# Beancount.io

> Plain-Text Accounting. Powerful, Precise, Auditable.

> When to use Beancount.io: plain-text, double-entry bookkeeping with git versioning. Best for AI agents that need to query balances via BQL, import bank CSVs to Beancount format, or make auditable ledger edits. Call via MCP (https://beancount.io/api-gateway/mcp) or GraphQL (/graphql) with scoped API keys. See /openapi.json for typed schemas and operationIds.

## When to Use

- [When to use Beancount.io - plain-text accounting for AI agents](https://beancount.io/): Reach for Beancount.io when you need: (1) double-entry bookkeeping with git-versioned plain-text ledgers, (2) BQL queries over financial data, (3) CSV/bank import to Beancount, (4) auditable transaction history. Local CLI use needs no account - see /docs/Basics/bea-cli and the no-importer CSV recipe at /docs/Solutions/import-bank-exports-cli. Hosted MCP use needs a Web Beancount account with a ledger-scoped grant: call the MCP server (https://beancount.io/api-gateway/mcp) or GraphQL API (/graphql) with scoped keys. Prefer BQL via runBqlQuery for balances/reports; use editLedgerFiles for atomic ledger edits, previewing with dry_run first because the commit path can report validation errors after the write. See /mcp and /openapi.json for tool schemas; the live tool enumeration is at https://beancount.io/.well-known/mcp.json.

## Product

- [Beancount.io](https://beancount.io/)
- [Pricing](https://beancount.io/pricing)
- [Transaction & net-worth tracking](https://beancount.io/tracking)
- [Automatic Beancount prices & portfolio valuation](https://beancount.io/live-prices)
- [For couples](https://beancount.io/for-couples)
- [For professionals](https://beancount.io/for-professionals)
- [Give your AI agent a ledger](https://beancount.io/for-ai-agents)
- [Fava](https://beancount.io/fava)
- [Git integration](https://beancount.io/git)
- [AI accounting assistant](https://beancount.io/assistant)
- [Smart Import](https://beancount.io/smart-import)
- [Model Context Protocol (MCP)](https://beancount.io/mcp)
- [Open Ledger](https://beancount.io/open-ledger)
- [Bank Sync](https://beancount.io/bank-sync)
- [Beancount Cloud](https://beancount.io/beancount-cloud)
- [Download (iOS & Android)](https://beancount.io/download)
- [Beancount for Android](https://beancount.io/beancount-android)
- [Beancount for iOS](https://beancount.io/beancount-ios)
- [Security](https://beancount.io/security)
- [Compare accounting tools](https://beancount.io/compare)
- [Free browser tools](https://beancount.io/tools)
- [Bean Labs](https://beancount.io/bean-labs)
- [Changelog](https://beancount.io/changelog)
- [CSV to Beancount converter](https://beancount.io/tools/csv-to-beancount)
- [OFX & QIF to Beancount converter](https://beancount.io/tools/ofx-to-beancount)
- [Ledger to Beancount converter](https://beancount.io/tools/ledger-to-beancount)
- [Debt coverage calculator](https://beancount.io/tools/debt-coverage-calculator)
- [Menu engineering calculator](https://beancount.io/tools/menu-engineering-calculator)
- [Receivables turnover calculator](https://beancount.io/tools/receivables-turnover-calculator)
- [Straight-line depreciation calculator](https://beancount.io/tools/straight-line-depreciation-calculator)
- [Chase CSV to Beancount](https://beancount.io/tools/csv-to-beancount/chase)
- [American Express CSV to Beancount](https://beancount.io/tools/csv-to-beancount/amex)
- [Capital One CSV to Beancount](https://beancount.io/tools/csv-to-beancount/capital-one)
- [Bank of America CSV to Beancount](https://beancount.io/tools/csv-to-beancount/bank-of-america)
- [Wells Fargo CSV to Beancount](https://beancount.io/tools/csv-to-beancount/wells-fargo)
- [Wise CSV to Beancount](https://beancount.io/tools/csv-to-beancount/wise)
- [Fidelity CSV to Beancount](https://beancount.io/tools/csv-to-beancount/fidelity)
- [Charles Schwab CSV to Beancount](https://beancount.io/tools/csv-to-beancount/schwab)
- [Citi CSV to Beancount](https://beancount.io/tools/csv-to-beancount/citi)
- [Discover CSV to Beancount](https://beancount.io/tools/csv-to-beancount/discover)
- [Ally Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ally)
- [Monzo CSV to Beancount](https://beancount.io/tools/csv-to-beancount/monzo)
- [U.S. Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/us-bank)
- [TD Canada Trust CSV to Beancount](https://beancount.io/tools/csv-to-beancount/td-canada-trust)
- [Apple Card CSV to Beancount](https://beancount.io/tools/csv-to-beancount/apple-card)
- [Barclays CSV to Beancount](https://beancount.io/tools/csv-to-beancount/barclays)
- [YNAB CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ynab)
- [Mint CSV to Beancount](https://beancount.io/tools/csv-to-beancount/mint)
- [Monarch Money CSV to Beancount](https://beancount.io/tools/csv-to-beancount/monarch)
- [Empower CSV to Beancount](https://beancount.io/tools/csv-to-beancount/empower)
- [N26 CSV to Beancount](https://beancount.io/tools/csv-to-beancount/n26)
- [Starling Bank CSV to Beancount](https://beancount.io/tools/csv-to-beancount/starling)
- [bunq CSV to Beancount](https://beancount.io/tools/csv-to-beancount/bunq)
- [ING CSV to Beancount](https://beancount.io/tools/csv-to-beancount/ing)

## Open Ledger Companies

- [Adobe](https://beancount.io/ledger/open_ledger/adobe)
- [Adyen](https://beancount.io/ledger/open_ledger/adyen)
- [Affirm](https://beancount.io/ledger/open_ledger/affirm)
- [Airbnb](https://beancount.io/ledger/open_ledger/airbnb)
- [Alibaba](https://beancount.io/ledger/open_ledger/alibaba)
- [Alphabet](https://beancount.io/ledger/open_ledger/alphabet)
- [Amazon](https://beancount.io/ledger/open_ledger/amazon)
- [Amd](https://beancount.io/ledger/open_ledger/amd)
- [Apple](https://beancount.io/ledger/open_ledger/apple)
- [Applied Materials](https://beancount.io/ledger/open_ledger/applied-materials)
- [Berkshire Hathaway](https://beancount.io/ledger/open_ledger/berkshire-hathaway)
- [Best Buy](https://beancount.io/ledger/open_ledger/best-buy)
- [Broadcom](https://beancount.io/ledger/open_ledger/broadcom)
- [Carnival](https://beancount.io/ledger/open_ledger/carnival)
- [Circle](https://beancount.io/ledger/open_ledger/circle)
- [Cisco](https://beancount.io/ledger/open_ledger/cisco)
- [Coinbase](https://beancount.io/ledger/open_ledger/coinbase)
- [Crowdstrike](https://beancount.io/ledger/open_ledger/crowdstrike)
- [Dell](https://beancount.io/ledger/open_ledger/dell)
- [Delta Air Lines](https://beancount.io/ledger/open_ledger/delta-air-lines)
- [Dicks Sporting Goods](https://beancount.io/ledger/open_ledger/dicks-sporting-goods)
- [Disney](https://beancount.io/ledger/open_ledger/disney)
- [Dollar General](https://beancount.io/ledger/open_ledger/dollar-general)
- [Eli Lilly](https://beancount.io/ledger/open_ledger/eli-lilly)
- [Estee Lauder](https://beancount.io/ledger/open_ledger/estee-lauder)
- [Fedex](https://beancount.io/ledger/open_ledger/fedex)
- [Gamestop](https://beancount.io/ledger/open_ledger/gamestop)
- [Home Depot](https://beancount.io/ledger/open_ledger/home-depot)
- [Hp](https://beancount.io/ledger/open_ledger/hp)
- [Intuit](https://beancount.io/ledger/open_ledger/intuit)
- [Jpmorgan Chase](https://beancount.io/ledger/open_ledger/jpmorgan-chase)
- [Kroger](https://beancount.io/ledger/open_ledger/kroger)
- [Levi Strauss](https://beancount.io/ledger/open_ledger/levi-strauss)
- [Lowes](https://beancount.io/ledger/open_ledger/lowes)
- [Lululemon](https://beancount.io/ledger/open_ledger/lululemon)
- [Marvell](https://beancount.io/ledger/open_ledger/marvell)
- [Medtronic](https://beancount.io/ledger/open_ledger/medtronic)
- [Meta](https://beancount.io/ledger/open_ledger/meta)
- [Micron](https://beancount.io/ledger/open_ledger/micron)
- [Microsoft](https://beancount.io/ledger/open_ledger/microsoft)
- [Minimax](https://beancount.io/ledger/open_ledger/minimax)
- [Netflix](https://beancount.io/ledger/open_ledger/netflix)
- [Nike](https://beancount.io/ledger/open_ledger/nike)
- [Novo Nordisk](https://beancount.io/ledger/open_ledger/novo-nordisk)
- [Nvidia](https://beancount.io/ledger/open_ledger/nvidia)
- [Oracle](https://beancount.io/ledger/open_ledger/oracle)
- [Palantir](https://beancount.io/ledger/open_ledger/palantir)
- [Palo Alto Networks](https://beancount.io/ledger/open_ledger/palo-alto-networks)
- [Pepsico](https://beancount.io/ledger/open_ledger/pepsico)
- [Robinhood](https://beancount.io/ledger/open_ledger/robinhood)
- [Salesforce](https://beancount.io/ledger/open_ledger/salesforce)
- [Shopify](https://beancount.io/ledger/open_ledger/shopify)
- [Snowflake](https://beancount.io/ledger/open_ledger/snowflake)
- [Spacex](https://beancount.io/ledger/open_ledger/spacex)
- [Spotify](https://beancount.io/ledger/open_ledger/spotify)
- [Starbucks](https://beancount.io/ledger/open_ledger/starbucks)
- [Synopsys](https://beancount.io/ledger/open_ledger/synopsys)
- [Target](https://beancount.io/ledger/open_ledger/target)
- [Tencent](https://beancount.io/ledger/open_ledger/tencent)
- [Tesla](https://beancount.io/ledger/open_ledger/tesla)
- [Tjx](https://beancount.io/ledger/open_ledger/tjx)
- [Uber](https://beancount.io/ledger/open_ledger/uber)
- [Walmart](https://beancount.io/ledger/open_ledger/walmart)
- [Workday](https://beancount.io/ledger/open_ledger/workday)
- [Zscaler](https://beancount.io/ledger/open_ledger/zscaler)

## Developers

- [Beancount.io REST API Reference](https://beancount.io/docs/api-reference): Interactive Scalar reference for the public ledger REST API - inspect schemas, code samples, authentication, and operations
- [Beancount Prices API Reference](https://beancount.io/docs/prices-api-reference): Interactive Scalar reference for the Beancount Prices API - inspect endpoints, schemas, and code samples
- [Beancount.io OpenAPI Spec](https://beancount.io/openapi.json): OpenAPI 3.1 spec for the Beancount.io API - use for function calling and code generation
- [Beancount.io GraphQL API](https://beancount.io/graphql): GraphQL endpoint - 12 operations, 22 types, supports scoped API keys and OAuth
- [Beancount.io MCP Server](https://beancount.io/mcp): Model Context Protocol server at https://beancount.io/api-gateway/mcp - ledger tools (runBqlQuery, listLedgerFiles, readLedgerFiles, editLedgerFiles with dry_run preview and atomic git commits) plus API-key management and bank-import tools; the tool set grows, so read the current enumeration at https://beancount.io/.well-known/mcp.json. Hosted access needs a Web Beancount account with a ledger-scoped OAuth 2.1 grant or token
- [Beancount.io API Docs](https://beancount.io/docs): Full API and product documentation - every doc available as text/markdown via Accept negotiation or .md suffix
- [Beancount.io Sitemap](https://beancount.io/sitemap.xml): Full site map with hreflang alternates - start here to discover all pages
- [Beancount.io LLMs Full](https://beancount.io/llms-full.txt): Complete English docs corpus concatenated - one fetch for the whole knowledge base

## Resources

- [A Founder's Guide to Essential U.S. Business Licenses & Permits](https://beancount.io/founder-resources/essential-business-licenses): Understanding the essential business licenses and permits needed for startups in the U.S. is crucial for legal operation and future growth. This guide provides a clear overview of the most common requirements founders should be aware of.
- [A Founder's Guide to the Startup Chart of Accounts](https://beancount.io/founder-resources/startup-chart-of-accounts): Learn how to create a well-structured Chart of Accounts for your startup that serves as a financial framework, enabling you to manage your finances effectively as you grow.
- [Awesome Beancount - Curated Resources & Tools](https://beancount.io/awesome-beancount): The Beancount ecosystem in one place: tools, plugins, importers and resources for plain-text accounting, from the core engine to mobile apps.
- [Beancount Demo - Try Plain-Text Accounting](https://beancount.io/demo): Try Beancount's interactive demo: open a live plain-text ledger and see how transparent, scriptable accounting works for developers and finance teams.
- [Beancount Setup for Startups](https://beancount.io/founder-resources/beancount-setup-for-startups): Learn how to implement an efficient, open-source accounting system for your startup using Beancount. This guide offers a straightforward setup that ensures your financial records are accurate, auditable, and easily manageable as you grow from pre-seed to Series A.
- [Beancount vs Actual Budget: Envelope Discipline or a Ledger You Audit?](https://beancount.io/compare/beancount-vs-actual-budget): Actual Budget and Beancount are both free, open-source, local-first — and built for different jobs. An honest comparison of envelope budgeting in Actual versus double-entry accounting in Beancount: investments, multi-currency, data formats, bank sync, and which tool fits which reader.
- [Beancount vs Credit Karma: Free as in Ads, or Free as in Yours?](https://beancount.io/compare/beancount-vs-credit-karma): Credit Karma is free because ads and card referrals pay for it — and it has no budgeting tools. An honest Beancount vs Credit Karma comparison: the Mint migration's three-year history cap, what 'free' really means, Mint CSV migration, and where Credit Karma genuinely wins.
- [Beancount vs GnuCash: Comprehensive Comparison](https://beancount.io/compare/beancount-vs-gnucash): Beancount vs GnuCash: features, usability, platform support and data ownership compared, so you can pick the right double-entry accounting system.
- [Beancount vs Ledger CLI: Choosing a Plain-Text Accounting Tool](https://beancount.io/compare/beancount-vs-ledger-cli): Compare Beancount and Ledger CLI on syntax, validation, performance, reporting, imports, extensibility, Fava, and migration between plain-text ledgers.
- [Beancount vs Mint: What Replaces a Budgeting App That Shut Down?](https://beancount.io/compare/beancount-vs-mint): Mint shut down in March 2024 and Credit Karma has no budgeting tools. An honest look at Beancount as a Mint alternative: plain-text ownership, Mint CSV import, bank sync, mobile apps, and where hosted apps still win.
- [Beancount vs Monarch Money: Rent a Dashboard or Own Your Ledger?](https://beancount.io/compare/beancount-vs-monarch): Monarch Money is the most polished Mint successor — and a $99.99-a-year subscription around a database you can only leave through CSV files. An honest look at Beancount as a Monarch alternative: plain-text ownership, double-entry precision, CSV import, and where Monarch genuinely wins.
- [Beancount vs QuickBooks: Which Accounting System Fits Your Business?](https://beancount.io/compare/beancount-vs-quickbooks): An honest Beancount vs QuickBooks comparison covering bookkeeping, bank feeds, invoicing, auditability, automation, pricing, and migration for small businesses.
- [Beancount vs Simplifi: A Ledger You Own or a Budget You Rent?](https://beancount.io/compare/beancount-vs-simplifi): An honest Beancount vs Simplifi comparison. Simplifi by Quicken is a polished, paid-only budgeting app you rent; Beancount is a complete plain-text accounting system you own. Spending plans, investments, CSV migration, bank sync, and cost.
- [Beancount vs YNAB: Accounting Control or Guided Budgeting?](https://beancount.io/compare/beancount-vs-ynab): An honest Beancount vs YNAB comparison covering envelope budgeting, double-entry accounting, bank sync, mobile apps, investments, data ownership, and cost.
- [Beancount vs. hledger: Finding Your Financial Fit](https://beancount.io/compare/beancount-vs-hledger): Understand the key differences between Beancount and hledger to determine which accounting tool aligns best with your financial needs and technical comfort level.
- [Business Structure Decision & Setup Checklist](https://beancount.io/founder-resources/business-structure-guide): A practical checklist for choosing your startup's business structure and handling the first formation steps, written for founders raising VC.
- [Cash Flow Forecasting: The 13-Week Rolling Forecast Method](https://beancount.io/founder-resources/cash-flow-forecasting): Master your company's liquidity with a 13-week rolling cash forecast, plus a downloadable formula-backed workbook and sample Beancount ledger you reconcile by hand each Monday.
- [Contact Beancount.io — Get in Touch](https://beancount.io/contact): Contact Beancount.io for support, sales, partnerships or security reports — email hello@beancount.io, Telegram @beancount or GitHub. Replies in a business day.
- [Contract Templates: Customer & Vendor Agreements](https://beancount.io/founder-resources/contract-templates): Streamline your revenue generation with practical contract templates designed for Seed to Series B teams, ensuring compliance and efficiency in customer and vendor agreements.
- [Email Automation: A Founder's Playbook for Drip Campaigns & Retention](https://beancount.io/founder-resources/email-automation): Learn how to transform sign-ups into loyal users and sustainable revenue with effective email automation strategies. This playbook outlines essential practices for driving user activation and engagement through targeted, event-driven campaigns.
- [Employee Equity Plans: A Founder's Playbook for Stock Options & Vesting](https://beancount.io/founder-resources/employee-equity-plans): A practical guide for founders on designing employee equity plans, covering stock options, vesting strategies, and essential legal and tax considerations.
- [Financial Model Templates for SaaS, Marketplace, and E-commerce](https://beancount.io/founder-resources/financial-model-templates): Robust financial model templates designed for SaaS, Marketplace, and E-commerce businesses, ensuring your forecasts align with actual performance through seamless integration with Beancount.
- [Frequently Asked Questions](https://beancount.io/faq): Plain-text accounting, simplified — answers on pricing, features, security, and how to get started with Beancount.io.
- [Growth Metrics Dashboard](https://beancount.io/founder-resources/growth-metrics-dashboard): Learn how to effectively track key growth metrics like CAC, LTV, and churn with a straightforward dashboard. This guide provides clear definitions, essential calculations, and practical formulas for founders.
- [Hiring Toolkit: Job Descriptions & Interviews](https://beancount.io/founder-resources/hiring-toolkit): This toolkit provides early-stage founders with essential resources for crafting clear job descriptions and conducting structured interviews, ensuring a high hiring standard while minimizing bias.
- [Investor Database — VCs & Angels Directory](https://beancount.io/founder-resources/investor-database): A practical index of databases and directories that help founders connect with venture firms and angel investors tailored to their stage and region.
- [IP Protection Guide: Trademarks & Patents](https://beancount.io/founder-resources/ip-production-guide): Trademark and patent essentials for founders: filing strategies, types of protection and the key timelines that safeguard your innovations and brand.
- [Pitch Deck Template](https://beancount.io/founder-resources/pitch-deck-template): Craft an effective pitch deck with this concise template that offers stage-specific guidance and integrates Beancount-powered metrics for a data-driven approach.
- [Privacy Policy - How we secure and protect your information.](https://beancount.io/privacy-policy): Beancount.io Privacy Policy: how we collect, use and protect your personal and financial information, and the controls you keep over your own data.
- [Product-Led Growth: A Playbook for Onboarding & Viral Loops](https://beancount.io/founder-resources/product-led-growth): Learn how to effectively design onboarding experiences and viral loops to drive customer acquisition and enhance user engagement in early-stage companies.
- [Reads and Finds](https://beancount.io/reads-and-finds): A curated collection of ideas, tools, and teams that are reshaping how we build and learn.
- [Remote Team Playbook: Distributed Team Best Practices](https://beancount.io/founder-resources/remote-team-playbook): Creating a successful remote team requires intentional design and clear principles. This playbook outlines essential practices for building a high-output, low-drama distributed team, focusing on communication, wellbeing, and operational efficiency.
- [Salary Benchmarking: Market-rate Compensation](https://beancount.io/founder-resources/salary-benchmarking): Understanding market-rate compensation involves navigating various data sources and defining your pay philosophy. This guide provides a practical framework for founders and HR leaders to establish a defensible salary benchmarking system.
- [Startup Cheat Sheet](https://beancount.io/founder-resources/startup-cheat-sheet): Compact, battle-tested playbook for founders covering strategy, distribution, pricing, sales, fundraising, team, operations, moats, and templates.
- [Term Sheet Negotiation: Valuation & Control Terms](https://beancount.io/founder-resources/term-sheet-negotiation): Understanding the intricacies of term sheet negotiations is essential for founders. This guide provides insights into valuation and control terms, enabling you to make informed decisions that shape your startup's future.
- [Terms of Service](https://beancount.io/terms-of-service): Beancount.io Terms of Service: the terms and conditions that govern your use of the plain-text accounting platform, and your rights and responsibilities.
- [The 5 Best Accounting Tools for AI Agents in 2026 (Sourced Workflow Comparison)](https://beancount.io/compare/best-accounting-tools-for-ai-agents): Which accounting tool fits an AI-agent workflow? Beancount.io, Xero, QuickBooks Online, Puzzle and hledger compared on the same seven agent-workflow criteria — installation, authentication, read/write scope, local versus cloud data, preview and validation, structured output, and repeated-import behavior — with dated official sources and one observed end-to-end run.
- [The 6 Best Copilot Money Alternatives in 2026 (Cross-Platform & Free)](https://beancount.io/compare/copilot-alternatives): Comparing Copilot Money to Monarch, YNAB or a free option? Six ranked alternatives — Beancount.io, Monarch Money, Quicken Simplifi, YNAB, Actual Budget and Empower — with prices rechecked September 14, 2026 and a clear answer on platforms, export and who holds your history.
- [The 6 Best Free and Open-Source YNAB Alternatives](https://beancount.io/compare/ynab-alternatives): Looking for a free, open-source or self-hosted YNAB alternative? Six ranked options — Beancount.io, Actual Budget, Monarch Money, EveryDollar, Goodbudget and PocketSmith — with prices checked September 2026 and honest trade-offs on method and data ownership.
- [The 6 Best Mint Alternatives After the Shutdown](https://beancount.io/compare/mint-alternatives): Mint shut down in March 2024 and Intuit moved its users to Credit Karma, which does not budget. Six ranked Mint alternatives — Beancount.io, Monarch Money, YNAB, Actual Budget, Copilot Money and Credit Karma — with real prices checked September 2026 and a clear answer on who owns your data when you leave.
- [The 6 Best Monarch Money Alternatives (Including Free)](https://beancount.io/compare/monarch-alternatives): Searching for a free Monarch Money alternative — or a lower bill after Core hit $99.99/yr and Plus $199.99/yr? Six ranked options — Beancount.io, Actual Budget, Quicken Simplifi, Copilot, YNAB and Empower — with prices checked September 2026 and a clear answer on who holds your history.
- [The 6 Best Personal Capital / Empower Alternatives](https://beancount.io/compare/empower-alternatives): Looking for Personal Capital alternatives after the rename to Empower Personal Dashboard? Six ranked net-worth and investment trackers — Beancount.io, Kubera, ProjectionLab, Sharesight, Monarch Money and Quicken Simplifi — with prices checked September 2026 and no advisory upsell required.
- [The 6 Best QuickBooks Alternatives in 2026 (Free and Paid, Ranked)](https://beancount.io/compare/quickbooks-alternatives): Six ranked QuickBooks alternatives — Beancount.io, Xero, Wave, FreshBooks, Zoho Books and GnuCash — with real prices, trade-offs and accountant acceptance.
- [The 6 Best Quicken Alternatives in 2026 (Desktop and Cloud, Ranked)](https://beancount.io/compare/quicken-alternatives): Quicken went subscription-only, so software people bought once now bills every year. Six ranked Quicken alternatives — Beancount.io, Monarch Money, Moneydance, Actual Budget, Simplifi and YNAB — with real prices and a clear answer on which ones keep your data on your own machine.
- [The Founder's Monthly Legal Compliance Calendar](https://beancount.io/founder-resources/legal-compliance-calendar): A practical checklist for founders to maintain legal compliance each month, ensuring your startup remains attractive for investment and simplifies due diligence.
- [The SEO-Driven Content Marketing Playbook for Founders](https://beancount.io/founder-resources/content-marketing-playbook): Learn how to create an effective content marketing strategy that drives organic growth, attracts qualified traffic, and builds a sustainable competitive advantage for your startup.
- [The Ultimate Startup Formation Checklist](https://beancount.io/founder-resources/startup-formation-checklist): Establish a solid foundation for your startup with this comprehensive checklist, covering essential steps from co-founder alignment to preparing a fundraising-ready data room.

## Docs

- [Documentation](https://beancount.io/docs)
- [Adding First Transaction in UI](https://beancount.io/docs/add-your-first-transaction-ui.md): get-started. Step-by-step guide to recording your first transaction using Beancount.io’s web and mobile interfaces.
- [Beancount CLI quick start](https://beancount.io/docs/Basics/bea-cli.md): get-started. Install the bea command, create a local Beancount ledger, record your first purchase, and check your balances.
- [Your first month with bea](https://beancount.io/docs/Basics/bea-first-month.md): get-started. Open a ledger, record a week of purchases, import a bank export, reconcile to a 3206.81 USD statement, and read the month's reports with bea.
- [Query with SQL](https://beancount.io/docs/Basics/beancount-query-language.md): how-to. Master Beancount Query Language (BQL) for advanced financial data analysis. Learn SQL-like syntax to query and analyze your accounting data.
- [Cheatsheet](https://beancount.io/docs/Basics/cheatsheet.md): reference. Beancount cheatsheet covering account structures, transaction syntax, directives, and practical examples for plain-text accounting.
- [Fava options reference for the Beancount web UI](https://beancount.io/docs/Basics/fava-options.md): reference. Fava configuration options for Beancount ledgers: customize the web UI with fava-option directives in your ledger files.
- [Beancount tutorial: install and first ledger](https://beancount.io/docs/Basics/getting-started.md): get-started. Install Beancount, create your first ledger file, set accounts and options, then validate — a first-success walkthrough.
- [Inventory Management](https://beancount.io/docs/Basics/inventories.md): concept. Track stocks and currencies in Beancount inventories: cost basis, lots, and capital gains for clearer portfolio performance.
- [Options Configuration](https://beancount.io/docs/Basics/options-configuration.md): reference. Configure Beancount with option directives: root account names, imbalance tolerance, and which extensions run on your ledger.
- [Precision & Tolerances](https://beancount.io/docs/Basics/precision.md): concept. How Beancount precision and tolerances keep double-entry books balanced across currencies, fractional shares, and rounding.
- [Beancount syntax reference: directives, accounts, amounts](https://beancount.io/docs/Basics/syntax.md): reference. Beancount language syntax reference: directives, transactions, account naming, tags, metadata, and formatting for plain-text ledgers.
- [Beancount CLI reference](https://beancount.io/docs/bea-cli-reference.md): reference. Find bea commands, options, report behavior, JSON output, exit codes, and fixes for common local-ledger errors.
- [Cash-Flow Roles](https://beancount.io/docs/cash-flow-roles.md): reference. cash-flow-role open metadata: cash, operating, investing, or financing — how the Beancount.io cash-flow report classifies accounts.
- [Beancount community setups, plugins, and workflows](https://beancount.io/docs/community-showcase.md): reference. Browse real Beancount accounting setups from the community: plugins, Fava workflows, GitHub projects, and tailored books.
- [Working Ledger Examples](https://beancount.io/docs/examples.md): reference. Copy six live, validated Beancount ledger patterns: household finances, envelope budgets, freelance invoicing, rental property, crypto, and stock cost basis.
- [Beancount FAQ: Plain-Text Accounting Questions](https://beancount.io/docs/faq.md): faq. FAQ on plain-text accounting with Beancount: imports, debits and credits, multi-currency, cost basis, and Ledger/hledger comparisons.
- [Beancount financial report templates and examples](https://beancount.io/docs/financial-reporting-templates.md): reference. Ready-to-use Beancount templates for income statements, balance sheets, and cash-flow reports — examples for freelancers and small businesses.
- [Glossary](https://beancount.io/docs/glossary.md): reference. Plain-language definitions of Beancount and plain-text accounting terms: accounts, postings, cost basis, booking methods, and more.
- [Help center](https://beancount.io/docs/help-center.md): get-started. Choose a browser or command-line workflow, record your first transactions, import bank exports, and find the Beancount reference you need.
- [Industry-Specific Setups](https://beancount.io/docs/industry-specific-setups.md): how-to. Beancount setups for freelancers, small businesses, and personal finance, with practical account charts and example snippets.
- [What Beancount is: plain-text double-entry books](https://beancount.io/docs/introduction-to-beancount.md): concept. Beancount is plain-text double-entry accounting for stocks, crypto, and everyday books — what it is and why engineers use it.
- [Model a public company in Beancount](https://beancount.io/docs/model-a-public-company-in-beancount.md): how-to. Turn a public company's balance sheet and income statement into a balanced Beancount ledger with Open Ledger conventions and a PepsiCo example.
- [Request Account Deletion](https://beancount.io/docs/request-to-delete-account.md): how-to. Learn the simple steps to request account and data deletion at Beancount.io, ensuring your privacy is respected and your information is handled with care.
- [Accounting with AI agents](https://beancount.io/docs/Solutions/accounting-with-ai-agents.md): how-to. Give an external AI agent two bookkeeping jobs: import a bank CSV with preview-first review, and answer a balance question from BQL and report output.
- [How Beancount and Fava power real-time dashboards](https://beancount.io/docs/Solutions/analytics.md): concept. Beancount and Fava turn plain-text ledgers into live dashboards: queryable balances, charts, and real-time financial analytics.
- [Automate bookkeeping with bea](https://beancount.io/docs/Solutions/automate-bookkeeping-with-bea.md): how-to. Script Beancount books with bea: resolve the ledger, parse JSON with jq, branch on exit codes, and schedule a nightly check.
- [Extend bea ask with skills](https://beancount.io/docs/Solutions/bea-ask-skills.md): how-to. Teach bea ask your conventions with SKILL.md: where a skill lives, which copy wins, required frontmatter, and how to prove it loaded.
- [Track a crypto portfolio with cost basis in Beancount](https://beancount.io/docs/Solutions/cryptocurrency-portfolio-tracking.md): how-to. Track a crypto portfolio in Beancount across exchanges, with cost basis, lots, and performance analysis in one ledger.
- [Import bank exports with the CLI](https://beancount.io/docs/Solutions/import-bank-exports-cli.md): how-to. Import a bank CSV with bea column mappings and rules: preview entries, review duplicates, and apply them to your ledger.
- [Real Estate Investment Tracking](https://beancount.io/docs/Solutions/real-estate-investment-tracking.md): how-to. Track rental property in Beancount.io: mortgages, depreciation, cost basis, and a property sale with depreciation recapture.
- [How Python scripts automate Beancount and Fava](https://beancount.io/docs/Solutions/scriptable-workflows.md): concept. Beancount and Fava stay scriptable: use Python to automate reports, balances, and custom workflows against your ledger.
- [How Beancount keeps books transparent and auditable](https://beancount.io/docs/Solutions/transparent-and-auditable.md): concept. Plain-text Beancount and Fava books stay transparent and auditable: every change is a reviewable file diff you can trace.
- [Use LLMs with Beancount to import, review, and query](https://beancount.io/docs/Solutions/using-llms-to-automate-and-enhance-bookkeeping-with-beancount.md): how-to. Categorize transactions with an LLM, review proposed Beancount entries, validate statement balances, and query your books — cloud or local.
- [Prepare taxes with Beancount country-by-country](https://beancount.io/docs/tax-prep-guides.md): how-to. Use Beancount ledger data for tax reporting and filing in the US, Canada, Germany, the UK, and Australia — Form 1040 and beyond.
- [Amortization](https://beancount.io/docs/Tips/amortize.md): how-to. Learn how to effectively manage amortization in Beancount, allowing you to spread out expenses over time for better financial clarity and management.
- [Budgeting in Beancount](https://beancount.io/docs/Tips/budgets.md): how-to. How to set up and visualize per-account budgets using custom directives in Beancount, with Fava integration.
- [Cryptocurrency Templates and Examples](https://beancount.io/docs/Tips/cryptocurrency-templates-examples.md): reference. Practical Beancount templates and real-world examples for common crypto scenarios including trading, mining, staking, airdrops, and DeFi activities.
- [Filtering and Searching Entries](https://beancount.io/docs/Tips/filtering-and-searching.md): how-to. How to use the filters and search features in the beancount.io web UI to find, analyze, and drill down into your financial data.
- [Forecasting Future Transactions](https://beancount.io/docs/Tips/forecast-plugin.md): how-to. Build a separate, validated Beancount scenario ledger with future-dated income, expenses, and loan payments.
- [Multi-File Support](https://beancount.io/docs/Tips/multi-file-support.md): how-to. Split a Beancount ledger across files with include directives: create, include, rename, and delete files in the editor.
- [Real Estate Templates and Examples](https://beancount.io/docs/Tips/real-estate-templates-examples.md): reference. Beancount templates for real estate: purchase, mortgage, rent, depreciation, capital improvements, and property sale.
- [Share or Embed Your Ledger](https://beancount.io/docs/Tips/share-or-embed-your-ledger.md): how-to. Learn how to share your Beancount ledger with collaborators for editing or embed it on websites for public viewing.
- [Custom Links and Queries](https://beancount.io/docs/Tips/side-bar-link.md): how-to. Learn how to enhance your Beancount experience by implementing custom sidebar links and SQL queries to streamline your financial tracking and reporting.
- [UI Features](https://beancount.io/docs/Tips/ui-features.md): reference. Explore the main features of the beancount.io web interface for editing, querying, uploading documents, and customizing your Beancount workflow.

## Blog

- [Beancount.io Blog](https://beancount.io/blog): Plain-text accounting insights, tutorials, and updates from the Beancount.io team.
- [Venture Debt for Early-Stage Startups: Borrow Runway Without Selling the Company](https://beancount.io/blog/2026/09/21/venture-debt-vs-equity-warrants-covenants-founder-guide): U.S. startups borrowed a record $68.8B of venture debt in 2025. Warrants cost 1-5% dilution, but covenant breaches - not missed payments - trigger most defaults
- [UK Economic Crime Levy 2026: Who Files, What You Pay, and How to Reconcile September](https://beancount.io/blog/2026/09/21/uk-economic-crime-levy-2026-regulated-business-filing-revenue-bands-guide): The UK Economic Crime Levy charges AML-supervised firms with UK revenue above £10.2m from £10,000 to £500,000 — return first, then payment by 30 September.
- [The Short Tax Year: How to File a Stub Return Without Overpaying](https://beancount.io/blog/2026/09/21/short-tax-year-stub-return-annualize-income-section-443-guide): Annualization applies only when you changed accounting periods — IRS Section 443 lets startups and shutdowns figure stub-year tax normally, no scaling up.
- [Pallet Flipping Bookkeeping: Reading Manifests, Costing Mixed Lots, and Keeping Marketplace Fees From Eating Your Margin](https://beancount.io/blog/2026/09/21/pallet-flipping-liquidation-resale-bookkeeping-manifests-cogs-fees-guide): Manifest math for pallet flippers: allocate landed cost per item, stack eBay and Amazon fees before you bid, and reconcile gross IRS 1099-K totals to deposits.
- [The October 15 Countdown: An Extended Filer's 2026 Guide to Penalties, Safe Harbors, and Last-Chance SEP-IRA Funding](https://beancount.io/blog/2026/09/21/october-15-extended-filer-countdown-penalties-safe-harbor-sep-ira-guide): File by October 15 and the IRS failure-to-file penalty — 5% a month, ten times the failure-to-pay rate — stops; it is also the last day to fund a 2025 SEP-IRA.
- [Kentucky Scrapped the 200-Transaction Nexus Test and Taxed Data Brokering](https://beancount.io/blog/2026/09/21/kentucky-hb757-data-brokering-sales-tax-nexus-repeal-guide): Kentucky HB 757 repealed the 200-transaction nexus test and made data brokering taxable at 6% on August 1, 2026 — re-test nexus before cancelling a permit.
- [The Federal Bonding Program: Free $5,000–$25,000 Fidelity Bonds for Hiring At-Risk Workers](https://beancount.io/blog/2026/09/21/federal-bonding-program-free-fidelity-bonds-at-risk-hires-guide): The US Federal Bonding Program issues free $5,000–$25,000 fidelity bonds covering an at-risk hire's first six months — no premium, no deductible.
- [Chronic Care Management Billing: The Between-Visit Revenue Your Small Practice Is Leaving Behind](https://beancount.io/blog/2026/09/21/chronic-care-management-billing-small-practices-cpt-99490-guide): Medicare pays roughly $65 per patient per month for CPT 99490, but only after documented consent, an initiating visit, and an electronic care plan are in place.
- [The Workers' Comp Ghost Policy: A COI With No Employees to Cover](https://beancount.io/blog/2026/09/20/workers-comp-ghost-policy-owner-only-contractor-coi-guide): A workers' comp ghost policy covers nobody — it buys the COI a general contractor demands for $750–$1,200 a year. Who qualifies, and what the audit checks.
- [Your Trademark Registration Expires If You Ignore It: The Section 8, Section 9, and Section 15 Filings Every Owner Must Calendar](https://beancount.io/blog/2026/09/20/trademark-registration-maintenance-section-8-9-15-guide): Your trademark needs a Section 8 filing between years 5–6 and a combined Section 8/9 renewal every decade — miss the grace period and the USPTO cancels it.
- [Tap to Pay on iPhone and Android: Take Cards With No Terminal — and What It Really Costs](https://beancount.io/blog/2026/09/20/tap-to-pay-iphone-android-no-terminal-merchant-cost-guide): Tap to Pay skips the $59 reader but still pays 2.6–2.7% card-present rates; a per-tap surcharge and the IRS 1099-K decide whether phone-only actually wins.
- [No Federal Mandate, Five State Ones: Health Insurance Penalties in CA, MA, NJ, RI, and D.C.](https://beancount.io/blog/2026/09/20/state-individual-health-insurance-mandate-penalties-employer-reporting-guide): No federal penalty ($0), but CA, MA, NJ, RI, and D.C. still charge $300–$4,908 per person — plus separate state employer filings.
- [What Startup Employees Should Know Before Selling Stock in a 2026 Tender Offer](https://beancount.io/blog/2026/09/20/startup-employee-tender-offer-selling-private-stock-guide): A tender offer's ISO disqualifying-disposition income lands on your W-2 with no federal withholding — plan US estimated taxes before the window closes.
- [How Sports Betting Winnings Are Taxed: W-2G Thresholds, the Session Method, and State Taxes on Out-of-State Bets](https://beancount.io/blog/2026/09/20/sports-betting-taxes-w2g-thresholds-session-method-state-taxes-guide): W-2Gs report single wagers, not net profit. IRS lets you net wins per session, deduct losses only if you itemize under the 90% cap, and file where you bet.
- [Self-Employment Tax Pricing: How to Build the 15.3% Into Your Rates](https://beancount.io/blog/2026/09/20/self-employment-tax-pricing-build-se-tax-into-rates-guide): US self-employment tax is 15.3% on 92.35% of net profit — about 14.1% effective. Price it in with a five-step rate formula, not salary divided by 2,080.
- [Romania's E-Invoicing Clock Just Changed: What the 5-Working-Day RO e-Factura Deadline Means for Cross-Border Sellers](https://beancount.io/blog/2026/09/20/romania-e-factura-5-working-days-deadline-cross-border-sellers-guide): Romania's RO e-Factura deadline is now five working days, and non-resident VAT-registered sellers are explicitly in scope — with 15% penalties on both sides.
- [Pet Deposits vs. Pet Rent vs. Pet Fees: What You Can Actually Charge](https://beancount.io/blog/2026/09/20/pet-deposits-pet-rent-pet-fees-landlord-charges-state-caps-guide): Pet deposits are refundable and often capped; pet fees and pet rent are Schedule E income when received — IRS Pub 527 rules, state caps, and how to book each.
- [OFCCP's Section 503 Final Rule Takes Effect September 21, 2026: What Federal Contractors Must Strip From Their AAPs](https://beancount.io/blog/2026/09/20/ofccp-section-503-final-rule-self-id-utilization-goal-guide): OFCCP's Section 503 final rule takes effect September 21, 2026: Form CC-305, the 7% utilization goal and disability data collection end — the written AAP stays.
- [Montana's Homestead Property Tax Phase-In: Why Your Business Could Pay More in 2026](https://beancount.io/blog/2026/09/20/montana-homestead-property-tax-phasein-commercial-burden-guide): Montana's 2026 commercial rate drops to 1.50% below $2.27M, yet floating mills can still raise your bill — verify homestead and rental enrollment first.
- [Mobile Mechanic Bookkeeping: Van Build-Out vs. Lease, Parts Markup, and Pricing the Trip Charge](https://beancount.io/blog/2026/09/20/mobile-mechanic-service-van-buildout-lease-parts-markup-fleet-trip-charge-guide): A $125 posted labor rate falls to $94 once drive time counts. Price the trip charge by zone, tier parts markup, and claim Section 179 on a 6,000-lb van.

## Bean Labs Research Log

- [Bean Labs Research Log](https://beancount.io/bean-labs/research-logs): Open experiments and findings from Bean Labs — the Finance AI Agent research initiative by Beancount.io.
- [Can your agent balance these books?](https://beancount.io/bean-labs/research-logs/2026/09/10/can-your-agent-balance-these-books): A synthetic three-row Beancount challenge with an independently derived answer — checking ends at 2958.50 USD, September profit at 1958.50 USD — completed by one recorded agent run with its failures kept in the transcript.
- [FinRAGBench-V: Multimodal RAG with Visual Citations in the Financial Domain](https://beancount.io/bean-labs/research-logs/2026/07/12/finragbench-v-multimodal-rag-visual-citation-financial-domain): FinRAGBench-V (EMNLP 2025) is the first large-scale benchmark for multimodal RAG with visual citations in finance, covering 112K+ document pages and 1,394 human-annotated QA pairs. Top models achieve only 20–61% block-level citation recall, and multimodal retrieval outperforms text-only by nearly 50 percentage points.
- [Can LLM Agents Be CFOs? EnterpriseArena's 132-Month Simulation Reveals a Wide Gap](https://beancount.io/bean-labs/research-logs/2026/07/11/can-llm-agents-be-cfos-enterprisearena-resource-allocation-benchmark): EnterpriseArena runs 11 LLMs through a 132-month CFO simulation tracking survival, terminal valuation, and book-closing rates. Only Qwen3.5-9B survives 80% of runs; GPT-5.4 and DeepSeek-V3.1 hit 0%. Human experts achieve 100% survival at 5× the terminal value. The critical bottleneck: LLMs skip ledger reconciliation 80% of the time, acting on stale financial state.
- [WildToolBench: Why No LLM Exceeds 15% Session Accuracy in Real-World Tool Use](https://beancount.io/bean-labs/research-logs/2026/07/10/wildtoolbench-benchmarking-llm-tool-use-in-the-wild): WildToolBench (ICLR 2026) evaluates 57 LLMs on 1,024 tasks drawn from real user behavior — no model exceeds 15% session accuracy, with compositional orchestration, hidden intent, and instruction transitions as the three sharpest failure modes.
- [LLM Confidence and Calibration: A Survey of What the Research Actually Shows](https://beancount.io/bean-labs/research-logs/2026/07/09/confidence-estimation-calibration-llms-survey): A systematic survey of LLM confidence estimation and calibration methods—white-box logit approaches, consistency-based SelfCheckGPT, and semantic entropy—reveals that verbalized confidence scores from GPT-4 achieve only ~62.7% AUROC, barely above chance, with direct implications for deploying uncertainty-aware agents in finance and accounting.
- [JSONSchemaBench: Real-World Schema Complexity Breaks LLM Structured Output Guarantees](https://beancount.io/bean-labs/research-logs/2026/07/08/jsonschemabench-structured-outputs-language-models): JSONSchemaBench tests 9,558 real-world JSON schemas against six constrained decoding frameworks and finds that schema complexity causes coverage to collapse from 86% on simple schemas to 3% on complex ones, with XGrammar silently emitting 38 non-compliant outputs and no framework covering all 45 JSON Schema feature categories.
- [FinMCP-Bench: Benchmarking LLM Agents for Real-World Financial Tool Use under MCP](https://beancount.io/bean-labs/research-logs/2026/07/07/finmcp-bench-llm-agents-financial-tool-use-model-context-protocol): FinMCP-Bench evaluates six LLM models on 613 real-world financial tool-use tasks backed by 65 MCP servers — the best model scores 3.08% exact match on multi-turn tasks, revealing a 20× performance collapse from single-tool to multi-turn scenarios.
- [FinTrace: Trajectory-Level Evaluation of LLM Tool Calling for Financial Tasks](https://beancount.io/bean-labs/research-logs/2026/07/06/fintrace-trajectory-level-evaluation-llm-tool-calling-financial-tasks): FinTrace benchmarks 13 LLMs on 800 expert-annotated financial task trajectories across 9 metrics, finding that frontier models achieve strong tool selection (F1 ~0.9) but score only 3.23/5 on information utilization — the step where agents reason over what tools return.
- [FinToolBench: Evaluating LLM Agents on Real-World Financial Tool Use](https://beancount.io/bean-labs/research-logs/2026/07/05/fintoolbench-evaluating-llm-agents-real-world-financial-tool-use): FinToolBench pairs 760 live financial API tools with 295 executable queries to benchmark LLM agents on real financial tasks — revealing that GPT-4o's conservative 22.7% invocation rate yields higher answer quality (CSS 0.670) than Qwen3-8B's aggressive 87.1% TIR, while intent mismatch exceeds 50% across every model tested.
- [OmniEval: Omnidirectional RAG Evaluation Benchmark for the Financial Domain](https://beancount.io/bean-labs/research-logs/2026/07/04/omnieval-omnidirectional-automatic-rag-evaluation-financial-domain): OmniEval (EMNLP 2025) benchmarks RAG systems across 5 task types × 16 financial topics using 11.4k auto-generated test cases. The best systems achieve only 36% numerical accuracy — concrete evidence that RAG pipelines need validation layers before writing to structured financial ledgers.
- [LLM Anomaly Detection Survey (NAACL 2025): Strong Taxonomy, Absent Tabular Coverage](https://beancount.io/bean-labs/research-logs/2026/07/03/llm-anomaly-ood-detection-survey): A critical reading of Xu and Ding's NAACL 2025 survey on LLM-based anomaly and OOD detection: the detection-vs-generation taxonomy holds up, but near-total absence of tabular coverage means financial AI practitioners must synthesize insights from vision models themselves.
- [Found in the Middle: Calibrating Positional Attention Bias Improves Long-Context RAG](https://beancount.io/bean-labs/research-logs/2026/07/02/found-in-the-middle-calibrating-positional-attention-bias): A training-free inference-time calibration subtracts positional bias from LLM attention weights, recovering up to 15 percentage points of RAG accuracy when retrieved documents are buried mid-context — and what it means for finance-specific agent pipelines.
- [Uncertainty-Aware Deferral for LLM Agents: When to Escalate from Small to Large Models](https://beancount.io/bean-labs/research-logs/2026/07/01/redact-uncertainty-aware-deferral-llm-agents): ReDAct runs a small model by default and escalates to an expensive model only when token-level perplexity signals uncertainty, achieving 64% cost savings over GPT-5.2-only while matching or exceeding its accuracy — a directly applicable pattern for Beancount transaction-categorization agents.
- [OpenHands: Open Platform for AI Software Agents and What It Means for Finance Automation](https://beancount.io/bean-labs/research-logs/2026/06/30/openhands-open-platform-ai-software-developers-generalist-agents): OpenHands is an MIT-licensed, Docker-sandboxed agent platform where CodeAct achieves 26% on SWE-Bench Lite — a sobering benchmark that establishes what AI agents can reliably do today, and why the first productive finance deployments should be tightly scoped rather than autonomous.
- [Fin-RATE: How LLMs Fail at Cross-Period and Cross-Entity Financial Analysis](https://beancount.io/bean-labs/research-logs/2026/06/29/fin-rate-real-world-financial-analytics-tracking-evaluation-benchmark): Fin-RATE benchmarks 17 LLMs on 7,500 expert-curated QA pairs from 2,472 SEC filings, revealing an 18.60% accuracy collapse under longitudinal tracking and a 54-point drop for finance-specialized Fin-R1 on cross-entity tasks — with the retrieval pipeline, not the backbone model, as the binding bottleneck.
- [FinDER: Real Analyst Queries Expose a 74% Recall Gap in Financial RAG](https://beancount.io/bean-labs/research-logs/2026/06/28/finder-financial-dataset-rag-evaluation): FinDER benchmarks RAG on 5,703 real hedge fund analyst queries against S&P 500 10-K filings; E5-Mistral achieves only 25.95% context recall, and abbreviation-heavy queries cost 8.2 precision points — evidence that query normalization, not better embeddings, is the first fix for finance AI pipelines.
- [Lost in the Middle: Position Bias in LLMs and Its Impact on Finance AI](https://beancount.io/bean-labs/research-logs/2026/06/27/lost-in-the-middle-language-models-long-contexts): The TACL 2024 paper by Liu et al. shows LLMs perform up to 20 points worse on information buried in the middle of long contexts — a U-shaped degradation affecting every tested model including Claude-1.3-100K — with concrete implications for how RAG pipelines should order retrieved passages in finance and accounting applications.
- [AD-LLM Benchmark: GPT-4o Hits 0.93+ AUROC Zero-Shot for Text Anomaly Detection](https://beancount.io/bean-labs/research-logs/2026/06/26/ad-llm-benchmarking-llms-anomaly-detection): AD-LLM benchmarks GPT-4o and Llama 3.1 8B across three anomaly detection roles — zero-shot detector, data augmenter, and model selector — on five NLP datasets; GPT-4o reaches AUROC 0.93–0.99 zero-shot, but LLM-based model selection remains unreliable, with direct implications for financial audit AI.
- [CausalTAD: Causal Column Ordering for LLM Tabular Anomaly Detection](https://beancount.io/bean-labs/research-logs/2026/06/25/causaltad-causal-knowledge-llm-tabular-anomaly-detection): CausalTAD improves LLM-based tabular anomaly detection by reordering table columns to respect causal dependencies before serialization, lifting average AUC-ROC from 0.803 to 0.834 over AnoLLM on mixed-type benchmarks — with direct implications for detecting anomalies in structured ledger data.
- [AnoLLM: Fine-Tuning LLMs for Tabular Anomaly Detection in Financial Data](https://beancount.io/bean-labs/research-logs/2026/06/24/anollm-llm-fine-tuning-tabular-anomaly-detection): AnoLLM (ICLR 2025) reformulates tabular anomaly detection as LLM density estimation — fine-tuning on normal rows and scoring by negative log-likelihood. It outperforms classical methods on mixed-type fraud datasets but offers no edge on purely numerical data, with real implications for detecting anomalies in Beancount ledger entries.

## Feeds

- [Beancount.io Blog RSS](https://beancount.io/blog/rss.xml): RSS 2.0 feed
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- [Beancount.io Changelog RSS](https://beancount.io/changelog/rss.xml): RSS 2.0 feed
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