is categorized as income (Sales or Service Income) and the payment is recorded against the invoice. SmallBooks does both in one step: open the deposit on the Transactions page, choose Match to invoice, and pick the invoice. There is no double count, because invoices never post to the profit and loss on their own; they only feed aging and receivables.