Welcome to Marginmoth: bookkeeping that actually closes the month.
Why we built a $79/month fractional-CFO service for sole proprietors, and what to expect from your first month under Marginmoth.
If you earn between $50K and $500K as a solo consultant or tiny agency, you have been quietly squeezed out of the bookkeeping market over the last two years. Intuit sunsetted QuickBooks Self-Employed. Botkeeper shut down. The fully-ai bookkeeping pitches that replaced them promise a lot and produce a close your CPA wont sign off on. And the marginal-CFO shops that pick up the slack start at $249/month, which is more than a lot of solo operators pay themselves in a quarter.
Marginmoth lands in the gap. We charge $79 a month for always-on bookkeeping that lands a monthly close a licensed bookkeeper has signed off on. Nightly bank and card sweeps. Auto-categorization with a confidence score on every line so you can audit the borderline ones in minutes. Polite-but-firm invoice chasing on a day-0/7/14 cadence. A continuous 30/60/90-day cash-flow projection with shortfall and tax-reserve warnings. And a plain-English P&L in your inbox on the first of the month.
This blog is where we write about the work: how we decide what the agent is allowed to auto-categorize, what a month-end close actually looks like, why we still believe a human bookkeeper matters, and where AI bookkeeping is going next. Posts are short, in plain English, and written by people who close books for a living. Subscribe via the RSS in /sitemap.xml, or just check back.