New offering Captive insurance agents only
AI Books
The entry point to Club Capital accounting
AI-native bookkeeping for agency owners who need accurate, year-end-ready financials without paying for a monthly advisory relationship. One plan, built on Digits, configured by us for insurance agencies, and handed straight to the Club Capital team that prepares your return. Club Capital expertise is available by the hour whenever you want it.
One plan, plus help by the hour
The platform keeps your books. When you want a person, you pay for the hours you use and nothing more.
AI Books
$99/month
Up to $50,000 in monthly expenses
Best for: Owners who want the software doing the bookkeeping, are comfortable answering a handful of questions each month, and do not need a monthly financial package.
Get startedWhat's included
- Cash-basis bookkeeping built from your bank and credit card activity
- Simplified chart of accounts built for insurance agencies, with commission and override income kept clean
- AI categorizes and reconciles the large majority of activity automatically
- Edge cases get flagged for you rather than guessed at
- Unlimited AI chat on your own numbers. Any transaction, your cash position, a quick what-if
- Year-end financials delivered to the Club Capital team preparing your return
- In-app messaging support, plus email access to a US-based senior accountant on our CAS advisory team for general questions
What you own
You own your books and the accuracy of your year-end financials. You answer the flagged items each month, roughly 15 minutes. No review by our team is included in the monthly fee. We prepare and file your return based on the financials the platform produces from what you have provided.
Club Capital Support
$150/hour
No retainer, no monthly minimum
Every hour is worked by a US-based senior accountant on our CAS advisory team.
Best for: Anything you would rather hand to a person. Use it once, use it never, or use it every quarter. You only pay for the hours you ask for.
Ask for a quoteWhat you can use it for
- Questions during the year about how to handle a transaction, an account, or a report
- Working through the items the platform has flagged
- Balance sheet cleanup, including owner draws, contributions, loans, and transfers
- A full review of your books ahead of tax prep, which we recommend but do not require
- Prior-period or catch-up cleanup
How it is billed
We scope the work and give you an estimate before we start, so you approve the cost up front. Time is billed in quarter-hour increments and only when you ask for it. Nothing is billed automatically.
How it works
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Connect your accounts
Link your bank and credit cards once. We build your chart of accounts and set your opening balances. About 15 minutes of your time.
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The platform does the bookkeeping
Transactions categorize and accounts reconcile automatically. Edge cases get flagged instead of guessed. Ask the AI anything about your numbers, in plain English, any time.
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Year end is already handled
Your financials go directly to the Club Capital team filing your return. Want us to review or clean up the books first? That is billed at $150 an hour, quoted before we start.
What a standalone bookkeeping app cannot do
Your books do not sit in a silo. The Club Capital tax preparers, senior accountants, and advisors on your account see the same financials you do, all year long. That means far less chasing at year end, and for clients on a tax advisory plan, midyear tax planning built on your actual numbers instead of a December estimate.
Is AI Books the right fit?
It is built for a specific kind of agency. If you recognize yourself in the second column, one of our Advisory tiers will serve you better, and we will say so.
AI Books is the right fit if you
- Are already a Club Capital tax client
- Run an insurance agency under $50,000 a month in expenses
- File and report on a cash basis
- Want clean books without keeping them yourself
- Do not need a monthly or quarterly advisory relationship
You need one of our Advisory tiers if you
- Want industry peer benchmarking, so you can see how your expenses, staffing, and margins compare to other agencies we work with, through the Club Capital CAS reporting platform
- Want your books reviewed every month by a licensed bookkeeper and reviewed again by a senior accountant
- Need accrual-basis reporting or a monthly financial package
- Report to a lender, carrier, or outside partner
- Want payroll, AP, or cash flow management run for you
- Want a strategic advisor in the seat every month
AI Books keeps the ledger accurate. It will not tell you what to do about it.
That is deliberate. AI Books exists so tax clients can stop worrying about bookkeeping, not so they can skip advisory. When you want reviewed monthly financials, peer benchmarking, and tax planning that goes beyond the return, that is a conversation about our advisory tiers, and we will have it whenever you are ready.
Talk to your Club Capital contact to get started Book a consultation
AI Books is available to current Club Capital tax clients operating insurance agencies, priced for businesses under $50,000 in monthly expenses. Above that threshold we will scope you into the appropriate tier. AI Books does not include industry peer benchmarking, which is available on our CAS advisory plans. Support, review, and cleanup work is billed at $150 per hour, estimated in advance and performed only with your approval. Powered by Digits. The monthly fee is billed monthly and includes platform access.