How it works

From messy bank export to CPA-ready report

Three simple steps. No accountant required. Zentro does the heavy lifting so you can focus on your business.

Step 01

Upload or connect your transactions

Export a CSV from your bank or credit card — Chase, Bank of America, Wells Fargo, Amex, and more all work. Drop the file into Zentro and we handle the rest. No bank login required.

Accepts CSV from any major bank

Drag-and-drop upload

Instant parsing — no waiting

Step 02

AI analyzes every transaction

Zentro's AI reviews each line against current IRS rules — IRC § 162, § 179, § 274, and more. Every transaction gets a deductibility score, IRS rule citation, and a flag if anything needs your attention.

IRS rule citations on every line

Confidence scores per transaction

State-specific rules applied automatically

Step 03

Review and export your CPA-ready report

See a clear summary of every deduction found, categorized by IRS code. When you're ready, export a professional PDF that your accountant can use directly — no reformatting required.

Categorized deduction summary

Professional PDF export

CPA collaboration mode available

Common questions

Do I need to connect my bank account?

No — Zentro works entirely with CSV exports. There is no direct bank connection or OAuth login required. You control your data.

What if I have hundreds of transactions?

Zentro handles bulk uploads without limits on Pro and Business plans. CSV files with thousands of rows are processed in seconds.

How accurate is the AI classification?

97% of transactions are classified automatically with high confidence. The remaining 3% are flagged for your review, so nothing slips through.

Try it on your own transactions

Free for up to 10 transactions. No credit card required.

Get started free →