Books that close themselves.
Drop in statements, invoices, and receipts. xBav’s AI categorizes, reconciles, depreciates, and prepares tax — you review only the exceptions. Close the month in hours, not weeks.
Why Leading Firms Choose xBav.ai
Built for modern accounting firms that demand speed, accuracy, and automation.
AI-Powered Automation
Let AI handle categorization, reconciliation, and data entry. Review only exceptions.
Built-in Tax Engine
Depreciation, K-1s, tax adjustments—all calculated automatically, year-round.
Governed AI
AI drafts; you approve. Unsure picks go to review — the AI never invents an account, and every action is logged.
What happens when you start today
No migration project. No implementation call. Upload a statement and watch.
Upload
Drop in bank and card statements — PDFs are fine. AI extracts every transaction.
Categorized
The AI codes each transaction to your chart of accounts and queues anything uncertain for review.
Books current
Approve the exceptions, post in bulk, reconcile against statements. Your P&L is live.
Close the month
Run AI Close: it clears the mechanical work and hands you the judgment calls. Lock the period.
Everything between the bank feed and the closed period
Not a grab-bag of modules — one pipeline from raw statements to locked books.
AI categorization with a review queue
Whole statements coded in one batch run. Confident picks land ready to post; unsure ones wait for your eyes. The AI never invents an account.
Documents Pro: paper → journal entry
Loan statements, closing documents, and sales reports come back as balanced draft JEs — interest and principal already split.
AI month-end close
A closing checklist that finds what's unfinished, plus an AI run that categorizes, posts, and drafts accruals. Hard blockers can't be skipped.
Inter-entity transfer matching
Money moving between your companies is detected and booked as one balanced entry — not phantom income in both.
Bank reconciliation
Statement-vs-books matching per account, with reconciliation sessions that block a sloppy close.
Multi-entity, one login
Every LLC, property, and holding company in one subscription — 2 entities on Starter, 10 on Pro, unlimited on Business.
Tax insights & workpapers
The Pro tax engine reads your actual ledger and surfaces elections, depreciation, and workpapers year-round — not in April.
Client portal
Clients drop documents into their own portal; they show up in your queue, extracted and categorized.
Real-time financials
P&L, balance sheet, general ledger, and custom reports that update the moment entries post.
An honest comparison — including where they win
QuickBooks is great general-purpose business software. xBav.ai is AI-native bookkeeping built for multi-entity books. Here's the real difference.
| Capability | xBav.ai | QuickBooks Online |
|---|---|---|
Multi-entity in one subscription Run every LLC, property, and holding co under one login | 2–unlimited entities per plan | Separate paid subscription per company file |
AI transaction categorization How the machine does the coding work | LLM reads each description; batch-processes whole statements; learns your vendor rules | Rules + Intuit Assist suggestions |
AI guardrails you can audit What happens when the AI isn't sure | Unsure picks go to review — AI never invents an account; every action logged | Suggestions can be reviewed |
Document → journal entry extraction Loan statements, closing docs, sales reports become draft JEs | Documents Pro drafts the entry; you approve it | Receipt/bill capture; no draft JEs from complex docs |
AI-assisted month-end close Guided closing checklist with automated grunt work | Close checklist + AI close run: categorize, post, draft accruals — you approve | Books review tools for accountants; no AI close runs |
Inter-entity transfer matching Stop counting transfers between your companies as income | Detected and booked as one balanced entry | Manual across separate company files |
Built-in tax insights & workpapers | Pro plan: tax engine, insights, workpapers | Via ProConnect/accountant tools |
Client document portal | Clients upload; you see it categorized | Receipt forwarding, accountant access |
Invoicing & payments | Not our lane — we do the books | Excellent — invoicing is QuickBooks' core |
Payroll | Paid add-on | |
Inventory tracking | Plus plan and up |
QuickBooks Online plans and pricing as of July 2026 (Intuit published pricing). QuickBooks is a trademark of Intuit Inc. If you need invoicing, payroll, or inventory, QuickBooks is genuinely good at those — many customers run both.
Three companies on QuickBooks Plus: $345/mo.
Three entities on xBav Pro: $79/mo.
QuickBooks Online bills each company file as its own subscription — three businesses on the Plus plan is 3 × $115. One xBav Pro plan covers up to 10 entities, with transfers between them matched automatically.
Books people stopped dreading
Accounting firms, fractional CFOs, and multi-entity operators run their month on xBav.ai.
“The AI categorizes a whole statement in the time it took me to pour coffee. I review the exceptions, approve, done.”
“We ran three companies in three separate QuickBooks files. Now every entity lives in one login, one subscription.”
“Month-end used to be a weekend. The AI close run posts the mechanical work and hands me a short list of judgment calls.”
“Uploading a loan statement and getting a draft journal entry back — with the interest split done — still feels like a trick.”
“Nothing posts without my approval, and every AI action has an audit trail. That's the only reason my partners signed off.”
“The closing checklist caught an unreconciled account and a suspense balance I'd have found in March. It won't let you close sloppy books.”
“My food truck's books take 20 minutes a month now. Upload statements, approve the AI's picks, look at the P&L. That's it.”
“Client portal ended the shoebox era. Clients drop documents in, we see them the same day, categorized by the next morning.”
“It flags transfers between our entities automatically instead of double-counting them as income. QuickBooks never did that for us.”
“The tax insights surfaced a depreciation election we'd missed. That one screen paid for the year's subscription.”
saved per month on manual entry
Chen & Associates CPA
closed monthly by a two-person team
Reid Hospitality Group
of transactions auto-categorized for review
GrowthCo Inc
earlier month-end close, on average
Summit Accounting Group
The things people actually ask
How is this different from QuickBooks?
QuickBooks is broad small-business software — invoicing, payroll, inventory — with AI assistance layered on. xBav.ai is AI-native bookkeeping: the pipeline from bank statement to closed period is the product. Concretely: one subscription covers multiple entities (QuickBooks bills each company file separately), an LLM reads and codes your transactions with a review queue for anything uncertain, complex documents come back as draft journal entries, and month-end has an AI close run. If you need invoicing or payroll, QuickBooks is genuinely good at those — plenty of customers run both.
Will the AI post things to my books without me?
Transactions the AI codes with confidence go to your ledger the same way your own bulk-posts do — and everything else is draft-only. Adjusting entries land as drafts for your approval, uncertain categorizations wait in a review queue, and the close can't complete while hard blockers remain. Every AI action is logged and reviewable.
What happens when the AI isn't sure?
It says so. Low-confidence picks are flagged for review instead of posted, and if the right account doesn't exist in your chart, the AI proposes creating it rather than guessing — you approve the account before anything is coded to it.
How does the free trial work?
14 days, no credit card, full core product: entities, uploads, AI categorization, reconciliation, reports, and the closing workflow. Premium tax features (tax engine, insights, workpapers) and Documents Pro are on the paid Professional and Business plans. Your data stays yours — export any time.
Can my accountant use it with me?
Yes — plans include multiple users with roles, and there's a client portal for document collection. Many of our users are the accountants.