Books that keep themselves. And a real accountant when it matters.
Upload whatever the bank and your suppliers sent you. Zympli reads it, builds your ledger, and tells you in plain English what it did and what's missing — no chart of accounts required. And when a question needs a registered accountant, it hands them your file already prepared.
BankStatement_Mar2026.pdf
✓ 247 transactions extracted
AI Classification
Woolworths
Groceries
AGL Energy
Utilities
Transfer ref: 29482
Review needed
Westpac Fee
Bank Charges
The shoebox never gets smaller on its own
Accounting software hands you a chart of accounts and expects you to code transactions. Most owners can't — so they don't, or they do it wrong, and it all lands on one bad week in July.
How it goes now
- Statements pile up in an inbox folder you'll deal with later
- Receipts live in the glovebox, the wallet, and a drawer
- A spreadsheet nobody quite trusts, updated in a panic
- You find out what you owe when someone else tells you
- The accountant asks for the whole year at once, in July
- Questions you never ask, because asking costs money
With Zympli
- Forward what arrived — it's read the same day it lands
- Photograph the receipt; it files itself against an account
- A real ledger, built from the documents themselves
- See what's classified and what's still missing, right now
- The year is largely closed before it's due
- Ask about your own books whenever you want, at no cost
"Producing and understanding a ledger should not require knowing accounting."
From a bank statement to a ledger you can stand behind
Five steps, all of them running in production today. The machine does the mechanical part, a person confirms the rest, and every decision keeps a record of what made it.
Upload any document
Drag any bank statement or financial document into the set of books it belongs to. PDF bank statements (Westpac, ANZ, CBA, NAB and more), CSV and Excel exports, and manual bank feeds.
- PDF bank statements from all major Australian banks
- CSV and XLSX exports from accounting software
- As many documents per period as you have
- Secure upload — files stored in Australian data infrastructure
Rules engine runs first
Your custom rules — vendor patterns, GST mappings, drawings sweeps — are applied to every transaction before the AI is involved. The more rules you configure, the less the AI has to do.
- Vendor-name pattern matching (e.g. 'Woolworths' → Groceries)
- GST rules: year-aware, configurable rates
- Drawings sweep rule for sole traders
- Rules belong to a set of books — editable at any time
AI classifies the rest
Any transaction not matched by a rule is sent to our LLM classification engine. It returns a category suggestion, a confidence score, and visible reasoning — so you always know why it made that call.
- Hybrid rules → LLM pipeline (not LLM alone)
- Confidence score per transaction
- Reasoning text — see why the AI classified it that way
- Similar-transaction lookup (RAG) for context
You review and approve
Low-confidence or flagged transactions land in your Review queue. You confirm, correct, or override each one. Your decision is recorded as the authoritative classification — and the model learns from it.
- Review queue shows only what needs your attention
- One-click confirm or manual override
- HUMAN > RULE > AI precedence — always
- Every decision appended to the immutable audit log
Reports generated instantly
Once all transactions for a period are confirmed, your financial reports are generated automatically — Income Statement, Balance Sheet, General Ledger, and Trial Balance, ready to share with your client.
- Income Statement (P&L)
- Balance Sheet
- General Ledger + GL Detail
- Trial Balance
Free is a plan, not a trial
No card, no expiry, no countdown. What it holds back is the AI and sharing your books with an accountant — everything else works.
No card, no expiry. A real sole trader's quarter.
- 100 transactions a month
- 20 documents a month
- Manual classification
- Review queue and audit log
For a business that has stopped keeping up by hand.
- 5,000 transactions a month
- 200 documents a month
- AI classification and extraction
- Up to 3 collaborators
Maximum power for one business.
- 50,000 transactions a month
- Full AI suite
- Up to 10 collaborators
- Priority support
AUD, around 20% off annually. Custom and Enterprise are arranged directly — full comparison on Products.
Ask it about your own numbers
Not a chat box bolted to the side. It reads the ledger it built, answers from the documents behind it, and asks you for the ones it is missing.
- The exchange that matters is the rule: correct a coding once and 31 past purchases recode with it. It never asks again.
- It is the only moment that shows the product getting better because you used it.
- None of this is built yet. The engine underneath it is.
What did materials cost me this quarter?
$42,180 across the quarter, up 18% on the one before.
Supplies and materials · this quarter
Which supplier is most of it?
Bunnings, $16,940 over 31 purchases. Next is Reece at $8,210.
Where the quarter went
Anything on the Henderson job without an invoice?
Four payments, $3,120 all up. Three are Bunnings, one is a $980 transfer with no reference.
Ask Dave for those.
Asked Dave for the four. I'll match them when they land.
4 documents requested
awaiting Dave
Bunnings is always materials. Don't ask me again.
Done — and the rule runs before the model from now on.
Rule saved · Bunnings → Supplies and Materials
31 past purchases recoded
Can I claim the ute?
I can show you what the published guidance says — but not how it applies to you. That's a registered accountant's call.
Send to a registered accountant
Your file goes with it, already prepared
Where it stops — and why that's the point
Zympli will tell you what your books say. It will not tell you how tax applies to you. In Australia that line is the law, not a preference — and a disclaimer at the bottom of a screen does not move it.
What it will answer
Facts about your own books — what you spent on materials last quarter, which invoices are still open, what is missing before you can close the year. And what published guidance says, with the source attached.
Information
“GST on entertainment is generally not claimable — here is the guidance.”
That is information. It is defensible, and it is deliberately capped in value.
What it will do instead of guessing
For anything that turns on how a rule applies to your circumstances, it will prepare the entire position — the treatment, the reasoning, the citation, and the exact transactions it affects — and send it to a registered accountant.
Advice — never from the agent
“You can't claim this one.”
That answer will not reach you until a registered accountant has confirmed or corrected it, and signed it.
“This needs to be validated by an accountant” stops being a warning and becomes a price tag.
The moment the product has to stop is the moment it can hand you someone who doesn't. Not a name from a directory to go and chase — an accountant opening a file that is already built, classified and auditable, with the one part that needs their registration marked.
None of this is in the product yet. The engine that prepares the file is running today; the accountant on the other end of it is what we are building next. Before it opens we will say plainly what it costs, who carries the registration, and who you are contracting with.
What it doesn't do
Worth two minutes now rather than a wasted afternoon later.
It doesn't lodge
Zympli produces books. Your BAS and your return are lodged elsewhere, by you or by an agent.
No payroll
Not in the product and not planned. It touches none of the engine.
No payments
It reads what left your account. It never moves money.
Xero import isn't live
The page exists; the connection behind it does not. Treat it as coming, not as working.
Australia only
AUD, a June financial year, Australian bank formats and account templates. A generic global product would serve you worse.
Get the books off your desk
Early access is open to Australian businesses keeping their own books. Tell us where you are and we'll come to you when your side is ready.
Built in Sydney · Australian data infrastructure · No lock-in