Everything you need to run your books

Every feature, built for Canada.

Index Libro isn't a US accounting tool with Canadian taxes bolted on. Every feature — from GST/HST to CCA depreciation — is built natively for Canadian SMBs.

Core AI

AI that classifies every transaction — automatically.

From bank imports to receipt photos, Index AI processes every financial event with 95–99% accuracy and learns from every correction.

  • Fast AI model for bulk classification (< 0.5s per transaction)
  • Advanced AI reasoning for complex or uncertain cases
  • Confidence scoring: auto-post at >95%, flag for review below that
  • Learning feedback loop: every correction improves future accuracy
  • Vendor normalization: "AMZN MKTP CA" becomes "Amazon Canada"
  • Duplicate detection with confidence scoring
  • Supports rules-based pre-classification for known vendors
AI Classification Pipeline

Shopify Inc.

Software & SaaS

HST 13%99%posted

WestJet Airlines

Business Travel

HST 13%97%posted

Office Depot Canada

Office Supplies

HST 13%94%review

Unnamed Corp #4821

Uncategorized

?62%manual
AI Agent

Your AI CFO — answers any financial question instantly.

Ask in plain English. Get journal entries, financial reports, tax calculations, and strategic insights on demand.

  • Natural language Q&A about your financial position
  • Generate journal entries from plain-English descriptions
  • Run reports: Balance Sheet, Income Statement, Cash Flow
  • Proactive alerts: low cash, overdue invoices, tax deadlines
  • Multi-turn conversations with full business context
  • Memory: remembers your chart of accounts, vendors, and preferences
  • Workflow orchestration: month-end close, year-end, GST filing
  • 13-week cash flow forecast — "can I afford to hire?" answered with real numbers
  • Full transparency: every AI action logged in the Activity feed, undoable in one click
Index AI — CFO Mode
What's my cash runway?
AI
At current burn rate of $24,200/month, your $148,000 cash position gives you 6.1 months runway. I'd recommend reviewing your top 3 expense categories.
Generate a Q1 journal entry for rent prepayment — $36,000 for 6 months.
AI
Done. Journal Entry JE-2025-0341 created: DR Prepaid Expenses $36,000 / CR Cash $36,000. GST ITC of $4,680 claimed. Posted.
Ask anything about your books
Tax

Every Canadian province. Every tax regime. Built in.

GST/HST for Atlantic Canada and Ontario. GST+PST for BC, SK, MB. GST+QST for Quebec. GST-only for Alberta. Zero configuration.

  • Province-specific tax code application (13 provinces & territories)
  • CRA-ready GST/HST return worksheet (Lines 101–109)
  • PST/QST filing worksheets for applicable provinces
  • Input tax credit (ITC) tracking and reconciliation
  • CRA Business Number and registration management
  • T5018 subcontractor payment reporting (construction)
  • 6-year record retention enforced (no hard deletes)
  • Tax filing tracker with deadline reminders
GST/HST Return — Q1 2025 (Ontario)
L101Total sales & other revenue$312,400.00
L103GST/HST collected (13%)$40,612.00
L105Total GST/HST and adjustments$40,612.00
L106Input tax credits (ITCs)$28,341.55
L108Total ITCs and adjustments$28,341.55
L109Refund OR balance owing$12,270.45
Banking

Your Canadian bank account, connected in seconds.

Flinks-powered bank feed integration covers every major Canadian institution. Real-time transaction import, automatic reconciliation.

  • Flinks integration: TD, RBC, Scotiabank, BMO, CIBC, and 200+ institutions
  • Plaid fallback for broader coverage
  • Real-time transaction import with webhook triggers
  • Multi-bank account support (chequing, savings, credit cards)
  • Bank reconciliation workflow with AI-assisted matching
  • CSV/OFX import for manual accounts
  • Opening balance management
Connected Accounts
T

TD Business Chequing

••• 4821

$148,230.40

live
R

RBC Business Credit

••• 9934

-$12,440.00

live
B

BMO Business Savings

••• 1102

$56,000.00

syncing
+ Connect another account
Documents

Invoicing and receipts — paperless by default.

Send invoices, receive payments, and let AI OCR handle your receipt pile. Everything flows directly into your ledger.

  • Invoice creation with Canadian GST/HST/PST line items
  • Online payments: add a Stripe payment link to any invoice
  • Interac e-Transfer deposits matched to open invoices automatically
  • AI-powered receipt OCR (photo, drag and drop, or email forwarding)
  • Vendor extraction, amount detection, tax code suggestion
  • Automatic journal entry creation from scanned receipts
  • Attachment management with 6-year retention
  • PDF and CSV export for accountant sharing
Invoice INV-2025-0142

To

Maple Grove Consulting

Due

Apr 30, 2025

Strategy consulting — March40h$200$8,000.00
Report preparation8h$200$1,600.00
Subtotal$9,600.00
HST 13%$1,248.00
Total$10,848.00
Reporting

ASPE-compliant reports — ready in seconds.

Every report your accountant, bank, or CRA needs. Generated instantly from your real-time ledger data.

  • Balance Sheet (ASPE-compliant)
  • Income Statement (P&L)
  • Cash Flow Statement
  • Trial Balance
  • Accounts Receivable / Payable Aging
  • General Ledger detail with drill-down
  • GST/HST, PST, QST worksheets
  • Budget vs. Actual comparison
  • Fixed asset schedules and CCA reports
  • GIFI schedule for T2 corporate tax return
Income Statement — Q1 2025
Revenue$312,400
Consulting services$248,000
Product sales$64,400
Cost of Revenue$124,800
Gross Profit$187,600
Operating Expenses$139,360
Net Income$48,240
+23.4% vs Q1 2024
Export PDF
Start free — no credit card required

Stop drowning in bookkeeping.
Let AI handle it.

Built for Canadian small businesses — and switching is painless: import your QuickBooks or Xero books in minutes, with AI mapping your accounts. Your first 14 days are on us — no setup fees, no contracts.

14-day free trial
Setup in under 5 minutes
No accountant required
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🍁Built for Canadian business — data stored in Canada (ca-central-1)