Features

One install. The whole back office.

Everything a small business needs to keep its own books — and nothing that needs someone else's server.

Invoices & estimates

Progress billing, credit memos, statements, sales receipts. Email as PDF, record payments against the right invoice, see what's overdue at a glance.

Bills & payments

Enter bills, pay many at once, print cheques, apply vendor credits. Accounts payable ages itself.

Bank feeds

Connect with OFX Direct Connect or import statements; match, add, or rule-route transactions. Reconcile with the running difference always visible.

Payroll & year-end

Federal withholding from current IRS tables, Social Security wage caps, pay stubs, and W-2 files in the SSA's electronic format.

Canadian payroll in progress

Reports accountants expect

Profit & loss, balance sheet, trial balance, general ledger, A/R and A/P aging, cash vs accrual — print or export as PDF.

Multi-currency

Invoice in CAD, pay in USD. Per-document exchange rates, realised gains and losses posted automatically, home-currency reports.

Inventory, jobs & classes

Items with quantities and average cost, customer jobs, classes for departments or locations — and reports cut by any of them.

Multi-user over your LAN

One computer hosts the file; others connect across the office network with record locking. No cloud relay, no per-seat surprise.

Backups & audit trail

Automatic backup before any migration or upgrade, integrity checks on open, and a log of who changed what and when.

Two business partners reviewing their books on one laptop in a print shop

In detail

Area by area

Sales

From estimate to paid invoice

Estimates that convert to invoices in one click

Progress billing against an estimate

Credit memos, refunds and customer statements

Sales receipts for cash-and-carry

Email invoices as PDF with your logo

Receive payments against one or many invoices; overpayment guard

Open-invoice and A/R aging reports

Purchases

Bills, cheques and vendors

Enter bills with items or expense lines

Pay many bills at once; partial payments

Print cheques on standard Canadian and US cheque stock

Vendor credits applied automatically

A/P aging and unpaid-bills reports

1099-style vendor tracking (US)

Banking

Feeds and reconciliation

OFX Direct Connect to banks that support it

Import OFX/QFX statements from any bank

Match to existing transactions, add new ones, or route by rule

Reconcile with the running difference always visible

Transfers between accounts, bank charges and interest

Payroll

US federal payroll with year-end

Employees with W-4 details, pay rates and schedules

Federal income-tax withholding from the current IRS percentage-method tables

Social Security wage-base cap and Medicare, computed per year-to-date

Pay stubs; direct-deposit or cheque

W-2 output in the SSA's EFW2 electronic format (validate with AccuWage)

Canadian payroll: in progress

Reports

What your accountant asks for

Profit & loss, balance sheet, trial balance, general ledger

A/R and A/P aging, open invoices, unpaid bills

Cash-basis and accrual-basis views

Filter by date, class, job, customer or vendor

Print, or export to PDF

Multi-currency

CAD and USD, side by side

Customers and vendors in their own currency

Per-document exchange rates — stored, never guessed

Realised gains and losses posted automatically on payment

Home-currency reporting

Inventory, jobs & classes

Track more than money

Inventory items with quantities and average cost

Non-inventory and service items

Customer jobs for project profitability

Classes for departments, locations or lines of business

Working together

Multi-user on your network

One computer hosts the company file

Others connect across the office LAN

Record locking so two people can't edit the same transaction

Admin, bookkeeper and view-only roles

Give your accountant a copy of the file, or a user login — no seat fee

Safety

Backups and audit

Automatic backup before any migration or upgrade

Integrity check every time the file opens

Closed-period lock with password

Audit log of who changed what and when

Password-protected file; login lockout after repeated failures

Compared

Desktop and local, on purpose.

Feature	AcboBooks	Typical cloud accounting	Spreadsheets
Your data
Where your data lives	Your computer	Vendor's servers	Your computer
Works without internet	Yes	No	Yes
Account or sign-up required	None	Yes	None
Take your data with you	It's a file — always	Export, often partial	It's a file
Automatic backup before changes	Yes, on your drive	Vendor-held only	No
Doing the books
Enforced double-entry	Yes	Yes	No
Closed-period lock & audit trail	Built in	Usually	No
Bank feeds	OFX + statement import	Yes	No
Payroll & W-2 e-file	Included	Add-on	No
Multi-currency, per-document rates	Included	Higher tiers	Manual
Inventory, jobs & classes	Included	Higher tiers or add-on	Manual
Print cheques & statements	Yes	Varies	No
Imports QuickBooks® Desktop	Lists + transactions	Varies	Manual
Working together
Multi-user	Office network, record locking	Internet	Conflicts
Accountant access	Free — copy the file or add a user	Often a paid seat	Email the file
Works on the PCs you already own	Windows 10/11, offline	Any browser	Yes
Cost
How you pay	Once — $399.99	Monthly, per seat	Free
Price can rise next year	No — you own it	Commonly	No
Updates & support	12 months included	Included while subscribed	None

"Typical cloud accounting" describes common subscription products in general, not any single vendor.

Get started

Your books, on your desk, this afternoon.

Download, open the sample company or import your own, and watch the ledger balance.

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