Automated AI Bookkeeping
The fastest way for you to get your books done - powered by advanced AI categorization technology.
Why Automated Bookkeeping?
Less time consuming
Karat automatically tracks and categorizes your expenses, so you can stay focused on creating—not bookkeeping.
Less expensive
No need for spreadsheets or high-cost accountants. Karat gives you clean books at a fraction of the price.
Built for you
Karat is made for you—freelancers, creators, and solopreneurs—who need simple, affordable bookkeeping.
Every account in one view
Connect all of your financial accounts to Karat AI Bookkeeping. You'll natively see transactions from your Karat Banking and Card accounts as well as external accounts (e.g., Bank of America, Chase). Connecting and managing accounts happens seamlessly through Plaid.
Let AI do the work
Our AI will automatically suggest categorization for all of your connected transactions so all you need to do is confirm in a single click. You can review transactions through your dashboard or via SMS.
Have a specific preference? You can also set up custom categories and AI Bookkeeping will learn for future transactions.
Reports ready for tax season
AI bookkeeping generates real time monthly P&L, balance sheet, and cash flow statements directly to your dashboard. You can access general ledger reports for your accounts and make manual journal entries for improved control and customization in your bookkeeping process.
Creator businesses love Karat
Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.
7.2M Subscribers on YouTube
@TooTurntTony
Love the platform is built with creators in mind. Very responsive to new feature requests like invoicing and mobile apps, making the creator back end much easier and all on one platform!
134K Followers on YouTube
@AprilynneAlter
Karat makes it easy to keep track of my business. It integrates so seamlessly with everything I want it to, and I love how much interest I’m earning with just a checking account!
10.2M Subscribers on YouTube
@IsaiahPhoto
I use Karat for two of my businesses and it’s a breeze. Really great APY and concierge support that I never got from a traditional bank.
1.3M Followers on Twitch
@AlexandraBotez
Karat is the best business credit card for creators–they approved when other banks rejected me twice.
4.1M Followers on YouTube
@RealEngineering
"Despite running a top YouTube channel, I couldn't get help from traditional banks. Karat set me up with a real business card."
4.5M Subscribers on YouTube
@GrahamStephan
"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”
213K Followers on Instagram
@ATasteOfKoko
"When I raised $150k for the Austin Winter Storm, I couldn't access the funds for 2 weeks. I texted Karat who raised my limit to $150k in minutes."
All-in-one business banking for growing businesses
A single product for everything you want to accomplish with your money.