Marginmoth

The fractional CFO your accountant never had time to be.

Always-on bookkeeping for solo consultants and tiny agencies earning $50K–$500K. Nightly reconciliation, intelligent categorization, invoice follow-ups, and cash-flow forecasts that warn you 30–90 days before trouble hits.

Start with $79/moSee how it works
Price
$79/mo
Vs. hybrid shops
$170/mo less
Reviewed monthly
By a licensed bookkeeper

cash-flow · last 30 days

live

In

$18,420

Out

$9,116

Net 30 days

+$9,304

+47 days of runway · tax reserve at $4,650

  • Stripe · Acme Inc · Invoice 1042

    Software revenue · auto-categorized

    98% confident
    +$3,200.00

  • AWS · February usage

    Hosting · auto-categorized

    92% confident
    −$312.40

  • Lumen Studio · Invoice 1041

    12 days overdue · reminder queued

    overdue
    +$1,450.00

How it works

Six steps, every month, fully on autopilot.

You link accounts once. The agent runs the night shift; the bookkeeper signs off on the month-end close.

  1. 1

    Link accounts

    Bank, card, Stripe / PayPal

  2. 2

    Nightly sweep

    Transactions arrive by 6am local

  3. 3

    Auto-categorize

    With a confidence score per line

  4. 4

    Chase invoices

    Polite-but-firm reminders, on schedule

  5. 5

    Project cash

    A live 30-to-90-day runway

  6. 6

    Month-end close

    Reviewed by a licensed bookkeeper

What it does

The work a fractional CFO does, for solo operators, at $79.

Not a passive ledger. An agent that watches transactions, scores its own work, chases what’s owed, and forecasts the next quarter.

Auto-categorization

surfaces under 90%

Every line gets a confidence score. Doubtful ones get flagged, not guessed.

  • Stripe · Northwind

    Software revenue

    98%

  • Notion subscription

    Software · SaaS

    96%

  • Uber Eats

    Meals & entertainment

    88%

  • WeWork

    Office rent

    99%

  • Lyft · to client offsite

    Travel

    84%

Anything below your threshold lands in a review queue. It is never silently re-classified.

Invoice chasing

runs at 9am local

Polite-but-firm reminders that never sleep, and never get personal.

automated · day 0to Lumen Studio

Quick reminder that invoice 1041 for $1,450.00 is due today. Payment link attached. Thanks for your time on the engagement.

automated · day 7escalation

Following up. Invoice 1041 is now 7 days past due. Could you confirm a payment date this week, or flag anything I should know?

automated · day 14final notice

Last note on invoice 1041 before I escalate to weekly cadence. Happy to jump on a 5-minute call if something is off on your end.

Open invoices

Cash-flow projection

30 / 60 / 90 day

A continuous forward look, with a 30-to-90-day shortfall warning before trouble hits.

30d

$34.6k

60d

$28.1k

90d

$19.4k

Heads-up: at the 90-day mark, the tax reserve ($4,650) is short of the April 15 estimate by roughly $1,820.

Suggested moves: accelerate the Lumen Studio receivable, or move $200/wk from the operating account into the reserve.

Where it fits

Built for the 20 million sole props left behind.

Intuit sunsetted QuickBooks Self-Employed. Then Botkeeper went dark. The $50K–$500K tier got squeezed between Wave (free, dumb) and full fractional shops ($249/mo). Marginmoth lands in the gap.

  • Bookkeeper-quality books, not a spreadsheet.
  • CFO-quality forward signals, not just historical reports.
  • A chasing agent that never sleeps, on every overdue invoice.
  • QuickBooks Self-Employed (discontinued 2024)
  • Botkeeper (shut down 2024)
  • Pure-AI bookkeeping (no human review)
  • Fractional CFO shops ($249+/mo)
    Overkill
  • Marginmoth: AI agent and licensed bookkeeper
    You

Pricing

One plan. One price.

Less than a single hour of a bookkeeper’s time. Less than a quarterly tax consult. Always-on; cancel anytime.

Always-on fractional-CFO bookkeeping

$79/mo

billed monthly · no setup fee

Start with Marginmoth

Cancel anytime · billed monthly through our payment partner. Any question, just email marginmoth@polsia.app.

Included

  • Bank, credit card, Stripe, PayPal integrations
  • Nightly sweeps + auto-categorization with confidence scores
  • Overdue-invoice chasing on a polite-but-firm cadence
  • Continuous 30 / 60 / 90-day cash-flow projection
  • Shortfall + tax-reserve warnings before trouble hits
  • Month-end close reviewed by a licensed bookkeeper
  • Plain-English monthly P&L delivered to your inbox

Why $79

Below the staffing bill of a Bench or Pilot. Above the foot-gun tier of “AI-only” bookkeeping.

Haven
$249 vs. $79
Tukel
$179 vs. $79
QuickBooks Online
Built for SMBs with staff, not for you.
Wave
Free, but it doesn’t follow up on overdue invoices.

FAQ

Questions solo operators ask first.

If yours isn’t here, just email marginmoth@polsia.app.

Get started

Bookkeeper-quality books. CFO-quality signals. $79/month.

Email us and we’ll send a one-page checklist + a 20-minute walkthrough of your specific situation. No sales pressure, no auto-drip, just a reply from a human.

Email marginmoth@polsia.app

or call back via marginmoth@polsia.app