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New Business plan: invoicing pro, bills & two-way sync

Your P&L, shipped automatically.

Connect your bank accounts, cards, QuickBooks and Xero. PnlShip categorizes every transaction with AI and keeps a live profit & loss — so you always know if you’re actually making money.

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14-day free trial · Cancel anytime · Web, iOS & Android

Connects with the tools your money already runs through

  • PlaidUS & Canada banks + cards
  • GoCardlessUK & EU open banking
  • QuickBooksInvoices & two-way sync
  • XeroInvoices & two-way sync
  • StripeGet paid online

How it works

From bank feed to P&L in three steps

Set it up once. After that, new transactions sync on their own and your numbers stay current.

  1. 01

    Connect

    Link your business bank accounts and credit cards through Plaid or GoCardless in a couple of minutes. Read-only, encrypted, no spreadsheets.

  2. 02

    Auto-categorize

    Every transaction is sorted by your rules, merchant memory and AI. Transfers and card payments are excluded so nothing is counted twice.

  3. 03

    Ship your P&L

    A live profit & loss, spend by category and plain-English insights — always current, on the web and on your phone.

Features

Everything between your bank and your bottom line

One workspace for the money side of your business — without the bookkeeping homework.

Banks & cards, synced

Unlimited accounts via Plaid and GoCardless. Balances, credit-card limits and utilization, refreshed automatically.

AI categorization

Rules, merchant memory and AI sort every transaction. A review queue catches the unsure ones; your choices always win.

Live P&L dashboard

Money in, money out and net profit with previous-period deltas, spend over time and spend by category.

Insights that matter

Recurring charges and subscriptions, duplicate payments, fees and category jumps — explained in plain English.

Invoicing & customers

Create and email invoices with a hosted invoice page, track sent → viewed → paid, and keep a customers directory with open balances.

PnlShip Agent

Ask your AI assistant anything about your money — “what did we spend on contractors last quarter?” — and get answers from your real numbers.

Budgets

Set budgets by category and get alerted before you overspend, not after the month closes.

Receipts & documents

Attach receipts to transactions, and keep the documents your accountant shares in one place.

Bring your accountant

Invite your CPA or bookkeeper with exactly the permissions you choose. See what they accessed; revoke anytime.

Who it’s for

Built for people who’d rather be doing the work

If you run a business but don’t run a finance team, PnlShip is your finance team’s dashboard.

Freelancers & consultants

  • Know your real monthly profit, not just your balance
  • Invoice clients and see when they view and pay
  • Hand your accountant clean, categorized numbers

Agencies & studios

  • Track contractor and software spend by category
  • Spot overlapping subscriptions before renewal
  • Give teammates access with granular permissions

Small businesses

  • All your banks and cards in one live P&L
  • Bills, vendors and 1099 tracking on Business
  • Two-way QuickBooks Online & Xero sync

See it in action

See PnlShip in action

Watch how PnlShip turns raw bank feeds into a live profit & loss — connect, categorize, done.

Pricing

Simple plans. No per-account fees.

Start on Starter and move up to Business when you need invoicing pro, bills and reports.

Starter

Everything a freelancer needs to know where the money went.

$29.99/month

Billed monthly · cancel anytime

Start 14-day free trial
  • Unlimited bank & card connections
  • AI auto-categorization with one-tap review
  • Live P&L and spend dashboard
  • Insights: recurring charges, fees, duplicates
  • Budgets with alerts
  • Invoicing, hosted invoice pages & customers
  • QuickBooks & Xero invoice import
  • PnlShip Agent — 1,000 AI credits / month
  • Invite your accountant and teammates

Business

Most complete

For businesses that bill clients, pay vendors and close the books.

$49.99/month

Billed monthly · cancel anytime

Start 14-day free trial
  • Everything in Starter, plus:
  • Invoicing Pro — PDFs, recurring invoices, reminders, credit notes
  • Online invoice payments through your own Stripe account
  • Bills & vendors with AP aging, W-9s and 1099 tracking
  • Receipt capture with AI extraction & matching
  • Reports — P&L, cash flow, balance & tax-line summaries
  • Two-way QuickBooks Online & Xero sync
  • Period lock to close your books
  • 3× the AI credits — 3,000 / month

14-day free trial on both plans · Prices in USD · Cancel anytime. Accountant? Your firm can cover clients on Business with a CPA license pack.

FAQ

Questions, answered

Who is PnlShip for?
Freelancers, consultants, agencies and small businesses who want to know whether they’re making money without keeping a spreadsheet or learning accounting software.
Which banks and cards can I connect?
Banks and credit cards in the US and Canada connect through Plaid; UK and EU accounts connect through GoCardless open banking. You can connect as many accounts as you need on every plan.
How does the AI categorization work?
Your own rules run first, then merchant memory (what you’ve chosen before), then AI for the rest. Anything it isn’t confident about lands in your review queue, and your choices always win — one tap can turn a fix into an “always categorize this merchant” rule.
Is my financial data safe?
Bank access is read-only through Plaid or GoCardless — PnlShip can’t move money. Provider tokens are encrypted at rest (AES-256-GCM), sign-in codes and sessions are stored hashed, and every sensitive action is written to an audit log.
Can my accountant use it too?
Yes. Invite your accountant or bookkeeper with exactly the permissions you choose, see what they accessed, and revoke access any time. Accounting firms get their own portal — see PnlShip for accountants.
Do you replace QuickBooks or Xero?
You don’t have to choose. Starter pulls invoices in from QuickBooks Online and Xero; Business adds a two-way sync — chart of accounts, categorized bank transactions, bills and vendors.
Is there a free trial?
Yes — every plan starts with a 14-day free trial, and you can cancel anytime.
Is this tax advice?
No. PnlShip organizes your numbers so you (and your accountant) can make decisions faster. Reports are a starting point for a licensed professional, not a substitute for one.

Stop guessing. Start shipping your P&L.

Connect your first account in minutes and see where your money really goes.

Start free trial Compare plans

14-day free trial · Cancel anytime