Ask your business accounts where the cash went.

Business cash flow in plain English

Ask what changed in your cash flow from August to September and Sprout returns inflows, outflows, and net cash flow for the accounts you choose, by day, week, or month. Transfers between your own accounts are excluded, so moving money from checking to savings doesn't look like spending or income.

Net cash flow measures money in and out of the bank. It is not accounting profit, which depends on adjustments like accruals and depreciation that your bookkeeper handles. The guide to cash flow vs profit explains the difference, and the cash flow page shows the full set of questions you can ask.

Vendor payments and company card spend

Sprout groups spending by merchant, so vendors are easy to rank. Ask which vendors you paid most this quarter, pull the full payment history for one supplier, or see what the company card spent on travel since June. Every total comes with the transactions behind it, so you can check before you act.

• Top vendors: ranked by total paid for any date range.
• Supplier history: every payment to one vendor, with dates, amounts, and accounts.
• Company card review: spend by category or merchant on one card or across several.
• Large and duplicate charges: flagged for review, so a double payment gets caught. See unusual charges.

Find SaaS creep before it renews

Software costs grow quietly. A team adds a tool, a plan moves up a tier, and a price rises without anyone noticing. Sprout detects repeating charges, estimates the next renewal date, and shows the annualized cost, so a $60-a-month tool shows up as $720 a year in your review.

It also flags price changes, like a plan that went from $45 to $60 a month. Detections are estimates to review, and Sprout doesn't cancel anything itself. Use the list to decide what to keep, then cancel with the vendor. The subscription tracker covers recurring charges in more depth.

Month-over-month changes, calculated exactly

When you compare two periods, Sprout calculates the totals, the dollar change, and the percentage on its server, so no model has to guess the arithmetic. Ask how September compared with August and you get exact figures you can check against your bank statements, broken down the way you asked.

Where Sprout fits next to your bookkeeper

Sprout reads business bank and card feeds and answers questions about them. It is not accounting or bookkeeping software. It doesn't keep a general ledger, reconcile books, run payroll, send invoices, or file taxes, and its answers are informational rather than financial or tax advice.

Where it helps is the step before your bookkeeper. If you were looking for an AI bookkeeping assistant, think of Sprout as the prep work: it reads the bank side so you arrive with clear numbers and specific questions. A simple monthly routine looks like this.

1. Pick the business accounts

   Choose business checking and company cards so personal spending stays out.

2. Check cash flow and the change

   Ask for the month's inflows, outflows, and net cash flow, and how they compare with last month.

3. Review vendors and odd charges

   List the top vendors, the largest purchases, and any possible duplicates.

4. Scan upcoming renewals

   Ask which subscriptions renew next month and which ones changed price.

Keep business separate, use it anywhere

Pick which accounts a review covers, and business and personal money stay apart even if you connect both. Sprout supports eligible US and Canadian institutions through Plaid, and USD and CAD stay in their own currencies. That matters if your business banks in one country and sells in another.

Use Sprout on iPhone, Mac, or the web, or ask about your business accounts from the chat with the Sprout plugin for Claude. Solo operators may also like the freelancer page, which covers irregular income and client payments.