Built for your business
Whether you run a restaurant, construction company, medical practice, or online store — get a chart of accounts designed for how your business actually works.
For business owners
Stop wasting time on accounting chaos
Get a clearer chart of accounts without hiring expensive consultants or spending weekends fixing your books.
- ~2 min
- Typical optimization time
- 32
- Automated quality checks
- 7
- Industry templates
- ✗Can't tell if you're actually making money
- ✗Spending 10+ hours/month on bookkeeping
- ✗Getting confused financial reports out of your accounting system
- ✗Can't get funding because books are messy
- ✗Paying accountant to clean up at year-end
- AI optimization (usually about 2 minutes) can help reduce weeks of manual work
- Helps create clearer P&L and balance sheet reports
- Designed to reduce year-end accounting cleanup costs
- Helps prepare more organized financials for fundraising discussions
- Reclaim hours spent on manual account cleanup each month
For accountants & finance professionals
Standardize each client's chart in minutes
Stop manually fixing every client's chart of accounts. Deliver professional accounting structures in minutes, not hours.
- 7
- Step optimization
- Upload
- your QuickBooks chart as CSV or Excel
- CSV
- Export to any tool
- ✗Spending 5-10 hours per client fixing their chart
- ✗Every client has different (broken) account structures
- ✗Tax season bottleneck from messy client books
- ✗Can't scale your practice efficiently
- ✗Clients resist paying for 'cleanup' work
- Account numbering and types follow standard ranges you can review
- Helps standardize client charts with streamlined workflow
- Streamline client onboarding with chart optimization in about 2 minutes
- Scale your practice by standardizing client books faster
- Reduce back-and-forth on chart structure questions
For CFOs & finance teams
Draft a cleaner chart of accounts in minutes
Get a proposed structure for a messy inherited chart, one your management and board reports can be built on.
- 16
- Account number ranges
- AI
- Powered analysis
- AES-256
- Encryption at rest
- ✗Inherited a mess from previous bookkeeper
- ✗Can't produce reliable management reports
- ✗Board meetings delayed waiting for financials
- ✗Investors questioning data quality during due diligence
- ✗Chart structure doesn't support KPI or departmental reporting
- Helps create organized chart structure for professional review (usually about 2 minutes)
- The AI reads the reporting priorities in your company profile when it proposes groupings
- A staged account roadmap for the accounts you will need as the business grows
- Never writes to QuickBooks
- Hosted on Vercel, with data stored in Supabase and payments handled by Stripe
- Helps streamline preparation for due diligence review
See it on a demo chart first.
Whichever seat you sit in, start on sample data — no card, and nothing changes until you approve it. 7 industry templates included.
Tailored for your industry
Every industry has unique accounting needs. Our AI and 7 industry templates are designed to give you the exact account structure your business requires.
Construction & Contractors
Separate WIP, retainage, job cost, and subcontractor categories
Common problems
- ✗Can't produce a WIP schedule for your bonding company
- ✗Job costing reports don't match reality
- ✗Retainage accounts are hard to keep organized
What you get
- WIP-ready accounts (Work in Progress, Billings in Excess)
- Retainage receivable and payable accounts
- Subcontractor, materials, and labor cost separation by job
- Performance bond and insurance categories
Your workflow: After optimization → produce WIP schedules for bonding, run job cost reports by trade, review retainage aging
Restaurants & Food Service
Structure food cost and labor accounts for cleaner reports
Common problems
- ✗Food cost categories are too messy to review confidently
- ✗Tip handling is hard to track
- ✗DoorDash and Uber Eats fees are buried in expenses
What you get
- COGS split by food, beverage, and disposables
- Tip pooling, tip payable, and credit card tip fee accounts
- Delivery platform fee accounts by service
- FOH vs BOH labor separation
Your workflow: After optimization → run food cost reports by category, compare delivery platform fee categories, review labor ratios by FOH/BOH
Healthcare & Medical Practices
Separate insurance AR, payor, and provider revenue categories
Common problems
- ✗Insurance payments lumped into one revenue bucket
- ✗Can't see profitability by provider
- ✗Contractual adjustments aren't tracked properly
What you get
- Revenue separated by payor (Medicare, Medicaid, Private, Self-Pay)
- Insurance receivables by type with aging support
- Contractual adjustments as revenue contra accounts
- Telehealth and capitation revenue categories
Your workflow: After optimization → run AR aging by insurance payor, review revenue by provider category, reconcile ERA deposits to the right accounts
Your chart holds account names and structures. Keep patient records, diagnoses, and billing details out of account names and descriptions.
E-Commerce & DTC Brands
Separate channel revenue, fee, shipping, and return categories
Common problems
- ✗Sales channel revenue and fee categories are hard to compare
- ✗Amazon FBA fees, Shopify fees, and shipping costs are all mixed together
- ✗COGS doesn't reflect per-product reality
What you get
- Revenue separated by channel (Shopify, Amazon, Wholesale)
- Marketplace fee accounts by platform
- Per-channel shipping and fulfillment costs
- Returns and chargeback accounts by source
Your workflow: After optimization → run P&L by channel, compare marketplace fee categories, review per-channel return accounts
Law Firms
Separate client trust, retainer liability, and case cost accounts
Common problems
- ✗IOLTA trust accounting is easy to get wrong
- ✗Can't see profitability by practice area
- ✗Client cost advances aren't tracked separately
What you get
- IOLTA trust accounts with proper liability structure
- Practice area revenue and expense separation
- Client cost advance accounts as assets
- Retainer revenue with proper earned/unearned split
Your workflow: After optimization → reconcile trust accounts with confidence, run practice area P&L, review client cost advance recovery
This is not legal advice. Check your state bar's trust accounting rules before you rely on any chart for client funds.
Nonprofits
Separate grant, contribution, and functional expense categories
Common problems
- ✗Form 990 prep takes weeks every year
- ✗Can't tell restricted from unrestricted funds easily
- ✗Functional expense allocation is manual guesswork
What you get
- Net assets with and without donor restrictions (ASC 958)
- Functional expense categories (Program, M&G, Fundraising)
- Grant and contribution revenue categories by source
- Form 990-aligned account structure
Your workflow: After optimization → categorize expenses for Program/M&G/Fundraising for Form 990 Part IX, compare grant accounts against budgets, report to donors and board
Check your reporting requirements, such as Form 990, with your accountant. See our complete nonprofit COA guide.
IT & Managed Service Providers
Separate MRR, project, and deferred revenue categories
Common problems
- ✗MRR and project revenue are mixed together
- ✗Can't show clean books for acquisition due diligence
- ✗Deferred revenue from annual contracts isn't tracked
What you get
- MRR vs project/break-fix revenue separation
- Deferred revenue for prepaid contracts
- Hardware resale COGS categories
- Technician labor as direct cost vs overhead
Your workflow: After optimization → show buyers clean MRR vs project revenue, demonstrate gross margins by service line, present deferred revenue properly
Landscaping & Service Businesses
Separate service-line revenue and cost categories
Common problems
- ✗All revenue looks the same — can't tell mowing from hardscaping
- ✗Equipment costs and crew labor are lumped together
- ✗Seasonal service categories are hard to compare in reports
What you get
- Revenue by service type (maintenance, installation, design)
- Crew labor and subcontractor cost separation
- Vehicle and equipment expense categories
- Materials cost by job type
Your workflow: After optimization → compare service-type margins, review crew labor categories, plan around seasonal account patterns
See the difference
Here's what a messy chart of accounts looks like before and after AI optimization — with real account names from each industry.
Restaurant
Before — Messy
After — Optimized
Construction
Before — Messy
After — Optimized
E-Commerce
Before — Messy
After — Optimized
How much time could you get back?
Move the sliders for an illustrative sense of the hours cleaner books could free up. It’s a rough number to think with — not a quote.
A rough sense of the time you’d get back
Two inputs, one rough number. ChartOfAccounts.ai organizes your chart so cleanup is faster — actual time saved depends on your books.
Adjust the sliders and click Calculate
to see your personalized savings
Methodology
Calculations use a conservative 35% estimate for time saved on chart-of-accounts-related accounting work (classification, cleanup, report preparation). Platform cost assumes $8/month subscription plus approximately $2/month in typical credit usage. Individual results will vary based on chart complexity, industry, and existing processes. This calculator estimates potential savings — not a guarantee.
Important disclaimer
This calculator provides estimates for planning purposes only. ChartOfAccounts.ai is a financial organization tool that does not provide legal, tax, or accounting advice. All optimized charts should be reviewed by a qualified accounting professional to confirm they meet the regulations and standards that apply to your business. We assist in organizing your financial data. Final decisions about those rules require professional oversight.
Get started
Ready to transform your financial organization?
Try the full optimization workflow on a demo chart of accounts. No credit card required. No commitment.