AI accounting and tax assistant
Paste a trial balance and get an income statement and balance sheet back. Drop in a bank export and a ledger and get the reconciliation, with the differences found and explained. Walk through month-end close step by step. Every figure derives from the records you provide, and when tax rates or brackets are involved, Zeplik uses dated, sourced IRS figures instead of guessing from training data that may be years stale, the mistake that quietly corrupts a general chatbot's tax math.
Who it is for
- Bookkeepers and controllers running month-end close and reconciliations
- Founders and small-business owners who do their own books between accountant visits
- Accountants and tax preparers who want a fast working-paper draft to review
- Finance and FP&A teams pulling variance, margin, and cash-flow reads from exports
How it works
Export your records
Bring a trial balance, general-ledger export, bank statement, or invoice set as CSV or a spreadsheet, or paste the numbers directly. Nothing is assumed. The analysis is built only from the records you share, and you can name the period and basis in plain language.
Say what you are trying to do
Ask in your own words, for example "reconcile this bank statement against my ledger" or "build financials from this trial balance." Zeplik routes to the right accounting skill without you picking it, and you can steer the basis, the period, and the level of detail.
Review the working papers
You get a structured, review-ready deliverable with every assumption stated and the math shown, so a licensed accountant can check it. Keep iterating in the same conversation, then export the statements, the reconciliation, or the close checklist.
What you can ask
Real asks in plain language, and the concrete deliverable you get back. Open the assistant to try your own; nothing runs until you send it.
Reconcile this bank statement against my ledger export and find the differences.
A reconciliation that matches transactions, lists the unmatched items on each side, and explains the likely cause of each difference (timing, fees, duplicates), with the adjusted balance.
Build an income statement and balance sheet from my trial balance.
Properly classified statements derived from your trial balance, with the accounts mapped, subtotals computed, and the balance sheet tied out, plus the assumptions it made.
Walk me through my month-end close from reconciliation to financials.
A guided close: what to reconcile, which accruals and journal entries to post, what to review, and a checklist of what remains before the books can close.
What do I owe for my quarterly estimated taxes? Here is my year-to-date P&L.
An estimate built from your P&L using dated federal brackets and the standard deduction, with the assumptions and the source date stated, framed for your tax professional to confirm.
Explain the variance between budget and actuals in these numbers.
A variance analysis that isolates the biggest drivers, splits price from volume where it can, and gives you a plain-language read of what moved and why.
Analyze my gross margins by product line from this sales export.
A margin breakdown by line, ranked from best to worst, that flags anything sold below cost and quantifies where the profit actually comes from.
What it can do
The assistant routes to the right skill for you. Each one below is a focused, ready-to-run workflow; follow a link to see exactly what it does.
Books and reconciliation
Turn raw exports into clean, tied-out records. The core of everyday bookkeeping.
- ReconciliationMatch a bank or account export against the ledger and explain every difference.
- Journal entriesDraft correct, balanced entries for a batch of transactions you paste.
- Financial statementsIncome statement, balance sheet, and cash flow from a trial balance.
- Cash-flow snapshotA quick read of cash position and runway heading into period end.
Month-end close
Run a repeatable close with nothing missed. Guidance, checklists, and heads-ups.
- Close navigatorA step-by-step walk from reconciliation through to final financials.
- Close managementTrack what is done, what is blocked, and what remains before you can close.
- Month-end prepGet ahead of close: what to gather and reconcile before the last day.
- Month heads-upAn early read on what will need attention this close.
Analysis and tax
Move from bookkeeping to decisions, and prepare the working papers your preparer needs.
- Variance analysisBudget-versus-actual with the drivers isolated.
- Margin analysisGross margin by product, line, or SKU, with underwater items flagged.
- CollectionsWho is overdue and the collections emails to send.
- Tax prepWorking papers and estimates built on dated, sourced federal rates.
- Tax document organizerClassify the forms you upload, map rental and business expenses to Schedule E lines, and build an accountant-ready packet.
- Tax-loss harvestingRank harvest candidates from your lots, net short versus long-term, and flag wash-sale risk in the 61-day window.
- Audit supportAssemble working papers and support for an upcoming audit.
- SOX testingDesign and document a controls test for a key process.
Why a general chatbot gets tax math wrong, and what is different here
Accounting is arithmetic on your numbers, so a general model can help, until tax enters the picture. Brackets, the standard deduction, and contribution limits change every year, and a model answers from whatever year its training froze. It will state a confidently wrong standard deduction and never flag it. Zeplik grounds the numbers that go stale.
The failure. Asked for the current standard deduction or tax brackets, a general model returns figures from its training cutoff, often a year or more out of date, with no warning.
How Zeplik grounds it. When tax rates or the standard deduction are needed, Zeplik uses a curated, dated table of US federal figures with the tax year, the source, and an as-of date attached, so the number is current and checkable rather than a stale guess.
The failure. A general model treats your ledger as an average of every ledger, inventing balances and accounts that are not in your data.
How Zeplik grounds it. Every statement, reconciliation, and estimate is derived only from the records you provide, with each assumption stated so a licensed accountant can trace it back to your source.
The failure. A general model presents a number as a filed answer, blurring the line between a draft and a return.
How Zeplik grounds it. Every result is framed as working-paper analysis for a licensed accountant or tax professional to review. It is not accounting or tax advice and is not a filed return.
What it does not do
Knowing the boundary is part of using it responsibly. This is where a person, not the assistant, has to own the call.
- It is not your accountant. The output is working-paper analysis for a licensed accountant or tax professional to review. It is not accounting or tax advice, and it is not a filed return.
- Garbage in, garbage out. The statements are only as right as the trial balance or export you provide. A miscoded account upstream produces a wrong-but-confident statement. Check the inputs.
- Federal, not every jurisdiction. The dated tax figures cover US federal brackets and the standard deduction. State, local, and international rules, and your specific situation, are for your tax professional.
- It does not connect to your accounting software. There is no live QuickBooks or Xero sync. You export the data and paste or upload it, which keeps you in control of exactly what it sees.
This is working-paper analysis to be reviewed by a licensed accountant or tax professional -- it is not accounting or tax advice and is not a filed return. Every figure derives from the records you provide; state and check each assumption before relying on it.
Frequently asked questions
- Is the AI accounting assistant free?
- Zeplik is free to start and every new account includes credits. Accounting skills run like any other Zeplik chat, so you spend only normal usage credits on the model, shown before you send. Looking up a dated federal tax rate is free.
- Does it give tax advice?
- No. It produces working-paper analysis and estimates for a licensed accountant or tax professional to review. It is not accounting or tax advice and is not a filed return. Use it to prepare and check, not to file.
- How does it stay current on tax rates?
- When brackets or the standard deduction are needed, Zeplik uses a curated table of US federal figures with the tax year, source, and an as-of date attached, rather than answering from a model's training cutoff. The as-of date is shown so you can confirm it.
- What do I need to provide?
- A trial balance, general-ledger export, bank statement, or invoice set as CSV or a spreadsheet, or pasted numbers. There is no account linking or connector. The analysis is built only from what you share.
- Can it do a full month-end close?
- It guides the close step by step, drafts the journal entries, runs the reconciliation, builds the statements, and tracks what remains, all in one conversation. A person still reviews and posts, but the mechanical work is done for you.
- Does it connect to QuickBooks or Xero?
- No live connector. You export from your accounting software and upload or paste the data, so you control exactly what it sees and nothing is pulled behind your back.
More on Zeplik
Close your first set of books
Upload a trial balance or a bank export and get statements, reconciliations, and working papers you can review. Free to start, with dated tax figures, not stale guesses.