Your books are done before you open them

The hard part is knowing who you paid

Bank statements are a mess of processor prefixes, wallet wrappers, store numbers and truncated legal names. Getting from that string to a merchant, and from a merchant to the right line of your P&L, is the entire job. It is what we built.

• 1,700+ merchants mapped by hand. Not a model guessing at a name. A reference list our team curates, so the same vendor lands the same way every month.
• 65 categories, already set up. A chart of accounts built for small businesses, seeded the moment you sign up. There is nothing to design before you start.
• 21 software categories, by what a tool is for. Your subscriptions grouped by job, not by which line they bill to. The answer to 'why are we paying for nine marketing tools'.

Software that tells you when it is guessing

Every category carries a tier and the reason behind it. That is the difference between books you trust and books you re-check.

• High: Filed, no question asked. A known merchant matched cleanly. It goes straight to your books and you never see it.
• Medium: Filed, worth a glance. Based on real evidence about this exact transaction, but the kind that is occasionally wrong. It sits in your review queue.
• Low: Our best guess, clearly labeled. A general pattern rather than a match. We say so instead of dressing it up as certainty.

What Even Margin does

• Even Margin AI reads the statement for you. Bank descriptors are written for machines. Even Margin AI resolves the real merchant, picks from 65 business categories, and tells you which of the two it is less sure about.
• Disagree once, never again. Rules run in a priority order you control. One rule can rename a merchant, another can set its category, and both apply to the same charge without fighting over it.
• Confidence you can act on. Every category carries a tier and the reason behind it. High goes straight through. Everything below it lands in a review queue sorted by what costs the most to get wrong.
• One charge, several categories. A payroll debit that blends wages, taxes and fees can be split into parts that still reconcile to the single line your bank sent.
• Statements, not spreadsheets. Profit & Loss and Cash Flow, built from exact decimal arithmetic rather than floating point. Export either the moment your accountant asks.
• The same money, counted once. Moving money between your own accounts is neither income nor an expense. Even Margin finds the halves that have not been matched up and asks which arrival a departure paid for, so one movement stops reading as two.
• Duplicates caught before your reports. A card that posts twice, or a charge that arrives again through a second connection, is flagged with the reason it looks like a copy. You decide, before it reaches a statement your accountant reads.
• Hand it to your accountant, in place. Invite your accountant or bookkeeper and they open the same books you do, current to this morning. They see the confidence tier and the full history on every transaction, so most of what they would have emailed you about is already answered.
• Read-only, by design. Bank credentials go to Plaid and never to us, our access cannot move money, and every business's books live in their own isolated database schema.

How it works

• 01. Connect a bank. One login through Plaid brings in checking, savings and cards. Pick the accounts you want. We pull in as much history as your bank will give us, and tell you how far back each account actually reached.
• 02. Look at what is already done. Every transaction arrives named and categorized, with a confidence tier attached. Most of them need nothing from you.
• 03. Settle the handful that are unclear. The review queue groups them by merchant and leads with the largest, so a few keystrokes clear a month. Turn any correction into a standing rule as you go.
• 04. Hand it over whenever you need it. Invite your accountant or bookkeeper at quarter end, at tax time, or leave them there all year. They work in the same current books, and anything they change is in the history under their own name.