Yearly running cost Assuming 120 batches a year
By hand $4.2K / year 120 hours of work
Subscription $1.8K+ / year
This workflow $23 / year Machine usage only; setup, hosting and review are extra. What should it reconcile? Match bank transactions to ledger entries. Review the exceptions instead of comparing spreadsheets row by row.
One batch includes up to 1,000 bank transactions and 1,000 ledger entries.
Reconcile uploaded files Bank and ledger exports, with a review queue $864 – 2,640 setup Import from my accounting system Repeat reconciliations from approved data sources $1,440 – 4,320 setup
Which ledger should it read?Xero QuickBooks Online ERPNext Other Your accountant approves the reconciliation. No payments or automatic ledger changes.
What is included Map agreed exports, match exact and grouped payments, and return matched, unmatched and ambiguous groups with evidence.
Start with structured bank and ledger exports, agreed currency and date rules, and accountant-checked examples. The connected option adds read-only data imports; it does not post journal entries.
How reliable should the matching be? A high match rate is not enough. Choose how often suggestions must be right, how many true matches it finds and which exceptions it must flag.
Standard Reliable matches with ambiguous groups held for review. Correct suggested matches: ≥99% Known matches found: ≥95% Included Strict More match and exception tests across difficult statement periods. Correct suggested matches: ≥99.5% Known matches found: ≥98% Setup +$288 – 840 My own targets Agree your own acceptance requirements with the provider. Quote separately
How these standards are measured Test on held-out statement periods. Measure correct match groups separately from how many known matches are found. Duplicate, partial, wrong-currency and ambiguous matches must remain visible; missing output is a failure.
Targets for your selected standard What is checked Target Correct suggested matchesA group passes only when all linked records belong together and amounts, currencies and fees satisfy approved rules. ≥99% Known matches foundCorrectly found eligible groups divided by accountant-labelled true groups; abstentions stay in the denominator. ≥95% Exceptions caughtCorrectly flagged unmatched, duplicate or contradictory groups divided by all labelled exceptions. ≥95% Complete source linksResults must retain original bank and ledger record IDs, rule version and reproducible amount calculations. ≥100%
Use exact decimal arithmetic for money. An AI explanation is not evidence that a payment matches; confirm it against source records and approved rules.
How quickly do you need the reconciliation? Choose how quickly a batch should be ready for review. Your accountant's investigation time is separate.
Within 2 minutes Included Within 60 seconds Setup +$144 – 480 Within 30 seconds Setup +$288 – 840
Timing details Time from accepting complete input files to a stored reconciliation, including parsing, matching, queueing and retries. Confirm the batch size and hardware with your provider.
The target applies to at least 95% of agreed test runs, with 2 in progress at a time.
How much do you want to spend per batch? Choose the machine budget for matching records and explaining exceptions. Tighter budgets may use fewer AI checks.
Up to $7.00 Included Up to $4.00 Setup +$72 – 360 Up to $2.00 Setup +$216 – 600
Cost details Includes model calls, retries and shared hosting allocation. Human review, ledger subscriptions, bank feeds and the calling agent are separate. Failed and repeated runs also consume resources.
Reference machine cost: $2.19 – 6.19 per batch at 10 batches a month. The selected cap is a target to test, not a replacement for this estimate.
Where do you want it to run? Keep reconciliation in your cloud or on your own server. Choose whether selected transaction descriptions may go to an approved AI service.
Run it onYour cloud Local environment AI model accessApproved model API No external calls
Data and access details Runs in a cloud account you control, with access controls and logs.
Only approved source fields go to the selected external model. Agree access and retention first.
Use read-only imports and keep account identifiers masked where possible. No external calls uses files and private inference; it cannot use the connected import option.
How do you want to use it? Use a review page, your current AI agent or a dedicated reconciliation agent. You can choose more than one.
A review web page Upload bank and ledger files, review matches and export the reconciliation. Included My existing AI agent Ask your agent to submit records and retrieve matches and exceptions. Setup +$72 – 240 A dedicated agent Use a dedicated agent to run reconciliations and explain unmatched entries. Setup +$144 – 480