What is Tabby?

Tabby is an AI-powered bookkeeping and financial automation tool built for:

• freelancers
• 1099 workers
• gig workers
• solopreneurs
• real estate professionals
• startups and very small businesses (0–3 employees)

Tabby connects with users’ bank accounts and credit cards (via Plaid) and automates:

• expense tracking
• categorization
• receipt scanning
• AI bookkeeping
• tax deduction tracking
• reporting
• invoicing
• financial insights

Key Features

1. Bank & Credit Card Connection (via Plaid)

• Users can securely connect their financial accounts.
• Tabby pulls transactions daily (real-time for Pro users).

2. AI Transaction Categorization

Tabby auto-categorizes every transaction using:

• bank description
• merchant information
• machine learning
• user’s past behavior (remembers manual recategorization)

3. Receipt Scanning

Users can upload receipts. Tabby extracts:

• amount
• date
• merchant
• category
• payment method
• notes

4. AI Bookkeeping

Tabby automates:

• categorization
• ledger entries
• reconciliation
• financial summaries
• tax-ready reports

5. Financial Reports

Includes:

• Profit & Loss
• Cash flow summary
• Expense breakdown
• Tax-deduction report
• Monthly summaries

6. Invoicing

Create and send invoices; track unpaid, pending, and paid invoices.

7. Mobile App

Users can:

• scan receipts
• track expenses
• review categorization
• approve or edit entries
• view reports
• manage finances on the go

8. User Management

Standard: 1 user

Professional: up to 5 users (Admin, Accountant, Employee roles)

Pricing & Plans

Free Plan

• Limited features
• Great for exploring Tabby

Standard — $19/month (billed annually)

Includes:

• 2 bank/credit card accounts
• unlimited transactions
• batch AI processing
• basic reports
• invoice creation (20/month)
• standard support

Professional — $19/month (billed annually)

Includes:

• unlimited accounts
• real-time AI processing
• advanced bookkeeping
• advanced reports
• unlimited invoices
• priority support
• up to 5 team members

Common User Questions

Is Tabby secure?

Yes. Tabby uses bank-level encryption, Plaid for secure connections, Stripe for billing, and AWS for cloud hosting.

Why can’t I connect my bank?

Common reasons:

• bank credentials incorrect
• MFA not completed
• bank outage

Plaid doesn’t support that bank

→ Ask user for bank name to verify.

Why is categorization incorrect?

AI improves over time and learns user behavior.

Users can recategorize manually → Tabby remembers automatically.

My subscription payment failed. What now?

Grace period: 7 days

If still unpaid → account moves to free tier

When user returns → billing prorates automatically

Does Tabby file taxes?

Tabby helps prepare a tax-ready book, but does not electronically file taxes yet.

Can I export my data?

Yes. Export reports in:

• PDF
• CSV

Can I cancel anytime?

Yes. Annual plans remain active until the billing cycle ends.

How does Tabby automatically categorize transactions?

Tabby uses AI to analyze merchant names, bank descriptions, and your past categorization behavior. It gets smarter as you use it.

Can Tabby distinguish between personal and business expenses?

Yes. Tabby’s AI identifies business-related expenses even in mixed accounts and learns from your corrections.

Does Tabby support multiple bank accounts and credit cards?

Yes. You can connect multiple accounts. The exact limit depends on your plan.

How accurately does Tabby identify tax-deductible expenses?

Very accurately. Tabby’s AI scans spending patterns and highlights likely deductions. You can review and adjust anytime.

Can I upload receipts via my phone or desktop?

Yes. You can upload receipts from the mobile app or through the web dashboard.

How are transactions matched to uploaded receipts?

Tabby automatically matches receipts using date, amount, and merchant details. You can manually link them if needed.

Does Tabby generate profit and loss statements and other common financial reports?

Yes. You get P&L, cash flow summary, expense breakdowns, and tax-ready reports.

Can I use Tabby for invoicing clients?

Yes. You can create, send, and track invoices directly inside Tabby.

Is Tabby suitable for non-accountants or people without bookkeeping experience?

Absolutely. Tabby is built for freelancers, gig workers, and small business owners with zero accounting background.

What security measures are in place for my financial data?

Tabby uses bank-level encryption, Plaid for secure bank connections, Stripe for billing, and AWS for hosting.

Can Tabby handle multi-currency accounts or international transactions?

Tabby currently focuses on U.S. accounts. Some international accounts may sync if supported by Plaid.

Is there a mobile app, and what platforms are supported?

Yes. Tabby has a mobile app for both iOS and Android.

Can Tabby manage cash flow projections or forecasts?

Tabby provides real-time summaries, but full forecasting features are limited right now.

Are there limits to the number of transactions or accounts?

Depends on your plan:

• Free: limited
• Standard: 2 accounts

Professional: unlimited accounts and transactions

Can Tabby connect to ecommerce platforms (Shopify, Amazon)?

Direct ecommerce integrations are not available yet. You can still record income or upload statements manually.

Does it export reports to QuickBooks, Xero, or Excel?

Yes. You can export reports as CSV or PDF, which can be imported into QuickBooks, Xero, Excel, Google Sheets, and other tools.

Are integrations available for tax filing tools?

Not yet. Tabby prepares tax-ready reports that you can use with any tax filing service (TurboTax, H&R Block, CPA, etc.).

Onboarding, Support & Usability

1. How long does setup take?

Most users finish setup in 2–3 minutes—connect your bank, review categories, and you're ready.

2. Is there onboarding help for beginners?

Yes. Tabby provides guided steps, tooltips, and a simple walkthrough to help you get started.

3. Can I import data from other services or spreadsheets?

Yes. You can import transactions or records using CSV uploads from other tools.

4. What happens if I need human support?

You can reach us via email on all plans, and chat support is available on the Professional plan.

5. Are there comprehensive help resources or tutorials?

Yes. Tabby offers a help center with FAQs, troubleshooting tips, and quick guides.

Automation & AI Capabilities

1. How does the AI learn and adapt to my spending patterns?

It learns from merchant data, bank descriptions, and your manual changes. Each correction improves future categorization.

2. Will the system flag suspicious, duplicate, or unusual transactions?

Yes. Tabby detects duplicates, unusual patterns, and potential miscategorizations and prompts you to review them.

3. Does the AI improve over time—does it require user input to get better?

Yes. The more you review or recategorize transactions, the better the AI becomes. It builds rules automatically.

4. How does it ensure accuracy and catch errors or inconsistencies?

Tabby uses pattern matching, merchant history, rule-based learning, and cross-checking with receipts to reduce errors and highlight inconsistencies.

Security & Data Privacy

1. Is my data encrypted at rest and in transit?

Yes. Tabby uses bank-level encryption for both data in transit and data stored on our servers.

2. Who can access my financial records?

Only you and any team members you add. Tabby employees cannot see your bank login details.

3. What is your data retention and deletion policy?

You can request deletion anytime. Once processed, your financial data is permanently removed from our systems.

4. Does the platform comply with relevant regulations (GDPR, CCPA)?

Yes. Tabby follows GDPR, CCPA, and industry-standard privacy practices to protect your data.

Common Bookkeeping, Accounting & AI Finance Questions

1. What’s the difference between bookkeeping and accounting?

Bookkeeping is recording and organizing financial transactions.

Accounting is analyzing those records to create reports, file taxes, and guide business decisions.

2. Why should I use AI for bookkeeping instead of manual spreadsheets?

AI saves time, reduces errors, automates categorization, finds deductions, and keeps your books updated without manual entry.

3. How often should I reconcile my books?

Tabby reconciles automatically. For manual review, once a week or monthly is ideal.

4. What expenses qualify as business deductions?

Any expense directly related to running your business—software, supplies, travel, advertising, home office, phone, etc.

5. How do I prevent common bookkeeping mistakes like missed write-offs or double entries?

Use AI categorization, attach receipts, review flagged items, and check your reports regularly.

6. What types of reports should I expect each month/quarter?

Profit & Loss, cash flow summary, expense breakdown, tax-deduction summary, and monthly activity reports.

7. How can AI help reduce tax liability?

By spotting deductible expenses, identifying patterns you may miss, and organizing everything for an accurate tax filing.

8. Do I need a separate tool for payroll, or does this also handle it?

Tabby does not run payroll. You’ll need a payroll service, but you can record payroll expenses in Tabby.

9. How are backups maintained and data protected?

All data is stored securely in the cloud with automatic backups and bank-level encryption.

10. What happens if the automatic categorization is incorrect—can I adjust it?

Yes. You can change any category, and Tabby will remember your choice for next time.

11. Is there a way to automate recurring entries or payments?

Recurring transactions from your bank are detected automatically. Manual recurring entries are coming soon.

12. Can I use this tool if I run multiple small businesses/side hustles?

Yes. You can manage multiple businesses by creating separate workspaces/accounts.

13. How often is the software updated for new tax rules or industry practices?

Tabby updates deduction categories and bookkeeping rules periodically throughout the year.

14. Can the tool help prepare for audits?

Yes. Clean, categorized books and downloadable reports make audit prep easier.

15. Do I need to know double-entry accounting to use it?

No. Tabby handles all the accounting logic behind the scenes—you just review your transactions.

Updated on: 18/11/2025