Dashboard
Ledger
Invoices & Bills
Invoices — money owed to you
Payroll — from your provider
Funance does not run payroll and never files a return. Run it wherever you run it — Gusto, ADP, QuickBooks Payroll, your accountant — then record each period here so the books, the P&L, and the binder are complete.
POSTS THREE LINES: GROSS WAGES AND EMPLOYER TAXES TO PAYROLL, THE PROVIDER FEE TO FEES. OR DROP YOUR PROVIDER’S PERIOD REPORT (CSV) ON THE DROP TAB.
Bills — money you owe
MARK AN INVOICE PAID AND THE REVENUE POSTS ITSELF. MARK A BILL PAID AND THE EXPENSE POSTS ITSELF. NO DOUBLE ENTRY, NO SECOND SYSTEM.
Recurring — posts itself every month
Reports
Drop
Drop anything money-shaped.
A bank download (OFX/QFX/CSV). A statement PDF. A receipt photo. A screenshot of your bank app.
Funance reads it, routes every line to the right entity and category, and flags anything uncertain for review.
PROTOCOL — every line is tagged: SOURCE → ENTITY → CATEGORY → TAX TREATMENT. Inter-entity transfers classify as LOAN, DISTRIBUTION, or CONTRIBUTION and are excluded from P&L so nothing double-counts. Anything under 80% confidence lands in the REVIEW bin.
Monthly Pack
1 · Period
2 · Entities
3 · Documents
4 · Recipient (optional)
Preview
Portfolio
DEPOSITS INTO A BROKERAGE = TRANSFER · CONTRIBUTION. WITHDRAWALS = TRANSFER · DISTRIBUTION. DIVIDENDS AND INTEREST LOG AS OTHER INCOME IN THE LEDGER. PORTFOLIO VALUE FEEDS NET WORTH, NOT RUNWAY — RUNWAY STAYS ON OPERATING CASH.
Scenarios
Levers
Entities
Tax
Mileage log — the deduction founders forget
SET THE RATE FIELD TO THE CURRENT IRS STANDARD MILEAGE RATE — YOUR CPA TAKES IT FROM THERE (SCHEDULE C, LINE 9).
Estimated payments log
FUNANCE PRODUCES ESTIMATES AND WORKSHEETS FROM YOUR LEDGER AND THE RATES YOU SET. THESE ARE PREPARATION DOCUMENTS FOR YOUR CPA — NOT FILED FORMS, NOT TAX ADVICE. CONFIRM EVERYTHING WITH YOUR PROFESSIONALS.
The Desk
What do you need written?
WHAT GETS SENT: THE TOTALS AND LINES YOU TICKED ABOVE, TO ANTHROPIC, ON YOUR KEY. NOTHING IS STORED BY US — THERE IS NOWHERE FOR US TO STORE IT.
Draft
Connections
Your bank, without a middleman
No API, no aggregator, no credentials shared with anyone — including us. Your bank already offers a download; Funance reads all of them. Do this once a month and it takes about a minute.
Log into your bank → look for Download, Export, or Download transactions → choose Quicken (QFX) or Money (OFX). Drop the file on the Drop tab.
Richest format: dates, payees, amounts and a unique id per line — so re-importing the same month never duplicates anything. Needs no AI and no internet.
The same download menu, Comma delimited (CSV). Drop it in — columns are matched automatically however your bank labels them.
Works everywhere. No unique ids, so check the Review bin if you re-import an overlapping period.
The monthly statement your bank already emails you. Drop the PDF in and your own Claude reads every line off it.
Uses your Anthropic key. Handy for old months and for banks with poor exports.
Shopify admin → Finances → Payouts (or Analytics → Reports) → Export CSV. Drop it in — Funance recognises the payout format on sight.
Each row is split into the sale and the processing fee, so the fee lands in Fees as a deduction instead of disappearing inside the net. Refunds post negative. Works the same for in-person POS sales and online orders.
Your banking app on your phone, screenshotted. Drop it in.
For catching a few lines between statements without logging into anything.
WHERE IT LIVES: CHASE — ACCOUNT ACTIVITY → DOWNLOAD. BANK OF AMERICA — STATEMENTS & DOCUMENTS → DOWNLOAD. WELLS FARGO — ACCOUNT ACTIVITY → DOWNLOAD ACCOUNT ACTIVITY. CAPITAL ONE — VIEW STATEMENTS → EXPORT. MOST CREDIT UNIONS — LOOK FOR THE DOWNLOAD ARROW ABOVE THE TRANSACTION LIST.
SimpleFIN — optional automatic sync (third party)
Nothing above requires this. If you’d rather balances updated themselves, SimpleFIN is a paid third-party bridge — your bank credentials go to them, never to Funance.
CREATE AN ACCOUNT AT BRIDGE.SIMPLEFIN.ORG, CONNECT YOUR BANKS ($1.50/MO PAID BY YOU, UP TO 25 INSTITUTIONS), THEN PASTE THE ONE-TIME SETUP TOKEN BELOW. YOUR BANK CREDENTIALS NEVER TOUCH FUNANCE.
Engine — Anthropic
Slots
Settings
Entities
AN ENTITY IS ANY SET OF BOOKS YOU KEEP — A COMPANY, A DEPARTMENT, A PROGRAM, A GRANT, A CLASSROOM, A PROJECT, A HOUSEHOLD. TAX % IS THE BLENDED RATE YOU (OR YOUR CPA) SET, FEDERAL PLUS STATE — LEAVE IT AT 0 IF YOU DON’T OWE TAX ON THIS SET OF BOOKS.
Handoff — working with a bookkeeper or partner
There are no accounts, seats, or roles in Funance — that is what keeps your books off anyone’s server. Instead you hand someone a copy, they work in it, and you merge their file back in. You see exactly what changed before you accept it.
Vault
LOCAL-FIRST: YOUR BOOKS LIVE IN THIS BROWSER'S STORAGE FOR THIS FILE. EXPORT THE VAULT REGULARLY — THAT JSON IS YOUR BACKUP AND YOUR MOVING TRUCK.