Everything the books need. Nothing you have to learn twice.
Charts covers the full accounting cycle, from raising an invoice to locking a period. If you have used QuickBooks, Xero or Sage, the vocabulary is the same. The difference is how much of it happens without you typing.
Getting money in
Everything to do with customers and what they owe you.
Invoicing
Create, send and track invoices with your own branding and payment terms.
Customers
One record per customer with their full history and outstanding balance.
Payments & credit notes
Record part payments, overpayments, refunds and credits against the right invoice.
Receivables ageing
Current, 1-30, 31-60, 61-90 and 90+ days, with days-sales-outstanding calculated.
Risk flags
Overdue invoices, repeat late payers and customers you depend on too heavily.
Recurring invoices
Set it once for retainer and subscription customers.
Getting money out
Suppliers, bills, expenses and everything you owe.
Bills & suppliers
Capture a bill from a photo or PDF and match it to the supplier automatically.
Expense capture
Photograph a receipt; Charts reads the date, amount, party and tax.
Duplicate detection
The same invoice entered twice gets caught before it is paid twice.
Payables ageing
What is due, what is late, and days-payable-outstanding.
Price-increase alerts
Charts notices when a supplier quietly raises their rates.
Payment scheduling
See what is due this week and what can wait.
The accounting engine
The deterministic core. This is what makes Charts accounting software rather than a categoriser.
Chart of accounts
Assets, liabilities, equity, revenue and expenses, with industry templates.
Double-entry journals
Every entry balances or it does not post. No exceptions, ever.
General ledger
Append-oriented, with corrections made by adjusting or reversing entries.
Trial balance
Validated continuously; reports will not finalise if the ledger does not balance.
Accounting periods
Open, close and lock periods so history cannot drift.
Multi-currency
Transaction currency, exchange rate and the date it applied, on every entry.
Reconciliation
Matching what your records say against what actually happened.
Bank & mobile money
Import statements or forward payment alerts. Both become matchable lines.
Automatic matching
On amount, date, counterparty, reference, invoice number and past behaviour.
Six clear states
Matched, suggested, unmatched, duplicate, needs review, reconciled.
Exception explanations
When a line will not match, Charts says why rather than just flagging it.
Bulk actions
Accept every high-confidence match in a batch, then work the exceptions.
CSV, Excel & PDF
You do not need a bank API to reconcile properly.
Reports & tax
The output, always current and always traceable to the ledger.
Profit & loss
Revenue, cost of sales, gross profit, operating profit and net profit.
Balance sheet
Assets equal liabilities plus equity, checked every time it renders.
Cash flow
Operating, investing and financing activities, properly separated.
VAT & tax records
Output VAT less recoverable input VAT, with the documents behind it.
Variance explanations
Ask why a line moved and get an answer citing the transactions.
Export
PDF and Excel for anyone who needs it in their own format.
Controls & people
Who can do what, and proof of what was done.
Review queue
Everything Charts wants to do that still needs a human decision.
Approval rules
By amount, account, transaction type or confidence score.
Roles & permissions
Owner, accountant, bookkeeper, finance manager, payroll manager, employee.
Audit trail
Actor, timestamp, model, proposal, edit, approval, posting and reversal.
Anomaly detection
Duplicate payments, unusual amounts, missing invoice numbers, odd suppliers.
Multi-entity
Several companies or branches, with consolidated reporting.
All of it sits on one ledger. Which is why the numbers agree with each other.
See it against your own books. Import a month of real transactions and judge it on those.
No card required · Import your existing books · Cancel any time