Accounting

Accounting Skill

Process financial documents and generate a comprehensive, beautiful HTML report with subscription audits, expense categorization, bookkeeper cross-referencing, and actionable insights.

When to Use This Skill

• End of year financial review
• Monthly bookkeeping catch-up
• Subscription audit (find what to cancel)
• Preparing documents for your accountant
• Cross-referencing bookkeeper work against raw statements
• Understanding where your money is going
• Flagging personal expenses on business cards

What This Skill Produces

A single, self-contained HTML report with:

1. Executive Dashboard — KPI cards with revenue, expenses, profit, cash position
2. Monthly Spending Trend — Visual bar chart of monthly spend
3. Expense Categories — Horizontal bar breakdown by category
4. Subscription Audit — Every recurring charge with monthly/annual cost and keep/review/cancel verdict
5. Contractor Summary — Who got paid what, when, and for what
6. Revenue Sources — Where income comes from with concentration risk flags
7. Bookkeeper Categorization Audit — Flags miscategorized expenses (if bookkeeper data provided)
8. Personal Expense Flags — Items on business card that should be personal draws
9. Cash Dividend / Owner Draw Tracker — Monthly visualization
10. Tax Position — Outstanding items, refunds owed, payables
11. Year-over-Year Comparison — If prior year data available

How to Use

Step 1: Gather Your Documents

Create a folder with your financial documents. The skill works with:

Bank Statements (PDF or CSV)

• Checking/chequing account statements
• Credit card statements
• Multi-currency accounts (Wise, PayPal, etc.)

Invoices (PDF)

• Contractor invoices
• Vendor receipts
• Payment confirmations

Bookkeeper Files (optional but powerful)

• Profit & Loss statement (PDF)
• Balance Sheet (PDF)
• General Ledger (XLSX/CSV)
• Trial Balance (PDF)

Step 2: Tell Claude Where to Find Them

/accounting

My financial docs are in ~/Documents/Accounting/2025/
- Bank statements in /Statements/
- Credit card statements in /Credit Card/
- Invoices in /Invoices/
- Bookkeeper package: ~/Downloads/financials.pdf
- General ledger: ~/Downloads/general-ledger.xlsx

Or for a quick subscription audit:

/accounting

Just audit my subscriptions from these credit card statements:
~/Documents/CC-Statements/

Step 3: Get Your Report

The skill generates a single HTML file you can open in any browser. No dependencies, no server needed.

Instructions

When the user triggers this skill, follow this workflow:

Phase 0: First-Time Setup

Check if ~/.claude/skills/accounting/config.json exists.

If it exists: Load settings and proceed to Phase 1.

If it does NOT exist:

1. Greet the user:

   Welcome to /accounting! Let's do a quick setup. This takes 30 seconds and only happens once.
   

2. Ask for:

   • Business name (for the report header)
   • Business entity type (Corporation, Sole Prop, LLC, etc.)
   • Primary currency (USD, CAD, EUR, GBP, etc.)
   • Fiscal year end (Dec 31, Mar 31, etc.)

3. Save to ~/.claude/skills/accounting/config.json:

   {
     "businessName": "Acme Corp",
     "entityType": "Corporation",
     "currency": "USD",
     "fiscalYearEnd": "Dec 31",
     "setupComplete": true,
     "setupDate": "2026-04-01"
   }
   

4. Confirm and proceed:

   Setup complete! Running /accounting now...
   

Phase 1: Discovery

1. Locate all financial documents in the folder(s) the user specified
2. Identify document types — bank statements, credit card statements, invoices, bookkeeper files
3. Report what you found before processing:

   Found:
   - 12 bank statements (PDF, Jan-Dec)
   - 12 credit card statements (PDF, Jan-Dec)
   - 28 invoices across 9 months
   - 1 bookkeeper P&L (PDF)
   - 1 general ledger (XLSX, 2100+ rows)
   
   Processing all of these. This will take a few minutes.
   

Phase 2: Data Extraction

Process all documents in parallel where possible using Agent subagents:

Bank Statements

• Read every page of every PDF
• Extract: date, description, withdrawal, deposit, balance
• Handle multiple account types on same statement
• Handle French/English bank formats (Desjardins, TD, RBC, BMO, Chase, BofA, Wells Fargo, etc.)
• Handle CSV exports from online banking

Credit Card Statements

• Read every page — statements are often 3+ pages
• Extract: transaction date, posting date, vendor name, amount
• Handle multiple cards on same statement
• Identify credits/refunds (marked CR or negative)
• Capture statement-level totals for cross-checking

Invoices

• Read page 1 of each PDF
• Extract: date, invoice number, vendor, line items, subtotal, tax, total, currency
• Handle various invoice formats (formal invoices, transfer confirmations, receipts)

Bookkeeper Data (if provided)

• Parse P&L for official revenue, expense categories, and profit
• Parse Balance Sheet for cash position, liabilities, equity
• Parse General Ledger (XLSX) for transaction-level detail:
  • Extract all account categories (the "Split" or "Account" column)
  • Sum by category
  • Identify what's in each category for the audit

Phase 3: Analysis

Transaction Categorization

Assign every credit card transaction to a category based on vendor name patterns:

Build a vendor mapping as you go — learn from the data. When you encounter a vendor not in this table, categorize it based on context clues in the description.

Subscription Detection

A charge is a subscription if:

• Same vendor appears 3+ months
• Amount is within 20% of average (allows for FX fluctuation)
• Not a one-time purchase

For each subscription, calculate:

• Average monthly cost
• Annual total
• Number of months active out of 12
• Trend (increasing, decreasing, stable)

Subscription Verdicts

Assign each subscription a verdict:

• Keep — Core business tool, actively used, no overlap
• Review — Expensive (>$100/mo), overlapping with another tool, or unclear value
• Cancel — Redundant (e.g., Zapier AND Make.com), barely used, or clearly not needed
• New — Started in last 3 months, too early to judge

Rules for verdicts:

• If two tools overlap in function, flag the less-used or more expensive one as Cancel
• If a tool costs >$100/mo, default to Review unless it's clearly core (CRM, email, main platform)
• Gym, entertainment, personal items should be flagged as personal, recommend moving to personal card
• AI tools that overlap — review which ones are actually being used vs. forgotten

Bookkeeper Cross-Reference (if GL provided)

This is the most valuable part. Compare the bookkeeper's categorization against what the raw data actually shows:

1. For each expense category in the P&L, pull the underlying transactions from the GL
2. Check if vendors are in the right category:
   • Is a SaaS platform categorized as "Training"?
   • Are contractor payments categorized as "Travel"?
   • Are personal expenses mixed into business categories?
   • Are recurring subscriptions categorized as one-time expenses?
3. Flag any category where >20% of the amount seems miscategorized
4. Calculate the corrected P&L if miscategorizations were fixed
5. Explain the tax risk of each miscategorization (inflated deductions, audit flags, etc.)

Personal Expense Detection

Flag transactions that appear personal on a business card:

• Gym/fitness memberships
• Entertainment subscriptions (Spotify, Netflix, etc.)
• Clothing stores
• Medical expenses
• Personal travel (hotels, airlines without business context)
• Food delivery / restaurants (unless clearly client meetings)
• Personal grooming / dry cleaning

Revenue Analysis (if data available)

• Identify revenue sources from bank deposits, Wise/PayPal incoming, etc.
• Calculate concentration (what % comes from top source)
• Flag if >50% from single source (concentration risk)
• Show revenue trend by month
• Compare to prior year if available

Phase 4: Report Generation

Generate a single self-contained HTML file with these design requirements:

Design Standards

• Dark theme (bg: #0a0e17, cards: #111827)
• Font: Clash Display (headings) + JetBrains Mono (numbers)
• Load from Google Fonts via <link> tag
• Accent color: cyan (#22d3ee) with warm amber (#f59e0b) and green (#10b981)
• No purple gradients on white backgrounds
• Atmospheric backgrounds with subtle gradients
• CSS-only animations (staggered card reveals)
• Fully responsive (mobile-friendly grid)
• Self-contained — no external JS dependencies

Report Sections (in order)

1. Header — Business name, date range, entity info
2. KPI Cards — 4-8 cards with key metrics (revenue, profit, expenses, subscriptions, cash, dividends, tax position)
3. Monthly Spending Trend — Bar chart (pure CSS/HTML, no JS library needed)
4. Expense Category Breakdown — Horizontal bar chart with amounts
5. Subscription Audit Table — Full table with service, category, monthly cost, annual cost, months active, verdict badge (Keep/Review/Cancel/New)
6. Subscription Savings Summary — Two boxes: "Recommended Cancellations" (with total savings) and "Worth Reviewing" (with potential savings)
7. Contractor/Invoice Summary — Table of vendors, services, invoice counts, totals, active periods
8. Revenue Sources — If data available, horizontal bar chart of income sources with concentration risk flag
9. Official P&L + Year-over-Year — If bookkeeper data provided, show official P&L with YoY comparison
10. Bookkeeper Categorization Audit — If bookkeeper data provided, flag miscategorized expenses with corrected amounts
11. Contractor Deep Dive — Full breakdown of contractor payments with amounts, payment counts, active periods
12. Personal Expense Flags — Table of items that should be reclassified as personal draws
13. Cash Dividend/Owner Draw Tracker — Monthly grid visualization with total and average
14. Tax Position — Cards for outstanding tax items (refunds owed, payables, GST/HST position)
15. Key Insights & Recommendations — 4-6 insight/alert cards with actionable advice
16. Footer — Generation date, sources used, disclaimer

Styling Details

Status badges for subscription verdicts:

• Keep: green background (#10b981), green text
• Review: amber background (#f59e0b), amber text
• Cancel: red background (#ef4444), red text
• New: purple background (#a78bfa), purple text

Category pills with colored backgrounds matching the category.

Amount formatting:

• Green for positive/income
• Red for large expenses or losses
• Amber for medium concern
• Cyan for neutral highlights

Use font-family: 'JetBrains Mono', monospace for all numbers and amounts.

Tables should have:

• Hover effect on rows
• Alternating subtle backgrounds
• Sticky headers on long tables
• Sort-friendly column alignment

Phase 5: Delivery

1. Save the HTML report to the user's specified folder or ~/Documents/Accounting/[year]-annual-report.html
2. Open it in the browser with open (macOS) or xdg-open (Linux) command
3. Provide a concise summary of key findings:
   • Total revenue and profit (if available)
   • Number of subscriptions found and total annual cost
   • Potential savings from recommended cancellations
   • Number of bookkeeper issues flagged (if applicable)
   • Personal expenses that need reclassification
   • Any critical alerts (concentration risk, tax issues, etc.)

Multi-Currency Handling

• Track transactions in their original currency
• Note currency for each amount in the report
• Don't convert currencies — the user's accountant handles that
• If statements have multiple currencies, show each separately
• Note exchange gain/loss if visible in the data

Statement Format Support

The skill handles these common formats:

Canadian Banks (often French)

• Desjardins (Caisse) — "RELEVE DE COMPTE", "CARTE AFFAIRES VISA"
• TD Canada Trust
• RBC Royal Bank
• BMO Bank of Montreal
• Scotiabank
• CIBC

US Banks

• Chase
• Bank of America
• Wells Fargo
• Citi
• Capital One

UK/EU Banks

• Barclays
• HSBC
• Revolut
• N26

International / Fintech

• Wise (TransferWise) statements
• PayPal statements
• Stripe payouts
• Mercury
• Relay

CSV/Excel

• Any CSV with date, description, amount columns
• QuickBooks exports
• Xero exports
• Wave exports
• FreshBooks exports

Error Handling

• If a PDF can't be read, note it in the summary and continue with others
• If a transaction can't be categorized, put it in "Uncategorized" and flag for manual review
• If the bookkeeper GL has unexpected columns, try to detect the right ones by looking for date, description, and amount patterns
• Always show what was processed vs skipped in the final summary
• If no statements are found in the specified folder, ask the user to confirm the path

Examples

Example 1: Full Year-End Review

/accounting

Process my 2025 financials:
- Bank statements: ~/Accounting/2025/Bank/
- Credit card: ~/Accounting/2025/CC/
- Invoices: ~/Accounting/2025/Invoices/
- Bookkeeper P&L: ~/Downloads/2025-PnL.pdf
- General Ledger: ~/Downloads/general-ledger.xlsx

Example 2: Quick Subscription Audit

/accounting

Just find all my subscriptions and tell me what to cancel.
Credit card statements are in ~/Downloads/CC-2025/

Example 3: Bookkeeper Verification

/accounting

My bookkeeper sent me the year-end package. I want to cross-reference
their categorization against my raw bank statements to make sure
everything is categorized correctly.

Bookkeeper files: ~/Downloads/2025-financials.pdf
Raw statements: ~/Accounting/2025/

Example 4: Monthly Check-In

/accounting

Process just March 2025:
- Bank statement: ~/Downloads/march-2025.pdf
- Credit card: ~/Downloads/cc-march-2025.pdf

Example 5: Multi-Currency Business

/accounting

I receive payments in USD via Wise and spend in CAD and EUR.
- Wise statements: ~/Accounting/Wise/
- Canadian bank: ~/Accounting/TD/
- Credit card: ~/Accounting/Visa/
- Invoices: ~/Accounting/Invoices/

Tips for Best Results

1. PDF statements work better than screenshots — text extraction is more reliable
2. CSV exports are fastest — if your bank offers CSV downloads, use those
3. Organize by type — separate bank statements, CC statements, and invoices into different folders
4. Include the bookkeeper package — the cross-reference audit is the most valuable feature
5. Run it quarterly — don't wait until year-end to catch issues
6. Keep the HTML report — it's a useful reference for tax meetings with your accountant
7. Name your files consistently — YYYY-MM format helps the skill process them in order

What This Skill Does NOT Do

• File your taxes
• Replace a CPA or bookkeeper
• Connect to your bank directly (no Plaid/API integration)
• Guarantee categorization accuracy (always review with your accountant)
• Handle payroll calculations
• Generate T4s, W2s, 1099s, or tax forms
• Provide tax advice (consult a professional)

Built by @tenfoldmarc. Follow for daily AI automation builds — real systems, not theory.