Business setup
Capture business and legal names, choose supported accounting settings and set the fiscal-year start month.
Canadian business accounting
Keep your books connected to real decisions.
Manage the day-to-day accounting of an owner-managed business: bank imports, A/R, A/P, journals, reconciliation, payroll, reports and accountant handoffs.
Step-by-step help
Prefer to learn by doing?
Follow the Cashflow Pilot tutorials with examples you can check against your own data.
A closer look
Business, step by step
See how the bookkeeping journey is organized, from statement review to invoices and year-end workpapers.
The labelled spaces above are not screenshots of the current app. Actual sanitized captures will be added after release and device verification. Until then, use the linked step-by-step guides to explore each workflow.
Everything in Business
A complete view of your books and the work behind them.
Run owner-managed Canadian bookkeeping with reviewed transactions, double-entry accounting, invoices, payables, reconciliation, payroll workpapers and accountant exports.
Feature area 01
5 capabilitiesCompany and ledger
Start with accounting structure.
Chart of accounts
Use and maintain a structured list of income, expenses, assets, liabilities and equity accounts.
Double-entry journals
Create and review balanced accounting entries with debits, credits and supporting explanations.
Account ledger
Drill from balances to transactions and journal activity where supported.
Fiscal-period controls
Apply available locks and close safeguards to reduce unexpected changes to earlier accounting periods.
Feature area 02
5 capabilitiesBanking and reconciliation
Separate imported evidence from posted books.
Bank and card imports
Bring in supported CSV records or migrate supported QuickBooks backup data into review workflows.
Pending, posted and excluded
Review entries before posting; exclude unwanted imports without disguising the distinction from booked activity.
Transfer matching
Identify bank-to-bank and card-payment transfers so internal movements are not counted as revenue or expense.
Statement reconciliation
Check opening balances, statement activity and ledger movements and resolve discrepancies before closing.
CAD and USD guardrails
Review supported cross-currency transfers and currency-locked account ledgers; use available FX adjustment workflows carefully.
Feature area 03
5 capabilitiesSales, customers and expenses
Keep receivables and payables together.
Customers and products
Maintain customer records and a catalogue of products and services used on invoices.
Invoices and numbering
Create and manage invoices with editable numbering where supported, then follow payment status.
Receivables and aging
Inspect overdue receivables and collection priorities using available aging and recurring invoice workflows.
Bills and suppliers
Record supplier obligations, bills and related payments to track what is owed.
Transaction categorization
Apply accounting categories and chart-of-account mappings while preserving review and posting controls.
Feature area 04
5 capabilitiesReports and decisions
Use reconciled books to understand the business.
Income statement
Review revenue and expenses over selected periods.
Balance sheet
Inspect supported assets, liabilities and equity account balances.
Cash flow and forecasts
Review cash movement, upcoming obligations and forecast widgets as supported.
Customizable dashboard
Choose and rearrange supported business widgets such as A/R, A/P and income trends.
Exports for accountants
Prepare supported workbook, ledger and backup exports for professional review.
Feature area 05
5 capabilitiesCanadian payroll and year-end
Keep workpapers traceable and reviewable.
Employee and pay-run setup
Configure supported province, pay frequency, employee exemptions and pay-period details.
Payroll calculation and posting
Review calculations, finalize payroll records and post the resulting accounting journals according to supported rules.
Remittance and reporting workpapers
Track payroll deductions, remittances and T4/ROE workpapers. Business also offers separate T5 dividend-reporting workpapers.
Fixed assets and CCA
Maintain supported asset/depreciation records and Canadian CCA continuity workpapers.
GST/HST and year-end FX
Review supported HST entries and exchange adjustments for applicable monetary balances before accountant handoff.
Feature area 06
5 capabilitiesData safety and handoff
Operate with a deliberate recovery plan.
Local-first business records
Work with available accounting data on the device without being forced to publish it to the cloud.
Optional Cloud Sync
When enabled, sync supported accounting records; raw imports, generated workpapers and some identifiers remain local.
Backup/restore controls
Export and independently verify supported financial records before major imports, restores or closes.
Accountant collaboration
Use controlled exports and reviewed journal adjustments rather than assuming the accountant has direct login access.
Tax-year validation
2026 payroll rules are included for Canada, including Quebec. Other years require updated rules. Review HST, CCA and FX workpapers before filing or remitting.
Availability can depend on your build, device, imported records and connected providers. See the cross-workspace feature table →
Built for real records
Details that make the difference.
A useful financial workspace needs guardrails, not just charts.
Review is not optional for bookkeeping
Imported Business transactions remain Pending until reviewed and posted. Do not confuse the statement balance with the ledger balance.
Keep your accountant in the loop
Export supported workbooks and workpapers for review. Accountant adjustments can be imported as balanced journals after validation.
Canadian rules change
Payroll and tax calculations depend on validated jurisdiction and tax-year rules. Professional review is still needed before filing or remitting.
Frequently asked
Business questions, answered.
Is this a replacement for an accountant?
No. It helps assemble and review accounting records, but tax filings, payroll rules and year-end adjustments should be checked by a qualified professional.
Does an imported bank transaction immediately affect the ledger?
Business imports use a review flow; distinguish pending, posted and excluded transactions and reconcile before treating figures as final.
Does Cloud Sync include every uploaded or generated file?
No. Raw import history, generated reports/workpapers, some sensitive identifiers and certain other items may remain local. See the data guide.
Does it automatically support every Canadian payroll year?
No. Province and tax-year rule coverage must be verified; future years should not be used until calculation rules are validated.
Go further with these guides.
Step-by-step help for common tasks and important review checkpoints.
Data ownership and safety
Your account, your data, your choice.
You decide how to manage your information and whether to sync between devices.
Local by default
Financial records are available on the device. You can start without linking a bank or enabling cloud replication.
Sync when you want
Signing in identifies you; enabling Cloud Sync separately sends supported records between devices. Not every file or sensitive field is included.
Back up independently
Save a backup so you have a copy if you ever need to restore your information.
How it works
From first record to a clearer view.
Use the workflow that fits your existing data. Bank connections and Cloud Sync are optional, separate choices.
Configure the business
Choose fiscal year, accounts and accounting settings.
Import and review
Load activity, reconcile transfers and post appropriate entries.
Run workflows
Create invoices, handle payables and prepare payroll workpapers.
Close and export
Reconcile periods and produce a verified accountant handoff.
Guides & tutorials
Take the next step with confidence.
Short guides explain how data enters Cashflow Pilot and what to check before accepting it.
Reconcile a bank statement
See how to get started, step by step.
Read guide →Set up your first business
See how to get started, step by step.
Read guide →Back up and export
See how to get started, step by step.
Read guide →Explore more
From payroll to accountant handoff.
Detailed workflow pages for Canadian business records.
Free to use · Actively improving
Start today. Explore more as you need it.
Cashflow Pilot has no required app subscription for its current tools. Use one workspace or all three. Improvements keep coming, and you choose whether to connect a bank.
A better view of your finances starts here.
Use Cashflow Pilot locally, then add the workflows and integrations that make sense for you.
Learn by doing
Step-by-step help for real tasks
Simple examples, common mistakes and guidance for checking your figures.