Offline AI Accountant 앱 분석 (10월 10일)

Offline AI Accountant is a private bookkeeping app for small businesses, powered by an on-device AI model. Keep your books, review transactions, scan receipts, import bank statements, create invoices, and understand your finances — entirely on your device. YOUR REVIEW INBOX • Open the app and see what actually needs your attention. • An entry it couldn't confidently categorise. A possible duplicate. A receipt that needs matching. An invoice that's overdue. • Everything the app can safely handle on its own is already taken care of. You review the exceptions, not every transaction. SMART CATEGORISATION, YOU STAY IN CONTROL • Your rules always come first. The app then learns from how you've previously categorised merchants and from similar entries in your own books. • Only transactions that still need help are passed to the on-device AI. • The AI can only choose from your existing categories — it cannot invent new ones. For every suggestion, you can see what influenced the decision, how confident it is, and what alternatives were considered. RECEIPTS THAT READ THEMSELVES • Scan a receipt and automatically extract the merchant, date, total, and tax. • See the confidence for each field and where the information was found. Attach the receipt to an existing transaction or create a new one. • Receipt recognition runs directly on your iPhone. "Your receipt images never leave your device." FROM BANK STATEMENTS TO BOOKS • Import "CSV, OFX/QFX, or QIF" files from your bank. • Potential duplicates are identified before they're added. Review every imported row before anything is written to your books, and undo an entire import whenever you need to. INVOICING WITHOUT A PORTAL • Create professional invoices directly on your device. • Handle invoice numbering, line-by-line tax, payments, reminders, and overdue invoices. Generate a proper PDF invoice or a "UBL 2.1 e-invoice XML" file — without logging into a separate service. SEE WHERE YOUR BUSINESS STANDS Understand your business with clear financial reports: • Profit & loss • Spending by category • Monthly trends • Top merchants • Receivables ageing • Tax summaries by code • Sales and purchases All calculated from your own bookkeeping data. YOUR DATA, YOUR WAY • Export your books whenever you want. • Create CSV exports, a double-entry journal compatible with accounting software, a complete JSON backup that can restore your data exactly, or a ZIP containing your data together with receipt images and invoice PDFs. "No export limits. No upsells. Your books remain yours." WHY OFFLINE MATTERS • Your bookkeeping contains some of your business's most sensitive information — what you earn, who you pay, what you owe, and how your business operates. • Offline AI Accountant is designed around keeping that information on your device. • The built-in AI runs locally, so your financial data doesn't need to be uploaded to a server. If you need a larger AI model for difficult categorisation, you can optionally connect your own provider key. This is "off by default", and only limited information — such as a merchant name and your category names — is sent. Amounts, balances, and receipt images are never sent. AI THAT KNOWS ITS ROLE • The AI helps determine "what a transaction is". It does not determine "how much it is worth". • Totals, taxes, balances, and financial calculations are calculated from your actual transactions using arithmetic — not AI guesses. • AI-generated summaries are also checked against your underlying data before they're shown to you. BUILT FOR YOUR BOOKS. NOT YOUR DATA. • No cloud account required. • No financial data uploaded. • No subscription required. • No internet connection required. Important: Offline AI Accountant is a bookkeeping and financial management tool. It does not file tax returns or provide tax, legal, or accounting advice. Always verify tax information and reports against your own records and applicable requirements.