How we work

Where the machine stops

Your accountant is probably already using AI on your books. The useful question is whether they can tell you where it stops.

  • Prices published
  • A named CPA signs every return
  • Former DCAA Supervisory Auditor
  • Models never do the arithmetic
  • Remote, nationwide
Alexander Mungov, CPA
Alexander Mungov, CPA
Founder, M2 CPA · Updated October 5, 2026

I can tell you where it stops. Software does the mechanical work in your month: it reads every transaction, codes it, reconciles it, and pushes anything that does not fit in front of me. I make the judgment calls, I give the advice, and I sign the work.

That line does not move, and the prices on this site are what it makes possible.

Credit where it is due

What software is genuinely better at

I spent my career at the Defense Contract Audit Agency, finishing as a Supervisory Auditor, looking at other people’s accounting systems and deciding whether they could be relied on.

Here is something that job teaches you. Auditors sample. We pulled a selection of transactions and tested those, because no human being can examine twelve months of a company’s activity line by line. Every firm that has ever reviewed your books worked the same way, including the good ones.

Software does not sample. It reads all of it, every month, and it does not get tired at four in the afternoon on the last day of the quarter. The first time a client’s books run through it, it routinely surfaces things that sat undisturbed for years, because nobody had ever looked at all of it at once.

That is the real argument for automating this work. Lower cost is a consequence. The point is coverage.

A sample

How review has always worked

A person tests a selection and infers the rest, because examining every line by hand is not possible on any realistic budget.

All of it

How it works here

Every transaction is read and tested every month. Nothing is inferred from a sample, and nothing is skipped because the month got busy.

The part nobody advertises

What software is dangerous at

Ask a language model to add up a column and it will give you a number. The number will be formatted correctly, presented confidently, and sometimes simply wrong. It does not know it is wrong, because producing plausible text and producing correct arithmetic are not the same skill and it is only built for one of them.

This is the failure that should worry you, and it is the one nobody selling AI accounting wants to discuss.

The rule here

The model never does the arithmetic

Every figure on your financial statements is computed by deterministic code running against your ledger, the way a spreadsheet formula is. AI decides what deserves attention and explains what it found. It never decides what things add up to.

Ask any firm pitching you on AI how they handle that. The answer will tell you whether they have thought about this seriously or just bought a subscription.

The division of labor

Where the line sits

Software Me
Reads and codes every transaction Sets the policy it applies
Reconciles accounts, matches receipts Reviews every exception it raises
Calculates indirect rates from the ledger Decides allowability and treatment
Flags what does not fit Gives the advice, signs the returns

Two things never move across that line. Tax advice reaches you through me, every time. And nothing runs unattended because the software seems confident, only because there is a written policy I approved for that specific task.

The proof

Why the prices are on the site

If software genuinely absorbed the repetitive work, your bill should go down. Otherwise the firm kept the savings and told you a story about innovation.

Government contract accounting starts at $800 a month. Small business plans start at $159 plus QuickBooks at Intuit’s own price. Every number is published before you speak to anyone, which is the only way to prove that claim instead of asserting it.

A firm that talks at length about its AI and then asks you to book a call to learn the price is telling you where the savings went.

See every published price →

Straight answers

Three questions worth asking

Will this replace my accountant?

Not for anything that carries responsibility. Someone signs your return, and it cannot be a machine. What it replaces is the hours traditionally billed for typing and matching, which is most of what a bookkeeping fee has always paid for. There is a longer answer in our guide on whether AI can replace your accountant.

How would I know if the system got something wrong?

Everything it does is logged, so the review works against a complete record of what changed and why. That is more than you get from a junior bookkeeper, where the record is whatever they remember.

I am a government contractor. Does this survive an audit?

An audit asks whether the system is adequate and whether the records support the costs. Nothing in the SF 1408 criteria or DFARS 252.242-7006 requires a human to type the entry. I evaluated systems against those criteria for a living, which is why this one is built the way it is.

Ask me where the line sits

Thirty minutes, no charge. Tell me what your books look like now and I will tell you straight whether this is a fit.

Alexander Mungov, CPA
Alexander Mungov, CPA
Former DCAA Supervisory Auditor