One bank account for your life and your side business? Your AI splits it into two clean sets of books.
Hand over the account where your household and your business live together, tell your AI which is which, and FinStat applies two charts of accounts at once — returning a clean household ledger and a clean business (Schedule C) ledger, both reconciled, in minutes.
One statement in. Every line routed to the right book.
SQ *SUNRISE STUDIO DEP 240514SAFEWAY #1123 6614 BOISE IDADOBE *CREATIVE CLOUD 888-652AUTOPAY ROCKY MTN POWERSTAPLES 00291 MERIDIAN IDAplPay THE LOST FORK 0417Two charts of accounts, one pass — your business (Schedule C) and your household books, both reconciled to the statement.
Two clean sets of books. Household and business, from one account.
Figures from a fictional household running a photography side business — every transaction tied to its real source document, both books reconciled and review-ready.
Pick your setup. Books in minutes.
FinStat needs an AI that can open files or folders on your computer — not just a connector in Settings. Seeing FinStat’s tools is not the same as FinStat being able to access the files you want it to.
Claude Code
verified on WindowsReads the folder you launch it in
claude mcp add --transport http finstat https://mcp.finstat.ai/mcp- Open Claude Code in the folder that holds your documents.
- Run the command above — it installs FinStat directly, no prompting needed.
- Sign in when the browser opens — your free 1M tokens load automatically.
- Ask it to run your books on the files in that folder.
You don’t need real statements or documents to learn FinStat. Say “Run FinStat Tutorial” or “Get Started” — your AI can make sample documents and walk you through all of it.
Working in a browser tab?
To run books, use a desktop AI that can reach your files. Browser chat alone isn’t enough for FinStat — even if FinStat appears under your connectors.
We only list setups we’ve run books on ourselves. Verified as of 2026-07-20.
- No API keys
- No credit card
- 1M tokens free
It really is that easy.
What is MCP?The parts that eat your evening. FinStat catches every one.
Your paycheck, your groceries, and your side-business income all run through one checking account — so nothing is really “the business's books.”
At tax time your accountant bills you by the hour to untangle personal from business — or you do it by hand in a spreadsheet.
QuickBooks and Xero want one entity per subscription, so keeping two sets of books means paying twice and re-entering everything.
Get the split wrong and you overpay tax — or claim deductions you can't defend in an audit.
FinStat applies two charts of accounts to the same pile at once. Every transaction is routed to the right book — household or business — reconciled at the statement layer, with the business side mapped to Schedule C categories. One upload, two clean sets of books, in minutes — not a tax-season untangle fee.
Three steps. Every one secure.
Connect once.
Paste the FinStat connector into your AI host (Claude, Cursor, etc.). Sign in — your free tokens load. No card. Then say: help me get started.
Hand over the documents.
Give your AI your statements, payouts, receipts, and bills — attach them, or on a setup that reads folders, point it at one: run my books on the files in this folder.
Ask for any report.
“Give me a P&L.” “Reconcile May.” “Show every uncategorized transaction.” Review-ready accounting output, in chat.
Built by the BadBank.ai team — the same people who have been turning financial PDFs into accounting data since 2024.