Arcle Books
Proper books for your business, kept for you. Every payment through Arcle is recorded, categorised and posted to a real double-entry ledger — so your profit & loss, cash flow and VAT position are ready when you need them.
Coming as a premium feature
Books is built and in testing, and isn't switched on for accounts yet. This page describes how it works so you know what's coming.
You don't keep the books. You answer questions.
Books opens as a conversation. Ask “what did I spend on transport last month?” and the answer comes back as a table — with totals, averages and a chart when the question calls for one. Pin any table and it stays live, re-running as your books change. Arcle categorises what it's sure about; what it isn't sure about waits for you as a card — accept, choose another, or skip — and your answer is remembered for next time.
Real double-entry accounting
Every entry posted as a matching debit and credit as it happens, so the trial balance means something — and Arcle tells you not just whether it balances, but whether it's complete.
Reports
Profit & loss, cash flow, expenses by category, income by customer, month against month — each downloadable for your accountant.
Planning, clearly labelled as estimates
How long your cash in Arcle lasts at your current spending, your break-even, and whether you're on pace with your budgets — each with the assumptions it made, and no figure at all when the data can't support one.
Receipts
Photograph a receipt or upload a statement; it attaches to the matching transaction. Ask “which expenses have no receipt?”
Month-end close
Arcle checks a finished month is ready, then locks it so a report you've sent can't quietly change. A month that isn't ready stays open.
VAT for Nigerian businesses
An estimate of VAT collected, paid and payable, with the deadline — a planning figure, not a substitute for your accountant's return.
Careful by design
A transfer between your own wallets isn't income, so a bare transfer with no description is flagged for you rather than guessed at. Changing one transaction's category happens at once and can be undone; changing many is previewed first and waits for your yes.
Just ask
Books reads your own account and nobody else's. See Security & Privacy. Not on Books yet? Your business insights work without it — see For Businesses.