Clear in three steps.

Step 1

Capture your transactions instantly

Snap a receipt, upload a screenshot, or log it manually. Jeramyl captures it the moment it happens — wherever you are.

Step 2

Keep your business data always up to date

Income, expenses, and customer activity — organized automatically so your numbers are always current.

Step 3

Get guidance — and ask anything

Your business health is monitored continuously. Ask plain-English questions — "Can I survive next month?" or "Who is my top customer?" — and get answers based on your real records.

Most business owners are reacting to problems instead of seeing them coming.

The data is there — but it doesn't tell you what's at risk, why it's happening, or what to do. You're always a step behind.

  • You don't know what's at risk in your business right now

    There's no clear signal telling you something needs attention — until it's already a problem.

  • You don't know which customers actually matter

    You know who pays — but not who's profitable, who's loyal, and who's worth keeping.

  • You're making decisions without knowing why things are happening

    Numbers show the what — but not the why or the what next. No context means no confident action.

  • Most businesses don't fail from lack of revenue — they fail from poor cash flow timing.

    Revenue looks fine on paper, but cash runs dry before the next payment arrives.

Workspace Health Engine
Continuous monitoring · Explained · Actionable
Healthy
Revenue trending up — 3 clients growing
Attention Needed
2 invoices overdue — follow up recommended
Driven by
Invoice #041 (+12 days) · Invoice #038 (+8 days)
✦ AI Insight
Cash runway projected at 39 days — monitor overdue invoices

A quiet day in your business.
Jeramyl was watching.

While you were focused on doing the work, Jeramyl was monitoring the signals beneath the surface.

9:12 AM
✓ Healthy
Revenue trending up 14% month over month
Driven by 3 growing clients — Apex Creative, NorthShore, JD LLC. Cash position stable.
11:40 AM
⚠ Attention Needed
2 invoices overdue — cash runway affected
Invoice #041 (+12 days) and Invoice #038 (+8 days) outstanding. Cash runway dropped from 52 to 39 days.
2:15 PM
✦ AI Insight
Client concentration reached 71%
Your top client now represents 71% of monthly revenue. Customer concentration risk detected — pipeline diversification recommended.
4:52 PM
⚡ Risk Detected
Projected cash shortfall in 12 days
$4,200 in bills due before expected invoice payments arrive. Jeramyl recommends following up on overdue invoices before Thursday.
Jeramyl notices financial pressure
before it becomes damage.

From smart bookkeeping
to operational intelligence.

Every layer of Jeramyl is built around the decisions you make every day — not just the numbers behind them.

Smart bookkeeping

Track income, expenses, invoices, bills, and receipts without complicated accounting software. AI helps with categorization so you spend less time on manual work.

AI Categorization Receipt Upload Income Tracking Bill Tracking Invoice Management Payment Matching

Customer Intelligence

Know which customers actually drive your business — who's growing, who's recurring, and who contributes the most to your bottom line.

Revenue by Customer Transaction History Growing Customers Recurring Customers Customer Contribution

Multi-Business Management

Run multiple businesses without the chaos. One account, separate books, instant switching — full clarity across every entity you own.

Multiple Businesses Separate Books Business Switcher

Workspace Health Engine

Every alert explains why it appeared, what action to take, and what condition will make it resolve. Based entirely on your real business data.

Health Status Why It Appeared What To Do Resolves When Trend Context

AI CFO Assistant

Ask plain-English finance questions and get concise answers based on your records. "Can I survive next month?" "Who owes me the most?" "What changed from last month?" Financial figures come from your data — AI explains the result.

Plain-English Questions Source-Backed Answers Cash Movement Tax Summary Activity Journal Business Health Q&A
Feature 01

Bookkeeping that actually stays up to date.

Log transactions, upload receipts, and let Jeramyl's AI handle the categorization. Income, expenses, and your full transaction history — organized with AI assistance and easy manual adjustments. Go beyond monthly totals with activity reports broken down by journal, category, cash movement, and tax impact.

  • Track income and expenses in one place
  • Upload receipts and attach them to transactions
  • AI-assisted categorization helps reduce manual work
  • Create and track invoices — see what's paid and what's overdue
  • Track upcoming bills so nothing gets missed
  • Suggested invoice payment matching — you confirm before it's marked paid
  • Recurring subscription detection — spot unusual changes in monthly spend
  • Activity Journal — review all recorded business activity in one view
  • Category Activity — see what's driving costs and income by category
  • Cash Movement report — understand actual inflows and outflows
  • Tax Summary — review recorded tax collected, tax paid, and estimated tax position
Start Free — No Credit Card Required
Recent Transactions — AI Categorized
Stripe payout — Invoice 043AI
Client Payment · Just received
+$4,200.00
AWS ServicesAI
Software & Cloud · Business Expense
−$284.00
Client Payment — Invoice 042AI
Client Payment · Revenue
+$3,500.00
Adobe Creative CloudAI
Software & Subscriptions · Deductible
−$54.99
Delta Airlines — NYC tripAI
Business Travel · Deductible
−$412.00
Client Retainer PaymentAI
Client Payment · Revenue
+$1,800.00
Transactions categorized with AI assistance AI Powered
Feature 02

Know exactly who your best customers are.

Jeramyl tracks every customer — showing their transaction history, total revenue, and performance over time. Get a clear picture of who's actually driving your growth.

  • View your complete customer list in one place
  • See total revenue generated per customer
  • Track individual customer transactions and history
  • Understand which customers drive the most value
  • Monitor customer performance and activity over time
Explore Customer Intelligence
Customer Intelligence Dashboard
Your Top Customer
Highest revenue this period
Top Customer
Total Revenue
From this customer
Transactions
All time
Avg. Value
Per transaction
Growing Customer
Revenue increasing month over month
Active
+
New Customer
First transaction recorded
New
Works Anywhere

Capture it before
you forget.

You don't need to be at your desk. Snap a photo of a receipt right after dinner, upload a payment screenshot from your laptop, or log an expense while you're still in the parking lot. Jeramyl fits into your day — not the other way around.

  • Photograph a receipt right after a meeting or meal
  • Upload a payment screenshot from any device
  • Log income or expenses the moment they happen
  • Never forget a transaction again
Start Free — No Credit Card Required
Captured Today
Client dinner receipt Photo
Meals & Entertainment · After the meeting
−$94.00
Payment received — Invoice 58 Screenshot
Client Payment · Uploaded from laptop
+$2,400.00
Coffee — quick expense Quick Log
Meals & Coffee · Logged on the spot
−$6.50
Uber — airport trip Photo
Business Travel · Receipt captured in car
−$38.00
Captured from phone, laptop, and on the spot 0 forgotten
Feature 03 · Business Plan

Every alert tells you why, what to do, and when it will resolve.

Jeramyl does not just show alerts. The Workspace Health Engine explains why each insight appeared, what action to take, and what business condition will make it go away — based entirely on your real recorded data.

  • Business health status — Healthy, Attention Needed, or At Risk
  • "Why this appeared" — the exact data conditions that triggered the insight
  • "What to do" — a clear, actionable next step you can take today
  • "This resolves when" — the specific condition that will close the alert
  • Proactive risks: revenue concentration, overdue receivables, cash shortfall, expense spikes
  • Trend and history context where available — not just a snapshot
  • Insights updated continuously as your data changes
Explore Workspace Health
Workspace Health Engine
HEALTHY
Revenue trending up this month
Driven by: 3 growing clients · Apex Creative, NorthShore, JD LLC
ATTENTION NEEDED
2 invoices overdue — cash flow affected
Why: Invoice #041 (+12 days), Invoice #038 (+8 days) still unpaid
→ What to do: Send payment reminders today
Resolves when: Both invoices are marked paid
✦ AI INSIGHT
Top client is 68% of revenue
Why: Revenue concentration risk — single client dependency detected
Resolves when: No single client exceeds 50% of monthly revenue
Monitoring continuously Business Plan
Cash Flow & Runway · Pro Plan

Know if you'll have enough cash
before it's too late.

Jeramyl maps out what's coming in and going out over the next 7 to 30 days. You see your cash runway — how many days until you'd run short — and exactly what's causing it.

  • See expected income from pending invoices and recurring clients
  • See upcoming expenses from bills and subscriptions
  • Cash runway tells you how many days of operating cash you have left
  • "Driven by" shows the specific invoices or bills causing cash risk
  • Overdue tracking flags income that should have arrived already
See Your Cash Flow
Cash Flow — Next 30 Days
Expected In
3 invoices pending
+$8,400
Expected Out
4 bills due
−$3,120
Cash Runway
Driven by: 2 overdue invoices
47 days
Feature 04

Manage multiple businesses.
Feel like you're running one.

Whether you're an agency operator, a freelancer with side ventures, or a multi-entity owner — Jeramyl gives every business its own clean books while letting you switch between them instantly. Owners can keep every business separate while still seeing what needs attention.

  • Multiple business entities under one account
  • Completely separated books and transactions per entity
  • Switch between businesses instantly with one click
  • Each business gets its own customers, income, and expenses
  • Team access — invite members with appropriate visibility per business
  • Owner view — see which business needs attention without switching manually
Manage All Your Businesses
Your Businesses
Apex Creative Studio
Agency
NorthShore Goods
E-commerce
JD Consulting LLC
Consulting
Each business has its own books
Transactions, customers, income, and expenses are fully separated per entity. Switch between them instantly — no re-login required.
AI CFO Assistant

Ask plain-English questions.
Get answers from your real records.

Jeramyl Chat lets you ask direct finance questions and get concise, source-backed answers based on your actual business data. Financial figures are calculated from your records — AI helps explain the result, not invent it.

  • "Can I survive next month?" — see cash runway and upcoming obligations
  • "Who is my top customer?" — based on recorded revenue from your books
  • "Who owes me the most?" — outstanding invoices ranked by amount
  • "What changed from last month?" — driven by your actual transaction data
  • "What should I improve first?" — based on your current health score
  • "Show my cash movement" — inflows and outflows, categorized
  • "What is my tax summary?" — recorded tax collected and tax paid

Numbers come from your records. AI helps explain what changed, what matters, and what to do next — not replace your accountant.

Try the AI CFO Assistant
Jeramyl Chat — AI CFO Assistant
Can I survive next month?
✦ AI Answer
Cash runway is 47 days. Expected in: $8,400 from 3 invoices. Bills due: $3,120. Two invoices are overdue — following up would extend your runway by an estimated 11 days.
Who is my top customer?
✦ AI Answer
Apex Creative Studio is your top customer — $7,200 this month, 68% of total revenue. NorthShore Goods is your fastest-growing, up 34% month over month.
What changed from last month?
✦ AI Answer
Revenue is up 14% driven by Apex Creative. Expenses rose 8% — mainly AWS and contractor costs. Net position improved by $1,200 vs last month.
Answers calculated from your recorded data Pro & Business

Built for modern businesses.

Jeramyl is designed from the ground up for the way modern business owners actually work — not for enterprise finance teams with dedicated accountants.

Freelancers

Track income, expenses, and understand your net profit without complicated accounting software.

Small Business Owners

Financial overview, expense tracking, and income history built for the pace of running a business. Know exactly where your money goes before the month ends — not after.

Agencies

Track client revenue, manage retainer income, and know exactly which accounts drive your growth. Stop guessing which clients are worth growing — Jeramyl shows you the data.

Consultants

Track client revenue, understand your expenses, and identify your highest-value client relationships with clear financial data.

Service Businesses

Identify recurring revenue patterns, manage operating costs, and spot growth opportunities across every service line. Get a clear picture of which services are actually profitable — and which are dragging you down.

Multi-Business Operators

One login. Multiple entities. Separate books per business and a simple switcher so you can switch between businesses with clarity and control. Finally, a tool that keeps up with how you actually operate.

Start simple. Grow into intelligence.

Free lets you start tracking your records. Pro adds financial intelligence, AI CFO guidance, and automation. Business adds team access, workspace health, and advanced proactive insights.

Free
$0
per month

  • 1 business
  • 50 transactions / month
  • Receipt OCR scanning
  • Income & expense tracking
  • Basic reports
  • Customer profiles
  • Basic invoice tracking
Get Started Free
Business
Team access, workspace health, and advanced proactive insights
$39
per month

  • Everything in Pro
  • Unlimited businesses
  • Unlimited transactions
  • Unlimited team members
  • Workspace Health Engine
  • Proactive insights with "Why", "What to do", "Resolves when"
  • Revenue concentration, cash shortfall & expense spike detection
  • Advanced cash flow risk alerts with "Driven by" breakdowns
  • Business health score & trend context
  • 6-month trend analysis in reports
  • Per-business PDF breakdown
  • Advanced access controls
  • Full audit log
  • Bank reconciliation & statement matching
Start Business Trial

Frequently asked questions

Everything you need to know about using Jeramyl for bookkeeping, cash flow, and business insights.

What is Jeramyl?

Jeramyl is an AI-powered financial decision system for small businesses, freelancers, agencies, consultants, and multi-business operators. It helps you track income, expenses, invoices, bills, cash flow, and business activity — then turns your records into clear AI CFO-style guidance so you know what changed, what is at risk, and what to do next.

Is Jeramyl for business owners or accountants?

Jeramyl is built for business owners — freelancers, agency operators, consultants, and anyone running one or more businesses. It is designed to help owners stay organized, understand what is happening in their finances, and prepare cleaner records before working with their accountant. Jeramyl is not designed for professional accounting firms.

Does Jeramyl replace my accountant?

No. Jeramyl helps you organize and understand your business finances — it is not a replacement for a licensed accountant, bookkeeper, tax advisor, or financial advisor. Think of Jeramyl as helping you arrive at your accountant's office with cleaner, better-understood records.

How does Jeramyl AI work?

Jeramyl uses a combination of deterministic calculations and AI explanation. Financial figures — revenue, expenses, cash runway, tax summary — are calculated directly from your recorded data. AI then explains the results: what changed, why an insight appeared, what action to take, and when it will resolve. AI does not invent your financial numbers.

Are AI answers based on my real data?

Yes. When you ask the AI CFO Assistant a question — like "Can I survive next month?" or "Who is my top customer?" — the answer is grounded in your actual recorded transactions, invoices, and business activity. The AI explains the result; the numbers come from your records.

What is the difference between Cash Movement and Cash Flow?

Cash Movement is a report showing actual recorded inflows and outflows — what came in and what went out during a period, broken down by category. Cash Flow in Jeramyl refers to forward-looking projections based on pending invoices, upcoming bills, and expected payments over the next 7 to 30 days. Both are based on your recorded data.

How does Tax Summary work?

Tax Summary helps you review recorded tax collected, tax paid, and estimated tax position based on your business records. It separates tax collected from customers and tax paid on expenses so you have a clear breakdown for review. Tax Summary is not tax filing advice — always confirm tax compliance with your accountant.

Can I manage multiple businesses?

Yes. Jeramyl supports multi-business management with fully separated books per entity. Each business has its own transactions, customers, income, expenses, and reports. You can switch between businesses instantly from one account.

Can my team use it?

Yes. Pro supports up to 5 team members. Business supports unlimited team members with advanced access controls so you can manage visibility per business. Owners keep full oversight while team members can log transactions and update records.

Does Jeramyl show cash flow and runway?

Yes. Jeramyl projects cash flow and runway based on your tracked income, expenses, invoices, and bills. Cash runway tells you how many days of operating cash you have left, and what is causing risk. These projections are estimates based on the data you have recorded.

Can I scan receipts?

Yes. You can snap a photo of a receipt, upload a payment screenshot, or log a transaction manually from any device. Jeramyl extracts the vendor, date, amount, and description using OCR. You review and confirm before saving — nothing is recorded without your approval.

Is there a free plan?

Yes. The Free plan lets you start tracking income, expenses, receipts, invoices, and customer profiles at no cost. Upgrade to Pro or Business when you are ready for AI CFO guidance, cash flow intelligence, and advanced insights.

Run your business with
financial clarity.

Track your books, understand your cash flow, ask plain-English finance questions, and get AI CFO-style guidance on what needs your attention — all from your real recorded data.

Free plan available · No credit card required · Workspace Health Engine on Business plan