AI bookkeeping that actually closes the books
Every transaction coded, receipted, and GST-extracted the moment it happens. Synced to Xero, MYOB, or QuickBooks without a keystroke. Accuracy that improves every month.
Australia's favourite.
99% of businesses stick with Budgetly.
Stop paying for manual coding, receipt chasing, and month-end reconstruction.
Your finance team spends a week every month reconstructing what already happened. The data exists, it just isn't in the right place yet. AI bookkeeping changes that. Every transaction is recorded as financial truth at the moment of execution, not reassembled later from statements and receipts.
The old way
- Receipts chased weeks after the transaction happened
- Transactions manually coded one-by-one in a spreadsheet
- Wrong categorisations discovered at month-end or later
- GST left unclaimed because receipts went missing
- Month-end close takes 3-5 days of manual reconstruction
- Bookkeeper costs grow linearly with transaction volume
With Budgetly
- Every transaction coded automatically at the moment of execution
- Receipts captured at point of sale, matched instantly
- GST extracted and categorised with 95%+ accuracy
- Transactions sync to accounting software already reconciled
- Month-end close in hours, not days
- Accuracy improves with every correction
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
How AI bookkeeping works at Budgetly
Every transaction coded by AI. Instantly. Accurately.
The moment a transaction happens, Budgetly’s AI identifies the merchant, assigns the category, extracts GST, and matches the receipt. 95%+ accuracy from day one. The system learns from every correction your team makes.
- Merchant identification from raw transaction data
- Category assigned from 200+ merchant mappings
- GST extracted with 95%+ accuracy
- Line items parsed from receipts when available
- Contact, tracking code, and jobs supported
- AI model improves with every correction your team makes
Marcus Webb · Site Foreman
Bunnings WarehouseCaptured at the register, matched automatically
The mobile app prompts for a receipt the moment the card is tapped. Forward emails from Gmail or Outlook. Budgetly extracts the merchant, amount, GST, and line items, then matches the receipt to the transaction automatically.
- Snap a receipt at the register, done in seconds
- Email forwarding from Gmail or Outlook
- Auto-matched to the right transaction by amount and merchant
- Line items extracted from itemised receipts
- Missing receipt reminders sent to the card holder
- Compliance-grade audit trail for every purchase
Chatswood NSW
Bunnings Warehouse
$247.80
Every transaction arrives in your ledger already reconciled
Transactions sync to your accounting software with the merchant, amount, category, GST, receipt, tracking code, and contact already coded. Xero, MYOB, QuickBooks, NetSuite, and SAP. One-click or fully automated.
- Xero, MYOB, QuickBooks, NetSuite, and SAP
- Contacts matched automatically
- Tracking codes, jobs, and classes supported
- Multi-entity sync for groups and franchises
- One-click sync or fully automated posting
- Full audit trail from card swipe to ledger entry
Officeworks
$184.50
Month-end in hours because the ledger is already accurate
When every transaction is coded and receipted in real time, there’s nothing to reconstruct at month-end. The ledger is already accurate. Finance teams report 75% faster close times.
- Ledger continuously accurate, not reconstructed monthly
- Receipts already attached to every transaction
- GST already extracted and categorised
- Anomalies flagged during the month, not at close
- Audit trail ready without manual assembly
- More time for advisory, less for data entry
Bunnings Warehouse
$247.80
Marcus Webb · Site ForemanEvery correction teaches the AI. Every month gets faster.
AI bookkeeping is the Record stage of the Budgetly loop. Every transaction that flows through the system refines the coding engine. Every correction becomes training data. Every new merchant gets mapped. The system compounds accuracy with every transaction.
- Every correction teaches the classifier
- Every new merchant gets mapped
- Every receipt improves the matching accuracy
- Every GST extraction refines the parser
- Every month-end gets faster
- Every year compounds your finance operations
What changes when AI runs your bookkeeping
Finance teams stop reconstructing the past and start managing the present.
AI bookkeeping without the data entry
The work that used to take a bookkeeper a week happens automatically. Finance teams stop managing spreadsheets and start managing the business.
- Transactions arrive coded, GST-extracted, receipted
- 95%+ accuracy. Fewer corrections to make.
- Every correction becomes training data for next time
- Month-end close in hours, not days
- Multi-entity access across all clients
- Clean ledger every month, no reconstruction
- Full audit trail from card swipe to ledger
- Fewer queries, faster advisory conversations
- More time for high-value work
- Better outcomes for your SME clients
Trusted by teams across Australia
Read verified reviews ➜Awards and recognition
Customer stories
Bawinanga Aboriginal Corporation save 38 hours per week with Budgetly
'We ultimately decided on Budgetly because with Budgetly we can issue virtual and physical cards.'
How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly
Discover how Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly and Xero sync. Read …
How Hillsborough OOSH Saves Time and Achieves Greater Visibility with Budgetly
Budgetly's case study on how NSW childcare provider Hillsborough OOSH saved time and gained control with Budgetly's …
Sanctuary Family Solutions eliminated petty cash and manual admin with Budgetly
'With Budgetly, we now have saved time and solved a lot of the problems we had using petty cash!'
Frequently asked questions
What is AI bookkeeping?
How accurate is the AI auto-coding?
Is this real AI, or marketing?
What accounting software does it sync with?
How does receipt matching work?
What about GST?
Does AI bookkeeping replace my bookkeeper?
How does month-end close get faster?
How quickly can we get started?
Transaction data, handled like financial infrastructure
Every coded transaction passes through encryption, role-based access, and an audit trail your accountant can hand to an auditor.
Encrypted at rest and in transit
All transaction data is encrypted at rest in AWS Sydney and in transit via TLS. Access keys are rotated and scoped to the minimum required.
Role-based access control
Admins, finance managers, bookkeepers, approvers, and employees each see only what they need. No flat 'everyone can see everything' permission model.
Immutable audit trail
Every correction, re-code, and sync is logged with who, what, and when. The AI coder is part of the trail, not a black box.
Data hosted in Australia
Every transaction and receipt stays in AWS Sydney, an ISO 27001, 27017, and 27018 certified infrastructure. Data never leaves the country, which matters for NDIS, healthcare, government, and education providers.
APRA-regulated operator
Budgetly is APRA-regulated for its own financial activities. Card issuance and payments run through regulated banking partners.
Live status dashboard
Every outage, every scheduled maintenance, and every incident is posted publicly at status.budgetly.com.au in near real time.
Stop reconstructing the past. Let AI do the bookkeeping.
Every transaction coded, receipted, and synced automatically. Month-end close in hours.