Features
Jotly sorts transactions, pins receipts, closes the month, forecasts the year, estimates your tax and chases invoices. Below is each one, what it looks like in use, and where it falls short.
Read-only bank connection. Annual plans from $89.
01 Capabilities
Each capability below ends with how it fits into a normal month, so you can judge it against your own routine.
Auto-categorization
Every transaction gets a category the moment it posts. Doubtful ones land in a review queue. When you correct one, the change becomes a rule that rewrites past matches and covers future ones.
In your monthTen minutes in the queue during week one, then a glance each Friday. Split transactions and odd merchants still need you.
Receipt matching
Photograph a receipt, forward the email or drop in a PDF. Jotly reads vendor, date and total, then pins it to the card charge. Two lookalike charges? It asks you rather than burying a wrong guess.
In your monthSnap receipts when you get them. At month end, the unmatched list shows what's still missing. Handwritten slips are the weak spot.
Bank and card reconciliation
When the statement balance and your books match, one click closes the month. When they don't, Jotly points at the transaction that's off instead of handing you a list of maybes.
In your monthDo it on the first working day after statements land. A charge the bank hasn't posted yet waits for next month.
12-month cash flow forecast
A forecast built from your own history, not a template. Add a hire, lose a client or delay a purchase and the line moves. Switch between base, slow-quarter and new-hire scenarios.
In your monthLook at it before any big spend. It is weather, not a promise, and it will be wrong somewhere.
Quarterly estimates and year-end export
Quarterly estimates come from your real profit to date, so you know what to set aside. At year end one export hands your accountant clean books. Jotly prepares; a person still files.
In your monthMove the suggested amount to savings when you close the month. Estimates are estimates, and your accountant has the final word.
Invoicing with payment tracking
Send an invoice from the same place your books live. When the deposit hits your bank, Jotly matches it and marks the invoice paid, so nobody types a payment in by hand.
In your monthSend on delivery, check the overdue column on Mondays. Payments through other channels still need a manual match.
02 Security
Bank connection
Jotly can read transactions and balances. It has no permission to transfer, pay or withdraw, and you can revoke the link from your bank at any time.
Credentials
You sign in at your bank, not on a Jotly form. What comes back is a limited access token, not the keys to the account.
Exports
Transactions, categories, rules and receipts export as plain CSV and PDF files. Nothing is trapped behind a plan.
Team access
Give your accountant view-and-comment access without handing over billing. The audit trail on Ledger records who changed which category and when.
03 Integrations
Jotly doesn't ask you to move your shop, your tasks or your accountant. Here's what each connection actually does.
04 Reliability
05 Your move
One account and one person is the Freelancer plan at $89 a year. More accounts, invoicing and tax estimates are on Studio. Forecasting and the accountant portal are on Ledger.
Annual plans from $89. Read-only bank connection.
