The AI bookkeeper that pays for itself.
Prosper plans, explains, and waits for your approval before touching your books. Built for founders, bookkeepers, and agencies who need trustworthy automation.
Manual import, clean ledger
- Manual CSV import
- Manual categorization
- Invoicing included
- Community support
Automatic categorization for founders and bookkeepers
- Bank sync via Plaid
- Automatic categorization with review
- Receipt scanning + matching
- Up to 3 users + email support
Multi-client management for agencies and fractional CFOs
- Unlimited bank connections
- Higher AI capacity + concierge onboarding
- Receipt scanning
- Up to 10 users + 50 workspaces
Gate automation, not accounting truth.
| Feature | Starter | Pro | Agency |
|---|---|---|---|
| Bank Integration (Plaid) | Manual import only | Bank sync included | Unlimited connections |
| Automatic Categorization | Manual categorization | Automatic with review | Higher capacity |
| AI Merchant Research | Not included | Standard capacity | Priority capacity |
| Receipt Scanning & Matching | Not included | Included | Included |
| Invoicing & Payments | Included | Unlimited | Recurring + bulk |
| Double-Entry Ledger | Included | Included | Included |
| Rules System | Included | Included | Included |
| Reconciliation | Manual only | AI suggestions | AI suggestions |
| Reporting | P&L + balance sheet | Standard + AR aging | Full audit trail |
| Workspaces | 1 workspace | 3 workspaces | 50 workspaces |
| Seats (Users) | 1 user | Up to 3 users | Up to 10 users |
| Support | Community | Email support | Priority + concierge onboarding |
Managing clients? Add workspaces at $10 / client / mo.
The Agency plan includes 50 workspaces. Need more? Add additional client workspaces for $10 per client per month. Manage billing in one place; each client sees only their own books.
Everything you need to know
Do I need a credit card to start?
No. Starter is free and stays free. Add a card only when you want bank sync and automatic categorization.
What counts as an AI merchant lookup?
A merchant lookup is a web-researched categorization for an unfamiliar vendor or merchant name. Routine automatic categorization is included separately.
What AI features are included on each plan?
Automatic categorization and receipt scanning are available on Pro and Agency. Starter users categorize manually and can upgrade at any time. Pro offers standard AI capacity; Agency gets priority capacity for higher-volume workflows.
Is this a real double-entry system?
Yes. Prosper maintains a full general ledger and chart of accounts so your CPA gets clean, traceable books they can work from directly.
Who is Prosper NOT for?
Inventory-heavy retail (use Shopify/NetSuite). Large payroll teams needing native processing (use Rippling or Gusto; we only import journal entries). Cash-only businesses without digital records.
Ready to get to zero faster?
Start free, prove the workflow, then upgrade when automation saves you time.