Services | LedgerLift

Automated · free with every plan

Stop paying for bookkeeping.

Nobody wants to do bookkeeping, and most of it is the same transactions coded the same way every month. So we automate it. AI captures your bills and receipts, codes them and matches your accounts in your Xero, every week, and a person handles anything it can't. It costs us little, so it costs you nothing. You pay only for the work that takes judgement: the close, the numbers and the decisions.

Bills and receipts captured and coded automatically, every week
Bank, card and payment-platform accounts matched automatically
Anything the automation can't handle goes to a person, never guessed
Checked at every review, so it doesn't drift

Bookkeepers typically charge a small business $600 to $1,200 a month

with any plan, from the $167 Check‑in. You pay for Xero; we don't charge for the bookkeeping.

Get your free Health Check

Market range for small businesses with 50 to 200 transactions a month, from Xero's and Digit's 2026 bookkeeping cost guides. GST settings are agreed with your registered BAS or tax agent before anything goes live; BAS stays with them and payroll with your payroll provider. Payment runs, debtor chasing and supplier queries are Finance admin, quoted on your volume.

1 · Embedded Finance

Your finance function on a monthly rhythm

Think of us as part of your team: in your Xero, on your calendar, and on the call every month. The finance people you need, without the hire. One retainer, a scope you choose, an hours envelope we plan for (reviewed at day 60 and each quarter), and a written list of what lands on your desk and when. A named lead answers for the engagement, a LedgerLift accountant prepares the month on our method under the lead's review, and Jared's CFO judgement comes in where the scope includes it.

	Close and Report from $2,500 / month	Plan and Cash from $4,000 / month	CFO from $5,500 / month
Month-end closeThe month closed, every balance proven, signed
Your bookkeeper's month reviewed for the management accounts: coding, cut-off, missing documents (GST treatment stays with your BAS agent)	✓	✓	✓
Month-end journals: accruals, prepayments, depreciation, payroll and leave	✓	✓	✓
Every material balance reconciled and proven; entities consolidated where you run more than one	✓	✓	✓
A record of the month's checks: what was reconciled, the journals posted, and any open items	✓	✓	✓
Payroll tax and super accruals reconciled to lodgements each quarter	✓	✓	✓
ReportingWhat lands on your desk, and when
Management pack by working day 10, in plain language	✓	✓	✓
45-minute review call each month	✓	✓	✓
KPI scorecard: site and practitioner P&Ls, utilisation, margin by service line	—	✓	✓
Budget variance commentary and a board-ready pack	—	✓	✓
Lender and investor reporting on their calendar; board attendance	—	—	✓
Cash and forecastingWhere the cash will be, before it's a problem
13-week cash forecast and runway, refreshed monthly	—	✓	✓
Annual budget and quarterly reforecast: integrated P&L, balance sheet and cash	—	✓	✓
Owner and CFOThe decisions, with the numbers behind them
Decision support on request: the next site, hire, price change, lease or contract	—	—	✓
Incentive and commission schemes calculated	—	—	✓
Quarterly strategy session	—	—	✓
Owner Review each quarter: what you can take out, and when	add-on, $500 / month, billed quarterly	add-on, $500 / month, billed quarterly	✓
Year end and the restKept simple
Year-end file handed to your accountant	✓	✓	✓
Bookkeeping: bills and receipts captured and coded, accounts reconciled weekly	✓	✓	✓
Finance admin: payment runs, debtor chasing, supplier queries	quoted on your volume	quoted on your volume	quoted on your volume
Hours we plan for, each month	12 to 20	20 to 30	30 to 40

Every month

Your pack, page one

Revenue, profit and cash at a glance; what changed and why; what to decide this month; profit by site, job or service line; and your cash for the next 13 weeks. In plain language, by working day 10, with a call to walk through it.

Behind it, the month is closed and checked: every material balance reconciled, the journals posted, and any open items listed with an owner and a date, as at the time stated. It is an internal management check, not an audit or review.

Sample monthly pack, page one: revenue, profit and cash, what changed and why, what to decide, profit by site, 13-week cash

How it's bought

On time or half price: your pack by working day 10, or that month's fee is halved (as long as your inputs arrive by the agreed dates)
Your first month is on us if it doesn't earn its fee: after your first pack and call, tell us within 7 days it wasn't worth it and you don't pay for that month (or that quarter, on a quarterly plan). Same condition: your inputs arrived on time
Fixed monthly fee for the agreed scope, invoiced monthly
Three-month minimum, then month to month, 30 days' notice either way
Included in your first three months: the top three priorities from your Health Check fixed at no extra cost (a project in its own right, like rebuilding years of records, is quoted first)
No set-up fee, and bookkeeping is included free with any plan. Your first pack within 30 days of starting; your part is read-only access, your bookkeeper's usual work and 45 minutes a month
Referral reward: Refer a business that becomes a client and you both get half a month's fee off.
Scopes step up or down at any quarterly review
Work outside scope is quoted first, or billed at the on-demand rates

Bookkeeping, automated and included

$0 with any plan (bookkeepers typically charge $600 to $1,200 a month)

Bills and receipts captured and coded automatically every week, with AI
Bank, card and payment-platform accounts matched automatically
Money received matched to your sales invoices
Anything the automation can't handle goes to a person, never guessed

From the $167 Check-in up. You pay for Xero. GST settings are agreed with your registered BAS or tax agent before anything goes live; they prepare and lodge your BAS, and payroll stays with your payroll provider.

Finance admin

From $500 + GST / month, quoted on your volume

The jobs around the books that need a person, if you'd rather not do them yourselves.

Payment runs prepared for you to release. We never hold your money
Debtors chased on an agreed script; supplier queries handled
Sales invoices raised on your instructions
Payroll journals from your payroll provider's reports; pays and STP stay with them

Start smaller

Not ready for a monthly close? Start lighter.

Start with a quarterly check-in on your Financial Fitness Score, or, if your bookkeeper keeps clean books, let us read them for you: a pack that says what changed and why, and a call to walk through it. Step up to the full close whenever you're ready, without re-onboarding. Either way, bookkeeping is included free.

Quarterly Check-in

Lightest start

$167 + GST / month, billed quarterly ($500 a quarter)

Your Financial Health Check rerun on your Xero file every quarter, so you can see your score move
The one-page snapshot: your score, your top three priorities and what each is costing you
20-minute call to walk through it
No lock-in: quarter to quarter

Quarterly Report

$500 + GST / month, billed quarterly

A management pack each quarter: P&L, balance sheet, cash, what changed and why
13-week cash forecast refreshed each quarter
45-minute review call
Pack by working day 15 after the quarter, or half that quarter's fee
Two quarters minimum, then quarter to quarter

Monthly Report

From $1,000 + GST / month

A management pack by working day 10, in plain language
30-minute review call each month
Pack by working day 10, or that month's fee is halved
Three-month minimum, then month to month

Both report on your books as your bookkeeper keeps them; they don't include the close or the reconciliations. If the free Health Check finds the books need work first, we'll say so and suggest Close and Report instead.

The Owner Review

What can I take out of this business, and when?

The question nobody answers for you until year end, through a tax lens, after the fact. The Owner Review answers it every quarter, before the decision.

Working-capital position against the buffer your policy sets
Dividend-capacity test against every condition in your policy, with the date and the evidence
What the business can afford to pay you next quarter, as cash
The solvency position for the directors' minutes (the declaration is theirs); guarantees and covenants updated
One page the directors sign

Set up once with a Policy Setup: $1,500 + GST, free when you commit to the Owner Review for 12 months (if it ends sooner, the unused part of the $1,500 is payable) (a full custom build for complex groups is $3,500). Then $500 + GST a month, billed quarterly; included in the CFO scope. New to the idea? Read the free guide. We calculate whether your own policy's tests are met and show the solvency position; the directors decide, and your tax agent handles franking and the tax treatment. We don't recommend investment products or institutions.

Sample paper

An anonymised, illustrative Dividend Policy Review shows the format: the executive summary, the earnings and working-capital positions, the three conditions tested across four quarters, the trend, and the recommendation. Eleven pages, fictional numbers.

View the sample paper (PDF)

2 · Finance Projects and Products

Things that come up once

Defined outcomes with a start and an end, quoted fixed off the Deep Diagnostic or a scoping call, billed on milestones.

Clean-up and remediation

Balance-sheet clean-up, deferred revenue rebuilt from the subscription data, leave provisions, platform-settlement clean-up, chart of accounts rationalised with history preserved.

Payroll tax review

Every state, every year, recalculated from the payroll data; contractor arrangements tested; reconciled to what was lodged; a monthly accrual left running. Lodgement and rulings stay with your agent.

Budgets

Budget Starter, from $990: a 12-month P&L budget from last year's actuals and your key drivers, a 30-minute walkthrough, loaded into Xero.

Integrated Budget, from $3,000: P&L, balance sheet and cash, phased monthly, with a base case and a downside, and a 60-minute session.

Quarterly Reforecast, from $300 a month (billed quarterly): actuals rolled in and the rest of the year re-forecast.

Forecast model build or audit

A driver-based three-statement model from your chart of accounts and Xero history, with scenarios and tie-out checks. Or an audit and rebuild of the one you have. Quoted.

New-site business case

The opening case for your next site: fit-out, practitioner ramp, break-even month, the funding ask, and monthly tracking once it opens.

Lender and investor readiness

The pack, the forecast and the covenant model a bank or investor will ask for, prepared and tied. You choose the lender and the product.

Finance function set-up

Chart of accounts, close calendar, reporting design, finance policies (approvals, spending limits, month-end rules), Xero set up for management reporting, the first 30 days. GST settings and tax codes stay with your BAS or tax agent.

Products left with you after a project: reporting workbook, 13-week cash forecast, KPI and site P&L workbook, time-to-invoice workbook, dividend and working-capital policy workbook, close checklist. For genuinely open-ended work: operations time $1,200 + GST a day, CFO time $1,800 + GST a day, agreed up front.

What LedgerLift does, and what it costs