Your Books. Your Taxes.
Your Rules.

Self-hosted AI accounting with the first crypto-native tax engine. Double-entry books, invoicing, bank reconciliation, IRS form generation — powered by Chappie AI. Replaces QuickBooks and CoinTracker in one platform.

See Pricing ↓ Start Free →
$19/mo
STARTS AT
UNLIMITED USERS
100%
SELF-HOSTED
AI
CHAPPIE POWERED

CloverBooks vs. The Incumbents

Same power. Self-hosted. Crypto-native. Half the price. You own your data.

Feature QuickBooks Online CloverBooks
Pricing$30–200/mo + per-user add-ons$19–99/mo flat, unlimited users
Data OwnershipCloud-only, Intuit owns your dataSelf-hosted, PostgreSQL, you own everything
Crypto SupportZero native crypto accountingXRPL, BTC, XMR, FET, DEX, mining, staking
AI AssistantBasic categorizationChappie AI: NL queries, anomaly detection, forecasting
IntegrationsWalled garden, expensive add-onsDeep CloverStack (POS, Mine, Market, NAS)
Lock-inProprietary format, expensive exportOpen data: OFX, QIF, CSV, JSON
PrivacyIntuit sells anonymized dataZero telemetry, air-gap capable
Multi-EntitySeparate subscription per companyMulti-entity from one dashboard
$1,484/yr
saved vs. QuickBooks Advanced + CoinTracker (10-person business)

Full Double-Entry Accounting. AI-Powered.

Everything you need to run your books — invoicing, expenses, reconciliation, reports — with Chappie AI handling the tedious work.

📑

Invoicing & Receivables

  • Professional templates with your branding
  • Recurring invoices with auto-send
  • Online payment via Stripe
  • Crypto payments (XRP, BTC, CloverCoin)
  • Auto late-payment reminders
  • Estimates → one-click convert to invoice
💳

Expense Tracking

  • Receipt scanning with AI OCR
  • Auto-categorization (Chappie learns your patterns)
  • Rule engine for recurring vendors
  • Mileage tracking (IRS rate auto-updated)
  • Per-project & per-client tracking
  • 1099 vendor management
🏦

Bank & Wallet Reconciliation

  • Bank sync via Plaid (12,000+ institutions)
  • XRPL wallet sync (Xaman, Ledger)
  • Bitcoin xpub import
  • Exchange import (Kraken, Coinbase, Binance)
  • Auto-matching transactions ↔ invoices
  • Fiat + crypto in one dashboard
📈

Financial Reports

  • Profit & Loss / Income Statement
  • Balance Sheet
  • Cash Flow Statement
  • AR/AP Aging (30/60/90/120 day)
  • Crypto Portfolio Report
  • Custom report builder + scheduled delivery
💰

Multi-Currency & Crypto

  • Fiat currencies with live exchange rates
  • Crypto asset class: cost basis + FMV tracking
  • Realized & unrealized gains/losses
  • CloverCoin native support
  • XRPL DEX trade parsing
  • Multi-entity / multi-LLC dashboard
🤖

Chappie AI Assistant

  • “How much did I spend on hosting last quarter?”
  • Anomaly detection on invoices & expenses
  • Cash flow forecasting
  • Duplicate detection
  • Tax deadline reminders
  • Auto-reconciliation suggestions

Ask Chappie Anything About Your Finances

No more digging through reports. Just ask in plain English.

You ask: “What's my revenue this month vs. last month, and which clients are overdue?”
🍀 Chappie responds: Revenue this month: $14,280 (up 12% from $12,750 last month). 📈

You have 3 overdue invoices totaling $2,340:
• Acme Corp — Invoice #1047 — $1,200 — 14 days overdue (reminder sent 3 days ago)
• TechStart Inc — Invoice #1052 — $840 — 7 days overdue
• LocalShop — Invoice #1055 — $300 — 3 days overdue

Want me to send follow-up reminders to all three? 📨
You ask: “What's my estimated tax liability so far this year including crypto?”
🍀 Chappie responds: Estimated 2026 tax liability: $8,420

Breakdown:
• Business income (Schedule C): $52,400 net → ~$7,860 SE tax + income tax
• Crypto gains (Schedule D): $3,200 short-term → ~$560 (using HIFO method)
• Mining income: $1,800 from CloverMine → already included above

⚠️ You've only paid $4,000 in estimated taxes so far (Q1 + Q2). You're about $2,100 short of the safe harbor amount. Q3 estimated payment is due Sep 15 — I recommend paying $2,800. 📅

Crypto Tax? Handled.

The first self-hosted crypto tax engine that natively understands XRPL, CloverMine, and CloverCoin. Auto-generates every IRS form you need.

Every Crypto Event — Auto-Detected

💸
Buy / Sell
Exchanges & DEX
🔄
Swap / Trade
Token-to-token, NFT
Mining Income
CloverMine auto-feed
🌱
Staking Rewards
Auto-valued at receipt
🎁
Airdrops
FMV at receipt date
🔬
DeFi Yield
Lending, LPs, farming
🎨
NFT Sales
Mint + secondary
🍀
CloverCoin
Marketplace + payouts
🚀
XRPL DEX
Native ledger parsing
⚠️
Wash Sales
30-day window flagging

IRS Forms — Auto-Generated

Schedule D
Capital Gains & Losses
Form 8949
Sales & Dispositions of Capital Assets
Schedule C
Business Income (Mining/Staking)
Schedule 1
Additional Income (Airdrops, Forks)
1099-NEC
Contractor Payments
1040-ES
Quarterly Estimated Tax

Cost Basis Methods — You Choose

Select per asset: FIFO (First In, First Out), LIFO (Last In, First Out), HIFO (Highest In, First Out), or Specific Identification. CloverTax calculates the optimal method and shows you the difference — Chappie will tell you which one saves the most.

FIFO
First In, First Out
IRS default. Sells oldest lots first.
HIFO
Highest In, First Out
Minimizes gains. Chappie's pick for most users.
LIFO
Last In, First Out
Sells newest lots first. Good in rising markets.
SPEC ID
Specific Identification
Cherry-pick lots. Maximum control.

The Financial Nervous System of Your Stack

Every CloverStack product feeds into CloverBooks automatically. No manual entry. No CSV imports. Just seamless data flow.

💳

CloverPOS → CloverBooks

Every sale auto-journals. Sales tax calculated, collected, and reported. Inventory COGS tracked. Daily settlement reconciliation.

CloverMine → CloverBooks

Mining income auto-logged with real-time coin valuation at receipt. Hash rate profitability reports. Electricity costs tracked as business expenses.

🍀

CloverCoin → CloverBooks

All CC transactions — marketplace purchases, creator payouts, tips, referral rewards — auto-categorized with CC↔USD valuation for tax.

🏪

CloverMarket → CloverBooks

Creator earnings, platform fees (20%), payout history. Revenue recognition per sale. Auto-generate 1099s for creators earning >$600.

💳

Stripe → CloverBooks

Already connected. Transaction sync, Stripe fee tracking, payout reconciliation. Subscription revenue recognition.

🌐

CloverMesh → Multi-Entity

Multiple businesses/LLCs from one dashboard. Inter-company transactions. Consolidated reporting across all entities.

🔒

MyCloverVault

Encrypted storage for tax documents, W-9s, bank statements, receipts. Audit-ready document vault with 7-year retention.

🖥️

CloverNAS Backup

Automated backup of all financial data. Snapshot before year-end close. Offsite replication for disaster recovery.

💻

NetMon / SentryLog

IT expense auto-tagging — monitoring costs per client for MSP billing. Infrastructure costs tracked as business expenses.

Pre-Built for Your Business Type

Chart of accounts, categorization rules, and tax mappings — ready to go for 10+ industries.

💻
MSP / IT
👤
Freelancer
🛒
E-Commerce
Crypto / Mining
🔧
Construction
🍴
Restaurant
⚖️
Legal
🏡
Real Estate
🏭
Manufacturing
💜
Nonprofit

Flat Price. Unlimited Users. No Surprises.

Every tier includes full double-entry accounting, invoicing, expense tracking, and Chappie AI.

Freelancer
$19/mo
$189/yr (save $39)
  • ✓ 1 user, 1 entity
  • ✓ 1,000 transactions/mo
  • ✓ 50 invoices/mo
  • ✓ 2 bank + 2 crypto wallets
  • ✓ 100 receipt scans/mo (AI OCR)
  • ✓ 100 Chappie AI queries/mo
  • ✓ Standard reports
Get Freelancer
Most Popular
Business
$49/mo
$469/yr (save $119)
  • Unlimited users, 3 entities
  • Unlimited transactions
  • Unlimited invoices
  • ✓ 10 bank + 10 crypto wallets
  • ✓ 1,000 receipt scans/mo
  • ✓ 1,000 Chappie AI queries/mo
  • ✓ Custom reports + API read
  • ✓ CloverTax Business INCLUDED
Get Business
Enterprise
$99/mo
$949/yr (save $239)
  • Unlimited everything
  • ✓ Unlimited entities
  • ✓ Unlimited bank + crypto wallets
  • ✓ Unlimited receipt scans + AI
  • ✓ Scheduled reports + full API
  • ✓ Consolidated multi-entity reporting
  • ✓ Priority support + phone
  • ✓ CloverTax Business INCLUDED
Get Enterprise

Add Tax & Crypto Compliance

Business Tax
+$9/mo
$89/yr

Schedule C / 1120-S prep, quarterly estimates, 1099 generation, state adjustments, home office & mileage deductions.

✓ Included with Business + Enterprise tiers
Add Business Tax
Crypto Tax ⚡
+$15/mo
$149/yr (saves $100-500 vs CoinTracker/Koinly)

Full crypto engine: Form 8949, Schedule D, FIFO/LIFO/HIFO, wash sale detection, mining/staking/DeFi/DEX/XRPL/CloverCoin.

✓ Included with Full Stack Bundle ($199/mo)
Add Crypto Tax
Complete Bundle
+$19/mo
$189/yr (save $5/mo vs. separate)

Business Tax + Crypto Tax combined. Everything: IRS forms, crypto engine, quarterly estimates, 1099s, state compliance.

Add Complete Tax

Built on Shoulders of Giants

CloverBooks is powered by incredible open-source projects. We always credit the creators.

Akaunting
AGPL-3.0 • Core accounting engine
ERPNext
GPL-3.0 • Alternative core (Frappe)
Tesseract OCR
Apache 2.0 • Receipt text extraction
xrpl-py
ISC • XRPL ledger by XRPLF
PostgreSQL
PostgreSQL License • Database
Ollama
MIT • Chappie AI backend

Stop Paying QuickBooks to Own Your Data.

Self-hosted. Crypto-native. AI-powered. Every transaction, every receipt, every tax form — on your hardware, under your control. From $19/mo.

Start Free → View Pricing