Accounting & Tax — Starter Package

Starter includes, every month

• AI-assisted transaction categorisation: every bank transaction categorised (sales, stock, wages, rent, fuel, insurance, bank charges and more)
• Trading income and expense breakdown by category
• Cashflow: opening balance, net movement, closing balance – tied to your statement fully reconciled
• Unexplained deposits quarantined and flagged for your confirmation – never silently counted as sales
• Financial Health Score out of 100 with the scoring rules printed on your report
• Upload reminder on the 1st of every month; 3-minute upload, CSV or PDF, any South African bank

Who the Starter package is for

Starter is the entry tier for a South African small business that currently has no monthly numbers at all – the owner who knows roughly what is in the bank account but cannot say what the business actually earned, what it spent it on, or whether last month was better than the one before.

It is built for a single bank account and a straightforward trading business: a contractor, a retailer, a service provider, a small consultancy. If you need a VAT position estimate and month-on-month trends, step up to the Growth package. If you are bidding for tenders or need risk flags, look at the Premium package.

How the monthly cycle works

1. Upload – on the 1st you get a reminder. Send last month’s bank statement as a PDF or CSV. There is no bank login to hand over and no accounting software to install.
2. Reconcile – your statement is checked against its own printed closing balance before anything is reported. If the variance is more than R0.05, the run stops and is reviewed rather than published.
3. Classify – transactions are matched against South African merchant patterns first, then against categories you have already confirmed in earlier months. Anything the engine cannot place with confidence is quarantined and shown to you, not guessed.
4. Report – you receive a PDF pack with your income and expense breakdown, cashflow position and Health Score, usually within a day of upload.

Every financial figure in your report is calculated by deterministic accounting engines. AI is used only to explain the results in plain language – never to produce the numbers themselves.

Banks and what happens at year-end

Statement layouts differ between South African banks, so check the supported banks page before you subscribe. Twelve months of Starter reporting can also feed the AFS-Ready Pack at year-end, which assembles the income statement, balance sheet, equity movement, cash flow and fixed asset register for your practitioner to work from.

Common questions

Do you submit my VAT or income tax returns? No. Starter is management reporting only. Statutory submissions stay with your registered tax practitioner.

Do I have to leave my current record-keeping? No. Starter is designed to give you monthly visibility between their engagements, not to replace them.

What if I have more than one bank account? Tell us before you subscribe – multiple accounts change how the reconciliation is set up.

Can I upgrade later? Yes. Compare all three tiers on the pricing page or read the full overview on the accounting and tax page.

What does it cost? R1,200 per month, billed monthly, cancel any time.

This is a management reporting service, not an audit, review, or tax submission service. Statutory filings remain with your registered practitioner.