# fileLedger by fileAI — Agent plans that read invoices and bank statements and post them into your Xero or QuickBooks books. > Source: Tick Mark Books — https://tickmarkbooks.com/fileai (structured, researched, re-verified) fileLedger is fileAI's bookkeeping automation product: AI agents read invoices, bills and bank statements in any layout and post the extracted data into Xero or QuickBooks. It is sold as per-agent monthly plans with a monthly allowance of completed flows. **Best for:** Small accounting firms drowning in client invoices and statements that already run on Xero | Fact | Value | | --- | --- | | Website | https://file.ai/ | | Category | AI bookkeeping for QuickBooks and Xero, Bookkeepers and accounting firms, Cheapest accounting software, Freelancers and the self-employed, Small businesses, Works with Xero | | Open source | No | | Price | $13 a month | | Price checked | 28 October 2026 | Screenshot of fileLedger by fileAI: https://tickmarkbooks.com/img/1920/screenshots/fileai.webp, captured 27 October 2026 **What we checked** - Pages last read: 28 October 2026 - Price on its site: From $13 a month (From its pricing page) ## What it costs A month of books at 100 transactions: $40 a month at 100 transactions, on Bank Statement Agent — Lite, on Xero Early ## fileLedger by fileAI price and plans Prices excluding tax, as fileLedger by fileAI publishes them. | Plan | Price | What's included | | --- | --- | --- | | Bank Statement Agent — Lite, on Xero Early | $13 a month | Flat fee; Needs Xero Early, $27 a month | | Bank Statement Agent — Lite, on QuickBooks Online Simple Start | $13 a month | Flat fee; Needs QuickBooks Online Simple Start, $38 a month | | Bank Statement Agent — Standard, on Xero Early | $24 a month | Flat fee; Needs Xero Early, $27 a month | | Purchase-to-Ledger Agent — Lite, on Xero Early | $13 a month | Keeps no full set of books; Flat fee; Needs Xero Early, $27 a month | | Purchase-to-Ledger Agent — Standard, on Xero Early | $43 a month | Keeps no full set of books; Flat fee; Needs Xero Early, $27 a month | Pricing page as we captured it: https://tickmarkbooks.com/img/1920/screenshots/fileai/pricing.webp, captured 27 October 2026 Read on https://www.file.ai/platform/fileledger, 28 October 2026. ## What fileLedger by fileAI costs at your volume | Transactions | Cost | Plan | | --- | --- | --- | | 100 | $40 a month | Bank Statement Agent — Lite, on Xero Early | | 500 | $40 a month | Bank Statement Agent — Lite, on Xero Early | ## What we checked on fileLedger by fileAI ### What it costs to keep your books **Cost at 100 transactions a month** · Yes — $40 a month on Bank Statement Agent — Lite, on Xero Early for 100 transactions. Includes Xero Early at $27 a month, which Bank Statement Agent — Lite, on Xero Early needs. > $13USD per month 50 flows a month > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Bank Statement Agent selected, Lite card, checked 27 October 2026 **Cost at 500 transactions a month** · Yes — $40 a month on Bank Statement Agent — Lite, on Xero Early for 500 transactions. Includes Xero Early at $27 a month, which Bank Statement Agent — Lite, on Xero Early needs. > $13USD per month 50 flows a month > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Bank Statement Agent selected, Lite card, checked 27 October 2026 **Cost for a solo freelancer** · Partly — The cheapest published plan is $13 a month for one agent with 250 flows, which covers a freelancer's volume, but the Xero or QuickBooks subscription that holds the books is paid separately. > $13USD per month 250 flows a month > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Purchase-to-Ledger agent, Lite plan card, checked 28 October 2026 **Promotion and regular price** · No — none: the plan cards show $13 and $43 a month as standing prices, with no promotional rate, countdown or struck-through figure; a 2026 launch offer that doubled the allowance closed on 31 August 2026. > Sign up for our standard plan before August 31st 2026 and we’ll double your page allowance > — https://www.file.ai/blog/meet-fileledger-the-most-advanced-ai-bookkeeping-solution-on-the-market · Section 'A launch deal worth grabbing', checked 28 October 2026 **Ledger included** · No — The plans buy document capture and posting only; each plan names Xero and QuickBooks as integrations, and the vendor's docs describe exporting into your own connected Xero organization. > The Xero export integration connects a Xero organization to fileAI so you can send extracted financial data straight into Xero. > — https://docs.file.ai/deliver/xero-export · Xero export, opening paragraph, checked 28 October 2026 **What the price is based on** · Partly — fileLedger is a flat monthly fee per agent with a monthly allowance of completed flows, while the underlying platform meters per page and per completed run. > Each plan covers one agent. You can add more agents later from billing. > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, 'Choose an agent' note above the plan cards, checked 28 October 2026 **Users included** · Yes — Every fileLedger plan lists unlimited users, and the billing documentation repeats that no limit applies to users or workspaces, so extra seats carry no stated cost. > Unlimited users > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, 'Every plan includes' list on the Lite and Standard cards, checked 28 October 2026 **Past your plan’s limits** · Partly — When the allowance runs out in the app, processing continues through a one-time or automatic top-up, but no price per extra flow past a plan's monthly allowance is published. > Keep processing by either: making a one-time top-up, or turning on automatic top-ups so your balance stays active. > — https://docs.file.ai/account/billing · Section 'When you run out of credits in the app', checked 28 October 2026 **Catching up past months** · Partly — A published customer account describes year-end catch-up as a single bulk upload with duplicates discarded free of charge, so catch-up consumes plan flows rather than a separate fee, but no catch-up service or price is offered. > For year-end catch-ups, clients drop their files into a shared folder. The accountant downloads the folder in full and uploads it to fileAI as a single batch. > — https://www.file.ai/customers/yh-digital-bookkeeping · Customer story, 'Continuous document ingestion' section, checked 27 October 2026 **Notice before a price rise** · Yes — The self-serve subscription terms promise at least 30 days' notice before any fee increase takes effect, and allow canceling before the renewal date instead. > fileAI may change Subscription Fees at renewal. We’ll give you at least 30 days’ notice before any increase takes effect. > — https://www.file.ai/legal/legal-terms · Part 2 Subscription Terms, section 5.5 Fee changes, checked 28 October 2026 ### What the AI does with your books **What the AI does** · Yes — AI agents classify files without templates, pull line items into defined schemas, match three to five related documents and route exceptions, on every published plan. > AI agents capture and reconcile your data with audit-ready accuracy, so your finance team spends less time on data entry and more on analysis. > — https://www.file.ai/platform/fileledger · Hero introduction paragraph, checked 28 October 2026 **What the AI costs** · Yes — included: the AI extraction and validation is what the monthly plan buys, and the vendor states model calls and tokens are never billed on top of a completed outcome. > Technical failures, duplicates fileAI caused, reruns fileAI triggered, and tokens and model calls are never billed. > — https://www.file.ai/pricing · Section 'How outcome-based pricing works', intro line, checked 28 October 2026 **Categorizes transactions** · Yes — Every plan lists automated account-code tagging, and the vendor says teams feed business rules back in plain language so extraction and validation sharpen over time. > Automated GL code tagging > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, 'Every plan includes' list, Lite card, checked 28 October 2026 **Reconciles your accounts** · Partly — It matches three to five related documents and feeds statement lines into Xero's Reconcile tab, but the vendor states reconciliation itself still happens in Xero with a person confirming matches. > it doesn’t change how reconciliation works, and it isn’t a fully automated “set and forget and never look at it again” system > — https://www.file.ai/blog/fileai-xero-bank-feeds · Section 'Does fileAI reconcile transactions in Xero automatically?', checked 28 October 2026 **Reads receipts and bills** · Partly — Receipts can be uploaded, emailed or captured on a phone and classified line by line against policy, but the Expense Report Agent that packages this work is marked coming soon on the plan picker. > Upload receipts, invoices, expense reports, and card statements directly or by email and mobile capture. Classify each line item by category and cost center. > — https://www.file.ai/platform/fileledger · Agents & Core capabilities, 'Accounting system-ready expense reports' panel, checked 28 October 2026 **Pays your bills** · Partly — Bills are captured, validated against rules and routed for approval before being posted to the accounting system, but no payment execution or bank disbursement is documented. > Post approved entries into your accounting system. Route exceptions to the required approver. > — https://www.file.ai/platform/fileledger · Agents & Core capabilities, expense report panel, 'Push final report into accounting ledger', checked 28 October 2026 **Sends invoices** · Partly — Sales invoices captured by fileAI export straight into a connected Xero organization, so sending and chasing them stays in Xero; no payment-to-invoice matching is documented. > Sales invoices Exported directly to your connected Xero organization. > — https://docs.file.ai/deliver/xero-export · Table 'What you can export', Sales invoices row, checked 28 October 2026 ### Who checks the AI’s work **People check the books** · No — Review is built into the product for your own staff: exceptions route to the customer's team when a validation rule fails, and no vendor-side bookkeeper checks the work. > fileLedger comes with a built-in review UI, and here’s the key bit: exceptions route to your team when a validation rule or checklist item fails > — https://www.file.ai/blog/meet-fileledger-the-most-advanced-ai-bookkeeping-solution-on-the-market · Section 'Real AI, working hand-in-hand with real people', checked 28 October 2026 **Your own bookkeeper** · No — The only dedicated people fileAI offers are an account management or customer success team on the Enhanced support tier; the enumerated dedicated resources include no bookkeeper or accountant. > Enhanced customers are assigned a dedicated Account Management (AM) or Customer Success Management (CSM) team as their primary relationship contact at fileAI. > — https://www.file.ai/legal/support-policy · Support Policy, Section 4 Dedicated Account Team — Enhanced Plan Only, checked 27 October 2026 **Your accountant can sign in** · Yes — Unlimited users on every published plan means an outside accountant or bookkeeper can be invited from Settings and Members at no additional per-seat cost. > Unlimited users > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, 'Every plan includes' list, Standard card, checked 28 October 2026 **Accuracy the vendor claims** · Partly — Marketing claims audit-ready and high accuracy, and one customer page claims 90% time saved, while the documentation concedes mistakes happen and no measurement method is published. > fileAI is built to extract accurately, but like any AI system it can make mistakes. > — https://docs.file.ai/faqs · FAQ entry 'How accurate is fileAI?', checked 28 October 2026 ### Where your books live and what it connects to **Xero** · Yes — Both Lite and Standard plans name Xero and QuickBooks integrations, and the docs detail the Xero connection in full > Xero, Quickbooks integration > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Purchase-to-Ledger Lite card, Outcome list, checked 28 October 2026 **QuickBooks Desktop** · No — nothing documents QuickBooks Desktop or NetSuite support. > Xero, Quickbooks integration > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Purchase-to-Ledger Lite card, Outcome list, checked 28 October 2026 **NetSuite** · No — nothing documents QuickBooks Desktop or NetSuite support. > Xero, Quickbooks integration > — https://www.file.ai/platform/fileledger · fileLedger subscription plans, Purchase-to-Ledger Lite card, Outcome list, checked 28 October 2026 **Bank and card feeds** · Partly — Transactions come from statements fileAI reads and pushes into Xero's Reconcile tab on a schedule, not from a direct connection to the bank, and the feed path is documented for Xero only. > fileAI reads your bank statement (PDF, CSV, any format your bank sends), extracts every transaction accurately, and delivers it directly into your Xero Reconcile tab > — https://www.file.ai/blog/fileai-xero-bank-feeds · Section 'What is the fileAI x Xero Bank Feeds integration?', checked 28 October 2026 **Stripe** · No — The documented connector list runs to file stores, email, Xero, the API and the MCP server, leaving Stripe, Shopify, PayPal, Square and Gusto outside what the vendor says it connects to. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **Shopify** · No — The documented connector list runs to file stores, email, Xero, the API and the MCP server, leaving Stripe, Shopify, PayPal, Square and Gusto outside what the vendor says it connects to. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **PayPal** · No — The documented connector list runs to file stores, email, Xero, the API and the MCP server, leaving Stripe, Shopify, PayPal, Square and Gusto outside what the vendor says it connects to. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **Square** · No — The documented connector list runs to file stores, email, Xero, the API and the MCP server, leaving Stripe, Shopify, PayPal, Square and Gusto outside what the vendor says it connects to. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **Gusto payroll** · No — The documented connector list runs to file stores, email, Xero, the API and the MCP server, leaving Stripe, Shopify, PayPal, Square and Gusto outside what the vendor says it connects to. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **Payroll** · No — none: payroll is absent from the agent list, the plan features and the documented connector inventory, which names file stores, email, Xero, the API and the MCP server. > Yes. fileAI connects with: Google Drive and Google Sheets, Dropbox, OneDrive, Email, Xero (Xero export), The API and the MCP server > — https://docs.file.ai/faqs · FAQ entry 'Can I connect fileAI to my existing tools?', checked 28 October 2026 **Platforms** · Partly — web: the app runs in a browser at orion.file.ai, and expenses can be submitted through a mobile-friendly app and mobile capture, while no Windows, Mac, iOS or Android application is named. > Go to orion.file.ai and click Sign Up. > — https://docs.file.ai/account/workspace-setup · Section 'Sign up', step 1 'Create your account', checked 28 October 2026 **Getting your books out** · Partly — Extracted data downloads as XLSX, XLS, CSV, JSON or PDF and customer data can be exported within 30 days of termination, but the books themselves live in Xero or QuickBooks. > you may request export of Customer Data within 30 days of termination, after which fileAI may delete it > — https://www.file.ai/legal/legal-terms · Part 2 Subscription Terms, section 9.3 Effect of termination, clause, checked 28 October 2026 ### Taxes **Calculates sales tax** · Partly — Exports apply the tax codes a customer configures for the integration so the same mapping repeats, but no tax rate calculation or state-by-state liability tracking is described. > Exports use the accounts, tax codes and tracking categories you have configured for the integration, so the same mapping is applied every time. > — https://docs.file.ai/deliver/xero-export · Section 'What you can export', paragraph below the table, checked 28 October 2026 ### What it keeps track of **Other currencies** · Partly — A currency is chosen when a bank feed is set up, and over 200 languages are handled, but no page describes invoicing or keeping accounts in several currencies at once. > Pick a currency and start date for the feed to begin, and toggle sync schedule and auto-export settings. > — https://www.file.ai/platform/fileledger · Agents & Core capabilities, bank feed panel, 'Set up export schedule', checked 28 October 2026 **Profit by project or job** · Partly — Exports carry the tracking categories configured for the integration, and expense lines are classified by cost center, so project reporting happens in the accounting system rather than here. > Classify each line item by category and cost center. > — https://www.file.ai/platform/fileledger · Agents & Core capabilities, expense report panel, 'Submit expenses with mobile-friendly app', checked 28 October 2026 ### Your data and its security **SOC 2 report** · Yes — The trust center lists SOC 1 and SOC 2 compliance with a SOC 1 and SOC 2 Type II audit status letter from Sensiba dated October 2026, available by requesting access. > SOC 1 & SOC 2 Type II Audit Status Letter (Sensiba, Oct 2026) > — https://trust.file.ai/ · Resources list on the Trust Center overview, checked 28 October 2026 **Your data trains AI** · No — The privacy policy states document content and account data are not used to train AI models without explicit consent; only non-identifying usage and aggregated data may do so. > Usage Data and Aggregated Data (non-identifying) may train AI models. Personal account data or document content is not used to train AI models without explicit consent. > — https://www.file.ai/legal/privacy-policy · Section 11 'AI Processing and Automated Decision-Making', checked 28 October 2026 ### Who it is built for **For accounting firms** · Partly — The product is addressed to bookkeepers and accounting firms and supports several accounting connections for different clients, but no firm-specific pricing, client dashboard or white-label branding is published. > Whether you’re a two-person bookkeeping firm or a multinational accounting firm, fileLedger flexes to fit. Need multiple ERP or accounting integrations to serve different clients? > — https://www.file.ai/blog/meet-fileledger-the-most-advanced-ai-bookkeeping-solution-on-the-market · Section 'Priced for real businesses, not just the big ones', checked 28 October 2026 **Several businesses** · Partly — Billing is per processed volume with no limit on workspaces or users, so several entities can be kept apart, but no page states what a second entity or Xero organization adds to the bill. > fileAI bills for what you process, with no limits on users or workspaces. > — https://docs.file.ai/account/billing · Billing and credits, opening paragraph, checked 28 October 2026 **Australia** · Partly — Sold internationally from Singapore with a US entity, Americas business hours and regional hosts for Australia, Singapore and Japan no page claims US, Canadian, UK or Australian tax or bank coverage. > If a customer’s billing address in the applicable Order Form is located in the Americas, “Business Hours” means Monday through Friday, 9:00 AM to 6:00 PM Eastern Time (ET) > — https://www.file.ai/legal/support-policy · Section 2.2 Email Support, checked 28 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Partly — New self-serve workspaces start on a trial and developer accounts get $7 of credit, roughly 460 pages, but no standing free plan is published for fileLedger. > New self-serve workspaces start on a trial so you can try fileAI before you commit. > — https://docs.file.ai/account/billing · Section 'fileAI app', first line, checked 28 October 2026 **Sign up without a sales call** · Partly — Accounts and trials are created without a call and the terms describe a self-serve subscription channel, yet every Select Plan button on the fileLedger cards leads to the demo booking form. > These Subscription Terms apply when you create a fileAI account and subscribe to our services through our self-serve channel. > — https://www.file.ai/legal/legal-terms · Part 2 Subscription Terms, opening paragraph, checked 28 October 2026 **Contract and cancelling** · Partly — Monthly and annual terms both renew automatically, and stopping renewal needs at least 30 days' notice through account settings or support, with fees already paid non-refundable. > You may (a) stop renewal, or (b) change your Pricing Plan effective from your next renewal date, in either case by giving at least 30 days’ notice before the renewal date > — https://www.file.ai/legal/legal-terms · Part 2 Subscription Terms, section 9.1 Subscription Term and renewal, checked 28 October 2026 **Support** · Yes — English email and in-platform live chat reach a person, with first replies in 24 hours or 4 hours by tier during weekday business hours; no telephone channel is listed. > Both tiers include access to the fileAI Knowledge Base, English-language email support, live chat, and proactive platform alerts. > — https://www.file.ai/legal/support-policy · Section 1 Support Tiers, checked 28 October 2026 ## fileLedger by fileAI alternatives - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [Expensify](https://tickmarkbooks.com/expensify) · Free plan, then $5 a seat a month: Receipt scanning, company cards, bill pay and reimbursements that feed QuickBooks, Xero or NetSuite. - [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online) · Free plan, then $38 a month: Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors. - [Xero](https://tickmarkbooks.com/xero) · From $27 a month: Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan. 6 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/fileai/alternatives/) ## Sources and changes Last changed 27 October 2026 **Sources** (15) - https://www.file.ai/platform/fileledger, read 28 October 2026 - https://docs.file.ai/faqs, read 28 October 2026 - https://www.file.ai/legal/legal-terms, read 28 October 2026 - https://docs.file.ai/account/billing, read 28 October 2026 - https://docs.file.ai/deliver/xero-export, read 28 October 2026 - https://www.file.ai/blog/meet-fileledger-the-most-advanced-ai-bookkeeping-solution-on-the-market, read 28 October 2026 - https://www.file.ai/legal/support-policy, read 28 October 2026 - https://www.file.ai/blog/fileai-xero-bank-feeds, read 28 October 2026 - https://trust.file.ai/, read 28 October 2026 - https://docs.file.ai/account/workspace-setup, read 28 October 2026 - https://docs.file.ai/authentication, read 27 October 2026 - https://docs.file.ai/concepts, read 27 October 2026 - https://www.file.ai/customers/yh-digital-bookkeeping, read 27 October 2026 - https://www.file.ai/legal/privacy-policy, read 28 October 2026 - https://www.file.ai/pricing, read 28 October 2026 ## Is this yours? Claim fileLedger by fileAI: https://tickmarkbooks.com/claim/fileai Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: fileLedger by fileAI (fileai)".