For Freelancers & Small Business Owners

Know if your business is
actually making money.

Track your income, expenses, receipts, invoices, and bills in one place. Jeramyl turns your records into clear profit, cash flow, and business insights you can understand.

Your AI assistant reads your transactions, invoices, and cash flow — then tells you what changed, what needs attention, and what to ask next.

Start for Free View Business Demo

Business plan demo · sample data · no signup required · demo AI answers are static

No accounting background needed
Accountant-friendly records
Free plan, no credit card
Ask about any customer, period, or category
About Jeramyl

Bookkeeping and business finance for freelancers and small businesses.

Jeramyl is a bookkeeping and business finance web app that helps freelancers and small business owners track income and expenses, upload receipts, manage invoices and bills, monitor customer balances, and view simple financial reports. Jeramyl is built for freelancers, consultants, service businesses, agencies, and teams who want to understand their business without complex accounting software.

Google Services & Privacy

Jeramyl may connect to Google services only when a user chooses to enable them. Google Drive can be used for backup and export workflows. Connected Gmail, available on paid plans, lets a business owner manually send invoice follow-up reminder emails from their own Gmail or Google Workspace account — after reviewing and confirming each message before it is sent.

Jeramyl does not read Gmail inbox messages, email history, or contacts. Google integrations are optional and can be disconnected at any time from your account settings. Read our Privacy Policy →

What Jeramyl Does

Everything you need to know
if your business is profitable.

Track income, expenses, receipts, invoices, and bills — then see profit, cash flow, and insights in plain language without learning accounting software.

Income & Expense Tracking

Record money coming in and going out, attach receipts, and keep every transaction organized by business.

Profit & Cash Flow Clarity

See revenue, expenses, net profit, unpaid invoices, upcoming bills, and cash flow signals in one simple view.

Reports You Can Understand

Get plain-language summaries, P&L, tax summaries, A/R and A/P aging, Monthly Financial Report PDFs, and Smart Categories grouped reports — without accounting jargon. Share cleaner records with your accountant when it's time for review or tax filing.

Multi-Business Management

Keep separate books for each business under one account and switch between workspaces without mixing records. Customer Intelligence (Pro+) tracks revenue per client, lifetime value, and customer concentration — so you know which clients matter most.

AI CFO Assistant

Ask plain-English questions — "Am I making money this month?" or "Which customer brings the most revenue?" — and get answers grounded in your recorded transactions, invoices, bills, and business activity. AI explains results in plain language. It does not invent numbers or replace professional advice.

Workspace Health Engine

Jeramyl continuously monitors for overdue receivables, projected cash shortfalls, expense spikes, customer concentration risk, and records that need review. Each alert explains why it appeared, what it affects, and what to do next — before problems pile up. Business plan feature.

More than basic bookkeeping

Jeramyl has more depth than you might expect.

Beyond income and expense tracking, Jeramyl includes tools for invoicing, reporting, customer insights, and month-end review — designed for business owners who want real financial visibility without complex accounting software.

Invoice Follow-Up Tracking

See which invoices are overdue and for how long — so you know exactly who to follow up with. Pro+

Recurring Invoice Tracking

Track invoices that repeat each month so nothing slips through. Know what's gone out and what's still due. Pro+

Customer Statement PDFs

Generate a balance history for any customer — invoices issued, payments received — as a shareable PDF. Pro+

A/R & A/P Aging Reports

See who owes you and what you owe — broken down by how long each has been outstanding. Pro+

Tax Summary

A category-based income and expense summary ready for accountant review — organized before tax season arrives. Pro+

Monthly Financial Report PDF

Income, expenses, profit, and key metrics in a shareable PDF — generated automatically each month. Pro+

Bank Statement Matching

Upload your bank statement and match it against your recorded transactions, invoices, bills, and payments. Business

Customer Intelligence

Revenue per client, lifetime value, and concentration risk — so you know which clients matter most. Pro+

Full Activity Center

A detailed audit history of every change to invoices, bills, and transactions — with source links. Business

See all Jeramyl features →
The Problem

Your business numbers should not feel like a mystery.

Most business owners are busy serving clients, sending invoices, buying supplies, and keeping the business moving. The problem is that receipts, expenses, unpaid invoices, and bills pile up fast. By the time you check your numbers, you are already guessing.

Am I making money?

By the time most owners check their numbers, the month is over. Jeramyl shows income, expenses, and net profit in real time — without spreadsheets or accounting software.

Where did the money go?

Receipts, bills, and expenses pile up fast. Jeramyl captures and categorizes them as they happen so you can see exactly where money is going — and explain it clearly when it matters.

What needs attention right now?

Overdue invoices, upcoming bills, cash flow pressure, and records that need review all have a way of becoming urgent at the worst time. Jeramyl flags them proactively — before they pile up.

When will I run out of cash?

Revenue can look fine on paper while cash runs dry before the next payment arrives. Cash flow timing is where most businesses get caught — and where Jeramyl keeps you informed early.

Am I too dependent on one client?

A single customer driving most of your revenue is a concentration risk that is easy to miss — until that client pays late, reduces spend, or leaves. Jeramyl tracks it so you see it before it matters.

Workspace Health Engine

Every alert tells you why it appeared — and what to do about it.

The Workspace Health Engine monitors your business continuously. When something needs attention, it tells you what triggered the alert, what it affects, and what step to take next — based on your real recorded data, not guesses.

  • Overdue receivables — with invoice details and days outstanding
  • Projected cash shortfall — before bills come due and cash runs low
  • Unusual expense spikes — flagged by category, compared to prior months
  • Customer concentration risk — when one client drives too much of your revenue
  • Records needing review — unmatched payments, missing receipts, open items

Business plan feature. Compare plans →

Live Business Health
✓
Revenue trending up 14% month over month
Driven by 3 growing clients — Apex Creative, NorthShore, JD LLC. Cash position stable.
⚠
2 invoices overdue — action recommended
Invoice #041 (+12 days) · Invoice #038 (+8 days) — cash runway dropped from 52 to 39 days.
✦
Client concentration reached 71%
Top client now represents 71% of monthly revenue — pipeline diversification recommended.
⚡
Projected shortfall in 12 days
$4,200 in bills due before invoice payments arrive — follow up on overdue invoices before Thursday.
A Day with Jeramyl

What a day of running your business looks like in Jeramyl

These are illustrative signals from a sample business. Jeramyl monitors your recorded data and surfaces what needs attention based on what you've entered — not guesses.

9:12 AM
Revenue up 14% — catering order from Willow Creek confirmed

Jeramyl recorded the incoming payment and updated your monthly revenue total. Net profit for the month moved to $5,180 based on expenses recorded so far.

↑ Revenue signal
11:40 AM
2 invoices overdue — $3,800 outstanding past 30 days

Invoice #041 (12 days overdue) and Invoice #038 (8 days overdue) are still unpaid. Workspace Health flagged this and updated your cash runway estimate accordingly.

⚠ Attention needed
2:15 PM
Client concentration reached 71% — top customer dominates revenue

Your largest client now accounts for 71% of total monthly revenue. Customer Intelligence surfaced this from your recorded invoice history.

✦ Concentration risk
4:52 PM
Projected cash shortfall in 12 days

$4,200 in bills are due before overdue invoice payments are expected to arrive. Jeramyl flagged this from your recorded bills and estimated payment timing — giving you time to follow up before it becomes urgent.

⚡ Cash timing risk

Business plan feature. Signals are based on your recorded data, not external feeds or live bank connections. Compare plans →

AI CFO Assistant

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

The AI Financial Assistant reads your recorded transactions, invoices, bills, and business activity — then explains what the numbers mean in plain language. It explains your data; it does not invent numbers or replace professional advice.

  • Answers are grounded in your recorded transactions and invoices
  • Ask about any period — "What changed from Q1 to Q2?" or "How did last month compare?"
  • Ask about customers, vendors, categories, and invoices
  • Helps spot uncategorized transactions and missing receipts that need review
  • Generate an accountant-friendly summary of your books
  • Suggests what to ask next based on your current business records
  • Pro: 30 messages/month · Business: 150 shared messages/month

AI answers are based on your recorded data — they are explanations, not guarantees. For professional financial or tax advice, work with a qualified accountant or advisor.

Sample Q&A — illustrative examples using sample data
What's my cash runway right now?
Based on your average monthly burn of $3,842 and recorded upcoming bills, your current cash position gives you approximately 47 days of runway. Your largest fixed cost is payroll at $2,200/month. (Sample data)
Who's my top customer this month?
Apex Creative accounted for $4,800 of your $6,700 in recorded income this month — about 71.6% of total revenue. Willow Creek was second at $1,200. (Sample data)
What changed compared to last month?
Income is up $940 vs last month (+14%). Software expenses rose by $220 due to 2 new subscriptions. Net profit improved by $720 overall. (Sample data)
Which invoices are overdue and who should I follow up with first?
You have 2 overdue invoices in the sample data. One customer has paid late more than once, so they may need follow-up first. You can ask next: show overdue invoices, or show customers who usually pay late. (Sample data)

These are sample AI responses using illustrative data — not live AI output or real user data. Actual answers are based on your own recorded transactions.

Invoice Workflow

From estimate to payment follow-up.

Create estimates, convert them into invoices, track what is paid or overdue, follow up with customers, and generate customer statements when you need a clear balance history.

  • Create an estimate and share it with the customer
  • Convert the estimate to an invoice in one step
  • Track invoice status — draft, sent, paid, or overdue
  • Record or match payment when it arrives
  • Set a follow-up date on overdue invoices and track it
  • Generate a customer statement PDF for a clear balance history

Pro plan feature. Compare plans →

Invoice Status Flow
✦
Estimate sent to Apex Creative
$2,400 — awaiting acceptance. Ready to convert to invoice.
✓
Invoice #047 converted and sent
$2,400 — due in 14 days. Converted from estimate on Jun 18.
⚠
Invoice #041 — follow-up scheduled Jun 26
$1,800 overdue · +12 days. Follow-up date set and tracked.
✓
Customer statement generated — Willow Creek
PDF showing invoice history, payments, and outstanding balance.
Activity Center

Every change is traceable.

Jeramyl keeps a clear activity history across invoices, bills, and transactions. See what changed, who changed it, when it happened, and open the exact invoice, bill, or transaction from the Activity Center.

Invoice
Follow-up date updated on Invoice #041

Follow-up date changed from Jun 20 to Jun 26. Changed by you · Jun 19, 2:34 PM.

Open Invoice #041 →
Bill
Bill amount updated — Office Supplies

Amount changed from $84.50 to $102.00. Category: Office Supplies. Changed by you · Jun 18, 10:11 AM.

Open Bill →
Transaction
Category changed — Willow Creek payment

Category updated from Uncategorized to Services Income. Changed by team member · Jun 17, 4:50 PM.

Open Transaction →
What changed
Activity summary
Field, old value, and new value — shown clearly for every change.
Where it happened
Source context
Linked directly to the invoice, bill, or transaction.
Who and when
Actor and time
Who made the change, and the exact date and time.
Open from the feed
Direct link
Jump to the source record in one click from the activity feed.

Business plan feature. Compare plans →

How It Works

Up and running in minutes.

No complex setup. No accounting background needed — and your accountant can still help with tax, review, and professional advice.

Capture your records

Add income, expenses, invoices, bills, and receipts from your phone or browser. No bank connection required to get started.

Review and organize

Jeramyl helps read receipts, suggest categories, and keep transactions organized while you stay in control of your records.

See what the numbers mean

View profit, cash flow, reports, and AI-powered insights so you know exactly where your business stands.

Explore Before You Sign Up

See the full Business plan experience before creating your account.

Open a read-only Business plan demo with sample receipts, invoices, bills, reports, month-end cleanup, aging, insights, and AI CFO sample answers. No signup required — nothing is saved to your account.

View Business Plan Demo Start Free Instead

Demo AI CFO answers are static sample responses — not live AI or your real data.

Who It's For

Built for people running real businesses,
not finance departments.

Jeramyl is for business owners who want clear records, simple reports, and a better picture of profit without learning accounting software.

Freelancers

Track client payments, expenses, receipts, and net income so you know what you actually earned.

Small Business Owners

Keep income, bills, expenses, and reports organized while you focus on daily operations.

Online Sellers

Track lots of small expenses, sales-related costs, and business records from one workspace.

Service Businesses

Log receipts and payments on the go, then review your numbers when the day is done.

Agencies & Consultants

Understand revenue, client activity, expenses, and profitability with cleaner records.

Multi-Business Owners

Keep each business separate while managing everything from one account.

Pricing

Simple, honest pricing.

Start free. Upgrade when you're ready. No hidden fees, ever.

Free
$0/mo

Everything you need to get organized from day one.

  • 1 business workspace
  • 50 transactions per month
  • Receipt OCR scanning
  • Invoice & bill tracking
  • Customer profiles
  • Google Drive backup
  • Basic AI CFO Snapshot
Get Started Free
Most Popular
Pro
$15/mo

AI-powered clarity for growing businesses.

  • Up to 5 business workspaces
  • 500 transactions per month
  • Up to 5 team members
  • AI Financial Assistant (30 msgs/mo)
  • Cash flow forecast & tax summary
  • A/R & A/P aging
  • Month-End Cleanup checklist
  • Customer intelligence
  • Monthly Financial Report PDF
  • Estimates & estimate-to-invoice conversion
  • Invoice follow-up tracking
  • Customer statement PDF
  • Recurring invoice tracking
  • CSV/PDF exports
Start Pro Plan
Business
$39/mo

Unlimited scale with health monitoring and team access.

  • Unlimited businesses & transactions
  • Unlimited team members
  • Workspace Health Engine
  • Team AI access (150 msgs/mo shared)
  • 6-month trend analysis
  • Bank reconciliation & statement matching
  • Customer concentration insights
  • Per-business PDF breakdown
  • Month-End Carry Forward
  • Full Activity Center — audit history for invoices, bills, and transactions
Start Business Plan View Business plan demo →
See full feature comparison →
FAQ

Questions? We have answers.

Jeramyl is built for freelancers, consultants, small business owners, agencies, and multi-entity operators. If you have income and expenses to track and want clarity on your financial health, Jeramyl is for you.
Your data is encrypted in transit and at rest. We never sell your data and you can export or delete your account at any time from your settings.
Yes — Pro plans support up to 5 separate workspaces and Business plans have no limit. Each workspace has its own books, and you switch between them instantly.
Wave and QuickBooks are strong accounting platforms with broad feature sets. Jeramyl is different: it is built as a simpler, mobile-first bookkeeping assistant for freelancers, small business owners, and multi-business owners who want to capture receipts, track income and expenses, monitor bills and invoices, understand cash flow, and review business health without feeling buried in accounting software. If you need advanced payroll, deep accounting workflows, or a full accountant-led setup, Wave or QuickBooks may be a better fit. If you want an easier way to stay organized from your phone and review your numbers faster, Jeramyl may be a better starting point. Compare Jeramyl, Wave, and QuickBooks →
Jeramyl is not a replacement for your accountant. It keeps your books organized so your accountant has cleaner records to review. Many users pair Jeramyl with a CPA for tax filing and professional advice.
Most users are set up and logging their first transactions within minutes. No complex onboarding, no required bank integration — just create an account and start.
Absolutely. No contracts, no cancellation fees. Downgrade to the free plan or delete your account entirely at any time from your account settings.
Jeramyl combines your recorded business data with AI to help you understand what changed, what may need attention, and what to review next. Answers are grounded in your actual transactions, invoices, bills, customers, and business activity — AI explains them, not invents them. The Free plan includes a Basic AI CFO Snapshot. Pro includes the full AI Financial Assistant (30 messages/month for the workspace owner). Business adds team AI access for the owner and up to 4 assigned members, with 150 shared messages/month.
Yes. The AI Financial Assistant can answer questions about specific customers, expense categories, invoices, and time periods — like "How did this month compare to last month?", "Which invoices are overdue?", or "What did I spend on software last quarter?" It can also help flag items that need review, such as uncategorized transactions or missing receipts. Answers are based on your recorded Jeramyl data only.
Yes. You can open a read-only Business plan demo at app.jeramyl.com/demo — no signup required. The demo uses sample data and includes the dashboard, reports, aging, month-end cleanup, insights, and AI CFO sample answers. Demo AI answers are static sample responses, not live AI or your real data.
Get Started

Stop guessing. Start knowing
your numbers.

Start free and see your income, expenses, receipts, bills, invoices, profit, and cash flow in one simple workspace.

Start for Free

No credit card required.

Why Jeramyl

Clear records. Simple reports.
A better picture of your profit.

Jeramyl keeps your income, expenses, receipts, invoices, and bills organized — so you always know where your business stands, not just at tax time.

Capture everything

Receipt OCR, income, expenses, invoices, and bills — all in one organized workspace.

Know your profit

See net profit, cash flow, and unpaid invoices in plain language — updated as you record transactions.

Stay on top of it

Workspace Health Engine flags overdue items, spending signals, and records that need review before they pile up.

Accountant-ready records

Jeramyl does not replace your accountant. It helps you keep cleaner records so your accountant has better information to review.

Remote-first support
No accounting background needed
Designed for small businesses
Secure financial workspace