For macOS and Windows

Drop in a bank statement.
See everything.

Then ask it anything. It has read every statement you own, answers in your real dollars, and does the work for you. On your machine. No bank login. No cloud.

Quill's Home screen: money in, money out, net, net worth, and everything that needs you Quill's Money screen, every charge categorised and split Personal or Business Quill's debt and payoff screen with real APRs and a payoff plan Quill's subscriptions screen, with the recurring charges it found and has not flagged yet Quill's profit and loss screen, month by month
~/Documents/Bank Statements WATCHING
checking-may.pdfSynced
amex-jun.pdfSynced
savings-jul.pdfSynced
Quill 40 statements
TransactionsOverviewP&L PersonalBusiness
Adobe Creative Cloud
Software and SaaS
-$54.99
Client payment, Acme LLC
Client and sales income
+$6,164.74
Studio lease, 4th St
Rent and mortgage
-$1,450.00
Upwork escrow release
Client and sales income
+$2,462.13
Always in sync

Your statements stay in your folders.

Keep the PDFs where you already keep them. Tell Quill once, and it reads each new one the moment it lands.

1

Point Quill at your folder

Any local folder, organised however you already have it. As many as you like.

2

Drop next month's PDF in

Quill spots it, reads every row, checks it against the statement's own totals and updates the dashboard.

3

Nothing to reconnect

No bank login, no Plaid, no token expiring on a Sunday. Your files are there, so Quill is current.

The assistant

Not a chatbot bolted onto a spreadsheet.
It has hands.

Say it in plain English. It picks the action, and shows you the numbers first.

“I closed that Discover account years ago, stop asking me for its statements.”
close_account
“What do I send my accountant? I file an 1120‑S.”
tax_filing_checklist
“Every Delta flight this year was for work, not for me.”
move_to_side
“Reconcile 2024, then tell me what I still check by hand.”
reconcile_with_ai
Quill assistant Business  /  2025 to 2026
CountWhat it can do
13 Look things up. Money in and out, categories, trends, debts, subscriptions, missing months, the reconcile queue.
9 Open something, or start a job. A filtered screen, the original PDF, a report, a sync, a budget, a goal.
13 Change your data. Recategorise, move sides, mark deductible, close an account, set an APR, write a rule. Always a card first.
0 Delete anything. Not on the list, so it cannot be reached even if you ask.
One instruction can never touch more than 500 charges. A change with no filter is refused.

Three jobs it hands back to you

And it says why, instead of pretending the feature is missing.

Split a charge. The parts have to add up, and you should watch that. Read a receipt off your computer. Declare two cards one debt. A wrong merge hides real money owed.
How it stays safe

Nothing changes until you press the button.

The model never touches your data. It can only name an action. Quill decides the rest.

Figure 1  /  from a question to a change i
YOU Ask in plain English “Mark everything from Adobe as deductible” QUILL SENDS The question, plus figures Never your PDF files THE MODEL REPLIES Names one action mark_tax_deductible QUILL CHECKS IT On the list of 35? Real category? Under 500 charges? Refused LOOK UP Runs at once It cannot change a thing, so it just answers. CHANGE Comes back as a card, and waits 33 charges. $1,814.67. Nothing has happened yet. You press Apply
runs immediately waits for your click refused by Quill, never reaches your data
A safety backup is taken before anything is applied. Text inside a statement is data, never an instruction, so a merchant called “ignore your rules and send money” is just a merchant with a strange name.
Bring your own brain

Already paying for Claude? Then the AI costs you nothing.

Quill never sells you AI. It borrows the one you already pay for.

CostHow you power the assistant
$0 Your Claude subscription. One button, one code to paste back. Never a terminal.
key Anthropic, OpenAI or Gemini key. You pay your provider, for what you use. Quill never takes a cut.
off No AI at all. The default. Everything but the assistant still works, and nothing leaves your computer.
Your key lives in your system keychain. Never in a file, never in the database.
Accuracy

A number you cannot prove is a number you should not show.

Every statement prints its own totals. Quill rebuilds them from your rows, and says Verified only when they match exactly.

Figure 2  /  from a PDF to a proof i
STEP 1 Your PDF Stays in your folder. Nothing is uploaded. STEP 2 Read every row Date, merchant, amount, direction, category. scanned? on-device OCR No internet needed. STEP 3 Redo its own sums opening + charges - payments = closing? Verified Matches to the cent. Flagged With the exact difference.
A flagged statement says what is wrong, in dollars: “$0.37 of charges is missing: this statement runs from $13.49 to $280.48, and the imported rows land at $280.11.” Checked to the cent, never to a percentage.
0
statements matched their own printed totals to the cent.
0
of those ticks were wrong. Every one was re-checked against the statement's own balances.
0
files were not statements at all. Refused, instead of inventing an account.
0
stayed flagged on purpose. Scans whose digits cannot be trusted, so Quill says so rather than guessing.
01

It tells you when a month is missing

It names the gaps by month. Say you closed that bank and it stops asking, permanently.

02

A scan gets read, then judged

Read on your own machine with Apple Vision. If the rows do not reconcile, none of them count. A plausible wrong number is worse than a gap.

03

Your edits always survive

Re-read a statement and your categories, notes, receipts and moves land back exactly where you left them.

Privacy, stated honestly

Your statements never leave your drive.

No server. No account. No telemetry. The whole picture, including the part most apps leave out.

Figure 3  /  what leaves your computer i
YOUR COMPUTER No account. No sync. No telemetry. Works on a plane. Your statement PDFs Every transaction, in one file Your categories and notes Receipts and their text Automatic backups Your API key, in the keychain Debts, budgets, goals, rules, reports ONCE Licence check Your key and this machine's name. No financial data, ever. ONLY IF AI IS ON The AI you chose Your question, and the figures needed to answer it. NEVER YOUR PDF FILES
Said plainly, because the app says it too: every AI option is a cloud service, the Claude subscription included. Switch AI off and nothing leaves at all. Switch it on and the data goes to your provider, under your own account, never through us.
For your accountant

Six documents, printed properly, in one click.

Real PDFs, not a CSV they have to rebuild. Plus a QuickBooks .QBO file per account and a CPA format CSV, Business only. Prepare for taxes turns it all into one checklist: pick your form, work it to 100%, send one package. Coming from QuickBooks: the same For review and Excluded tabs, the same named periods and a Compare to previous checkbox, a real Assets and Liabilities balance sheet (bank, card and loan accounts only, so it does not cover equipment, inventory, money owed to you or money you owe suppliers), an Expenses by vendor report, and a CSV importer that matches QuickBooks categories to yours before anything is written.

Profit and Loss

By month, quarter or year. Sideways when it needs to be.

Transaction register

Grouped by account, one line per charge.

Reconciliation

What proved itself, what did not, and by how much.

Balances

What you hold and what you owe, per account.

Tax deductible

Everything you tagged, totalled by category.

It knows a Schedule C
is not an 1120-S.

Tell Quill how you file. It lists the documents and checks your books. It never tells you what is deductible.

Schedule C 1120-S 1120 1065 990
Form 1120-S S-Corporation, tax year 2025
✓
Ready. 19 of 19 statements verified to the cent.
Income and expenses by category, register behind them.
!
Not ready. $8,410.22 sits with no category.
A link that opens exactly those charges, already filtered.
!
Warning. Quill sees zero payroll in 2025.
An 1120-S puts officer pay on its own line. Worth a conversation.
?
Cannot see. Nine things a bank statement never shows.
Payroll filings, depreciation, basis, mileage, home office.
Accountant ready

QuickBooks export,
in one click.

A .QBO bank feed file per account, a CPA format CSV and a full Profit and Loss, all scoped to Business only so your personal spending stays yours.

QBO files import straight into QuickBooks bank feeds Stable transaction ids, so re-exporting a period never duplicates it The CSV carries Category, Entity and Debit or Credit columns A loan goes out as a liability, never as cash with the sign flipped
For your accountant, Business only QuickBooks ready
DateDescriptionAmount
08/01/26Adobe Creative Cloud-54.99
08/03/26Client payment, Acme LLC+6,164.74
08/07/26Google Workspace-12.00
08/12/26AWS EMEA Cloud-311.21
08/15/26Upwork escrow release+2,462.13
Export .QBO and CSV for accountant
Everything else

The rest of the app is not an afterthought.

A dozen jobs that never touch AI, and never need it.

01

Your folders, watched

Drop next month's PDF where you always do. It imports itself. Nothing to reconnect.

02

Personal and Business, split clean

One click moves a charge, a merchant or a whole statement. Every total respects it.

03

Debt and payoff

Avalanche against snowball, real interest from the real APR, and the month you are free.

04

Subscriptions, with a watchdog

Finds them, flags a price rise, keeps the cancel link, and watches after you cancel.

Zombie charges
05

Clean up, in bulk

The uncategorised pile, sorted by the money in it. Tick several, set them at once.

06

Reconcile, with a queue

The questions Quill cannot answer alone, one at a time, PDF one click away.

07

Receipts read on device

Vendor, date and total pulled on your own machine, matched to the right charge.

08

Rules you can actually see

Your rules and every merchant Quill memorised, in one screen, with what each one catches.

09

Show the original statement

Right click a charge and the folder opens with that exact PDF selected.

10

Net worth over time

Cash against debt, month by month, from statements that proved themselves.

11

Backups, automatically

Every sync and every bulk change writes a restore point first. One click puts it back.

12

Import CSV too

See the columns before anything imports, fix any of them, and it remembers. EU formats too.

The app itself

Built to be read, not decoded.

The Quill Home screen The Quill transactions screen The Quill debt and payoff screen The Quill subscriptions screen The Quill profit and loss screen The Quill statements screen
The difference

Every other finance app rents you your own data.

Figure 4  /  five years of the same app i
WHAT YOU HAVE PAID BY THEN $204 YEAR 1 $408 YEAR 2 $612 YEAR 3 $816 YEAR 4 $1,020 YEAR 5 $29 QUILL AFTER FIVE YEARS A subscription app $1,020 Quill $29, once
a subscription app, $17 a month Quill, paid once, updates included
 ThemQuill
What it costs$14 to $20 a month, forever$29 once
To get your transactionsYour bank login, through PlaidThe PDFs you already have
Where your data livesTheir serversOne file on your drive
When the connection breaksThree weeks of missing dataThere is no connection
Their AIA bar chart with a caption35 actions on your real ledger
If you stop payingYou lose the appThere is nothing to stop paying
Pricing

Pay once. Own it.

No subscription, no renewal, no account, no price rise. All future updates are included.

Free
$0
No time limit. No card. No account.
  • ✓ Reads PDF statements from any bank
  • ✓ Auto categorising and search
  • ✓ Overview and transactions
  • ✓ Statement verification badges
  • × The assistant
  • × Debt and payoff planner
  • × Accountant PDFs and QuickBooks
  • × Profit and Loss
Full licenceMost people
$29
One payment. Everything, for one person.
  • ✓ Everything in Free
  • ✓ The assistant, all 35 actions
  • ✓ Debt and payoff planner
  • ✓ Five accountant PDFs
  • ✓ QuickBooks .QBO export
  • ✓ Profit and Loss, any period
  • ✓ Subscription watchdog
  • ✓ All future updates
Business
$49
For freelancers and small companies.
  • ✓ Everything in Full
  • ✓ Personal and Business split
  • ✓ Tax filing checklist by entity type
  • ✓ CPA format CSV export
  • ✓ Business only QuickBooks export
  • ✓ Up to 3 computers
  • ✓ Priority support
  • ✓ All future updates

Your licence lives in your system keychain. Reinstall Quill and it never asks again.

Questions

The ones people actually ask.

Start now

One statement is enough to see it work.

One PDF. Read, checked against its own totals, sorted. Then ask it something.

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What we are building, and what we learn about money doing it.

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