What You Get Every Month

I built Voice Ledger so nothing slips through the cracks. It connects to your QuickBooks Online in read-only mode — it reads your books, and nothing changes in them without your approval.

Every month it:

• Runs a 34-Point Health Scan. Duplicates (bills, invoices, payments, expenses, vendors, near-duplicates and transposed numbers) · Miscoding (uncategorized items, card payments and transfers booked as expenses, payroll and loan payments lumped together, personal expenses, missing payees) · Balance sheet problems (opening balance equity, overdrawn accounts, suspense and clearing balances, accounts on the wrong side) · Bank and reconciliation gaps · Vendor price increases and unusual vendor activity · Avoidable fees and unapplied credits · Changes to closed months.
• Ties your reports out to QuickBooks to the cent — 11 tie-out checks before anything is sent to you.
• Separates confirmed issues from possible ones, so you aren't chasing false alarms.
• Labels every number by where it came from and whether I've reviewed it.

Your month, readable in five minutes.

• Page 1: profit, sales, total costs and cash in the bank; a 13-month trend chart; the three things that matter most this month; and a health check covering your operating result, cash and bills, collections, and how far the numbers can be relied on.
• Page 2: where the money went; your top three priorities with who does what, by when; any questions I need you to answer (like "was this $186 charge business or personal?"); and where the bookkeeping stands.

Everything behind the summary, in about 12–15 pages:

• Profitability — from sales to profit, step by step, compared with last month and last year.
• Where the money went — every dollar in and out on one chart, your biggest costs, and what changed.
• Cash — your balances, and why your bank balance and your cash-flow statement can differ.
• Customers and bills — who owes you and for how long; who you owe and what's overdue.
• Your financial position — assets, debts and equity in plain charts.
• Open items — every issue found, confirmed vs. possible, with the next step.
• Appendices — my work log, the tie-out checks, and your full financial statements.

A private, interactive file built from your own books every month. It opens in any web browser and works offline — no login, nothing to install, nothing stored online.

Tab 1 — Can I afford this?

• Tap any month to compare it with this one; tap any cost to see how much of every $1 of sales it takes.
• Ask with sliders: How much do I need to sell to make $X? Can I afford a new hire? What price raise covers a supplier increase? What if I raise prices and lose a few jobs?
• Switch off a line of work to see whether the rest still pays the bills.
• A 13-week cash timeline: see when cash could get tight if customers pay late or you buy equipment.
• Combine decisions into one plan and see the total effect on profit and cash.

Tab 2 — Where are we vulnerable?

• A stress test: sales drop, costs rise, customers pay late, a surprise bill — one at a time and all at once.
• Your breaking points, in plain words: how far sales can fall before profit turns negative.
• A heat map of every price change against every level of lost work.
• Which of your guesses matters most, so you know what to verify before you commit.

Tab 3 — What worked?

• Save a plan. Next month, the Explorer compares it with what actually happened — profit, sales, cash, and which assumptions held.

Every number is labelled: from your books, calculated, or a setting you chose — so you always know what's fact and what's an assumption. When a result looks risky, one click emails me to talk it through.