A double-entry ledger for Canadian small businesses.
For people who already know what a chart of accounts is — and want to stop fighting their software about it.
DATA IN CANADA · AUDIT TRAIL ON EVERY ENTRY · EXPORTABLE ANY TIME
Services rendered · March retainer + overage · terms net-30 · GST/HST collected at 13% (Ontario)
| ACCOUNT | MEMO | DEBIT | CREDIT |
|---|---|---|---|
| 1200 Accounts Receivable | Acme Widgets Co. · INV-2041 | 5,650.00 | — |
| 4000 Revenue · Services | March retainer · 40h @ $125 | — | 5,000.00 |
| 2200 GST/HST Payable | ON 13% · collected on behalf of CRA | — | 650.00 |
| TOTALS | 3 splits · balanced | 5,650.00 | 5,650.00 |
mere.fi keeps the ledger honest. Plaintext in, plaintext out — with a chart of accounts, bank reconciliation, GST/HST, and CRA-ready reports in between. No categories. No "automagic." Nothing that breaks at year-end.
2026-04-17 * "Acme Widgets Co. · INV-2041"
Assets:AR:Acme 5650.00 CAD
Income:Services -5000.00 CAD
Liabilities:GST-Payable -650.00 CADEvery transaction is a set of splits, and the database won't take them until debits equal credits to the cent. No silent rounding. No ghost entries that magically appear in next year's books. If you fat-finger it, mere.fi tells you — in plain English — what's off.
1200 Accounts Receivable INV-2044 5,650.00 — 4000 Revenue · Services retainer — 5,000.00
TOTALS 5,650.00 5,000.00
Drop in a CSV, OFX, or paste from online banking. mere.fi matches each line to a ledger entry — or flags why it can't. Outstanding cheques, deposits in transit, bank fees, and variance, all tracked where they actually belong.
Every invoice and receipt knows its province. HST 13% in Ontario, 15% in Nova Scotia, GST 5% plus provincial where it applies — built in, applied automatically, and rolled up into a return that matches the boxes on GST34.
$ merefi reports trial-balance --period q2-2026 loading · 47 accounts · 238 entries · ∑ $542,188.22 1000 Cash 42,118.60 1200 Accounts Receivable 12,440.00 2200 GST/HST Payable (1,941.36) 4000 Revenue · Services (68,200.00) 5000 Expenses · all 15,582.76 ———————————————————————————————————————————— BALANCED ✓ 0.00 $ merefi plaintext export > books.beancount ▍
Everything the web app does, the merefi CLI does too — scripted, audited, diffable. Export the ledger to beancount, commit it to git, and your books get version history for the first time in their lives.
Three steps. No "setup wizard". Real accounting decisions you make once, then stop thinking about.
Drop in an existing CoA from QuickBooks, Wave, Xero, or a beancount file. Or start from one of the built-in templates — SMB Services, SMB Retail, Bookkeeper — and edit codes from there.
One journal entry, one moment in time. mere.fi walks you through cash, receivables, payables, tax accounts, equity — and won't let you leave the screen until DR = CR.
TD, RBC, Scotia, BMO, CIBC, Tangerine, EQ — direct feeds via Flinks. Anything else: paste CSV, OFX, or a PDF statement. Reconciliation starts the moment lines arrive.
Every surface reads and writes the same double-entry ledger. All six are included with every plan — no add-ons, no locked tiers.
Five classes. Your account codes. Unlimited depth. Archive without losing history.
/accountsJournal entries with 2+ splits. Enforced at the API. Editable until posted, audit-trailed after.
/journalsStatements in, matched lines out. Outstanding tracked. Variance surfaced. No auto-magic.
/reconcileGST/HST by province. Input tax credits. Corporate provision. All CRA-form-aware.
/tax/gst-returnTrial balance, income statement, balance sheet, cash flow. Any period. Exportable.
/reportsTokenized. Scriptable. Diffable. Every web op is a CLI op. Pipes to jq.
docs/cli/README.mdThis page went up before we had our first production customer. The ledger is real — the code for every claim above is already shipping. What isn't real yet: customer testimonials, glowing case studies, a "trusted by" logo wall. If you're a bookkeeper, CPA, or SMB owner willing to try a ledger in public beta, we'd like to hear from you.
$30/month per entity. Free while you try — no card to start. Your first year of archived books is on us, in plaintext, in git, wherever you keep them.
DATA IN CANADA · AUDIT TRAIL ON EVERY ENTRY · EXPORTABLE ANY TIME · A SAWFWAIR PRODUCT