Yearly running cost Assuming 1,200 account reviews a year
By hand $16K / year 400 hours of work
Subscription $708+ / year
This workflow $39 / year Machine usage only; setup, hosting and review are extra. Which financial changes should it explain? Compare actuals with the previous period or budget, trace the biggest changes and draft a short explanation with evidence.
One account review includes up to 1,000 transaction rows and 20 supporting notes.
Explain uploaded reports Ledger, budget and approved context exports $1,008 – 2,880 setup Read my accounting system Repeat reviews from an approved ledger $1,584 – 4,560 setup
Which ledger should it read?Xero QuickBooks Online NetSuite Other Your finance team approves explanations. No automatic ledger changes, published financial statements or unsupported claims about business causes.
What is included Map accounts, compare periods, identify material transaction groups and draft explanations with evidence and unresolved questions.
Start with structured exports for a single entity and currency, agreed account mappings and materiality rules. Calculate totals before asking AI to explain them. The connected option reads your ledger; it does not edit it.
How well should each explanation be supported? Good explanations reconcile the numbers and show their evidence. They do not turn guesses about the business into facts.
Standard Trace the main changes and keep missing context visible. Supported factual claims: ≥98% Material drivers found: ≥95% Included Strict More evidence checks across difficult accounts and period changes. Supported factual claims: ≥99% Material drivers 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 account-periods. Check whether material drivers are found and whether each factual claim is supported by the linked evidence. Wrong totals, missing residuals and invented business causes fail; unanswered questions stay visible.
Targets for your selected standard What is checked Target Supported factual claimsSupported factual claims divided by all emitted factual claims, judged against source evidence. Empty explanations also fail the driver-coverage test. ≥98% Material drivers foundCorrectly identified material driver groups divided by all finance-labelled groups under the agreed threshold. Missing or deferred groups stay in the denominator. ≥95% Correct variance totalsAll issued reviews reproduce source-period totals and show a bridge from the comparison balance to the actual balance, including any unexplained residual. ≥100% Complete source linksEvery driver row retains original transaction IDs, period and mapping versions; every business-cause claim also links to approved context. ≥100%
Use deterministic decimal calculations for balances, signs and residuals. A transaction pattern is not proof of a business cause; ask for supporting context.
How quickly do you need the explanation? Choose how quickly an account review should be ready. Time spent confirming business reasons is separate.
Within 90 seconds Included Within 45 seconds Setup +$144 – 480 Within 20 seconds Setup +$288 – 840
Timing details Time from complete inputs to a stored explanation, including data validation, deterministic aggregation, queueing and retries. Agree the row and source-note limits 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 account review? Choose the machine budget for finding drivers, checking source notes and drafting the explanation.
Up to $0.80 Included Up to $0.50 Setup +$72 – 360 Up to $0.30 Setup +$216 – 600
Cost details Includes model calls, retries and shared hosting. Finance review, ledger subscriptions, source preparation and the calling agent are separate.
Reference machine cost: $0.23 – 0.63 per account review at 100 account reviews a month. The selected cap is a target to test, not a replacement for this estimate.
Where do you want it to run? Run in your cloud or on your own server. Choose whether approved financial extracts can go to an external AI model.
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.
Keep payroll and customer details masked where possible. No external calls uses file exports and private inference, without a live ledger connection.
How do you want to use it? Use a review web page, your existing AI agent or a dedicated finance-review agent.
A review web page Upload financial exports, inspect drivers and edit the explanation. Included My existing AI agent Ask your agent to submit a period and retrieve supported variance explanations. Setup +$72 – 240 A dedicated agent Use a dedicated agent to prepare variance reviews and ask for missing context. Setup +$144 – 480