Your bank and card transactions, coded for you every month
For small and mid-size SaaS owners who fall months behind on bookkeeping. Charmelo codes each transaction to the right account, remembers where every vendor goes, and asks you about the ones it isn’t sure of. Less tagging by hand, and less to pay an accounting person.
Months behind on the books, one transaction at a time.
Every month, bank and card transactions pile up, and someone has to tag each one to the right account. At a small SaaS business that someone is often the owner, and the work keeps slipping.
QuickBooks can suggest categories and run bank rules, but owners in the QuickBooks community keep posting that the suggestions are wrong or the rules get ignored. So they check every line anyway, or pay a bookkeeper, a Pilot or Bench style service, or someone to catch the books up.
Fall a few months behind, and catching up becomes a job of its own.
Your transactions get coded, and you answer the unsure ones.
Charmelo brings in your bank and card transactions, remembers where each vendor goes, and codes every line to its account. The ones it can’t place come to you, so your books stay current.
312 new transactions
Every bank and card transaction from the month, ready to code.
A month of transactions, and a short list for you.
Most lines are coded from vendor memory. The ones Charmelo isn’t sure about wait for you, each with the reason.
Transactions312
Coded from vendor memory297
Waiting for you15
| Transaction | Coded to | Why | Status |
|---|---|---|---|
| Google Workspace · $72.00 | Software subscriptions | Same vendor, same account as every month | Coded |
| AWS · $1,184.37 | Hosting and servers | Vendor memory | Coded |
| Customer payment · $8,420.00 | Sales income | Matches your past customer deposits | Coded |
| Delta Air Lines · $486.20 | Travel | Vendor memory | Coded |
| Transfer to J. Patel · $1,200.00 | Contractor or owner draw? | New payee with no history | Needs you |
| Amazon · $212.48 | Office supplies or equipment? | You’ve used this vendor for both | Needs you |
Vendor memory
Once a vendor is coded, the next charge from it goes to the same account.
Asks when unsure
A new payee, or a vendor you split across accounts, comes to you with the reason.
Books stay current
Each month’s transactions get coded, so the backlog doesn’t build up again.
How owners keep their books today, and where Charmelo fits.
QuickBooks rules still leave you checking every line. A bookkeeper or a Pilot or Bench style service does the work for a monthly fee. Charmelo codes the transactions and brings you the ones it isn’t sure about.
Stop tagging transactions by hand.
We’re opening early access to small and mid-size SaaS businesses that code their own transactions today, or pay someone to do it.
Who it’s for
- Small and mid-size SaaS businesses
- Bank and card transactions tagged by hand every month
- Paying a bookkeeper or a catch-up service, or doing it yourself
Common questions
It codes each of your bank and card transactions to the right account, using what it remembers about your vendors. When it isn’t sure about a transaction, it asks you instead of guessing.
Owners of small and mid-size SaaS businesses who tag transactions by hand every month, or who pay a bookkeeper or a service to do it.
Once a vendor has been coded to an account, new charges from that vendor go to the same account. A new vendor, or one you split across accounts, comes to you instead.
The uncertain ones: a payee it hasn’t seen before, a vendor you use for more than one account, or a charge that doesn’t match your history. Each one comes with the reason it’s asking.
No. It does the coding work, the part that owners in the QuickBooks community say the built-in rules and suggestions often get wrong or ignore.
Charmelo takes over the monthly tagging, the repeated part of the job, so you can spend less on it. Many businesses will still want an accountant for taxes and year-end work.
That’s the aim. The backlog gets coded the same way, and the transactions it isn’t sure about come to you in one list.
We haven’t set a price yet. Join the waitlist and you’ll hear it before you commit to anything.