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Balancivo · Early access through March 31, 2027

Books you can trust, without a bookkeeper on staff

Balancivo connects to your bank or imports your statements, learns your categories, and keeps real double-entry books: reconciliations, checks, loans, invoices, payroll and CPA-ready financial statements. We built it to keep Gnosis Concepts' own books, and now it's open to small businesses, churches and nonprofits.

See plans · from $15/mo Start a 7-day free trial ↗ Read the quick start guide Help Center: guides and videos Ask about Balancivo

Try it free for 7 days, no card needed. To keep using it, choose a plan here and sign in to balancivo.com with the same email.

Balancivo in two minutes: bank connections and statement import, categories it learns, split transactions, Zelle memos, a check register, reconciliation, reports with charts, a double-entry ledger with your own chart of accounts, loans and mortgages, invoices, payroll and church funds. Shown with sample organizations. Want a step-by-step walkthrough? Watch the tour and read the quick start guide, or find any task in the Balancivo Help Center: step-by-step guides with short videos.
  1. Connect or importLink your bank through Plaid so transactions arrive on their own, or drop in PDF, CSV, OFX and QFX statements, a whole year at once. Duplicates are skipped.
  2. Categorize onceBalancivo remembers your category for each merchant. On Plus, it also reads Zelle memos and lets you split one deposit or payment across categories and funds.
  3. Reconcile and closeCheck off each account against the bank until it reads Balanced, then close the month so shared reports can't change. On Plus, outstanding checks are tracked in a check register.
  4. Report with confidenceProfit and loss, balance sheet, cash flow and a full financial statements package, with your own numbered chart of accounts. On Plus, post journal entries and see the full ledger.

Built for churches and ministries

Restricted funds like Building and Missions, Zelle memos that tell tithes from pledges, clergy housing allowances, a Statement of Activities and year-end donor statements.

Payroll and Form 941

Record pay runs with suggested paycheck taxes from the IRS tables, print pay stubs, and prepare the quarterly Form 941 worksheet. Included in Standard and Plus.

Checks, loans and mortgages Plus

Write checks in the register and they clear when the bank pays them. Loan payments split into principal, interest and escrow, checked against the lender's statement.

Your statements stay private

PDF statements are read on your own computer, and bank connections run through Plaid, so Balancivo never sees your bank password.

Closed months stay closed

Once you close a month, no one can add, edit or delete transactions in it, and every change to your books is recorded in a full history.

Your team, your rules

Invite a bookkeeper or treasurer by email. Owners use two-step sign-in, keep payroll details and finishing reconciliations to themselves, and choose which bookkeepers can post journal entries.

Plans

Plans for one business, or a ministry with several

Every plan includes unlimited statement imports (PDF, CSV, OFX, QFX), categories remembered by merchant, reconciliation, month close, financial statements, funds and budgets, invoices and receipts, and a full change history. Plans differ in people, automatic bank connections, payroll and how many organizations they cover. Plus adds Zelle memos, receipts from email, subscription tracking, journal entries and the ledger, the check register, loans and mortgages, and split transactions.

How the limits work
  • People are counted per organization, including invitations that haven't been accepted yet.
  • Automatic bank connections link an account so transactions come in on their own. On Plus, the 15 connections are shared across your 3 organizations.
  • Payroll counts active employees in each organization: up to 10 on Standard, up to 50 on Plus.
  • Statement imports are unlimited on every plan, so you can always bring in PDF, CSV, OFX or QFX files instead of connecting a bank.

Billing questions

Is there a free trial?

Yes. Create an account at balancivo.com and use it free for 7 days, no card needed. The trial includes every feature, Plus features too, with Standard plan limits. To keep going, choose a plan here and sign in with the same email.

I subscribed before January 1, 2027.

You're a charter subscriber: you keep every feature Balancivo offered on December 31, 2026, including the Plus features, for as long as your subscription stays active. Your plan's limits still apply.

What happens when the trial ends or a payment fails?

Your books stay safe and readable, but no one can make changes until a plan is active. If a payment fails, you have a few days to update your card first.

Can we change plans?

Yes. Add staff to payroll, connect more banks or add an organization by moving up a plan.

How does cancelling work?

Cancel any time by emailing info@agilegnosis.com. You keep access to the end of the period you've paid for. Annual plans are paid upfront and aren't refunded if you cancel before the year ends.

I bought a founding seat before October 13, 2026.

You keep your $15 monthly rate for as long as your subscription stays active.

Prices in USD, plus sales tax where it applies; tax-exempt organizations can attach their exemption certificate at checkout. Annual plans are billed once a year at ten months' price and are non-refundable. Balancivo is a bookkeeping tool, not tax or accounting advice; payroll amounts are estimates for you to review.

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