Clean books.
The right year-end forms.
Bookkeeping for US sole proprietors and single-member LLCs — foreign-owned or US-resident. We turn your Mercury (or any US bank) transactions into the Schedule C, pro-forma 1120, or Form 5472 + 1120 package your accountant otherwise charges $1,500–3,000 to prepare.
Early access opening soon. No credit card. Free up to one entity. Mercury-native. CSV import for everything else.
Three kinds of single-owner businesses.
Sole props doing real numbers.
Side-income contractor or full-time freelancer — Mercury Personal or Mercury Business — Schedule C at year end. Clean P&L, capital account, no surprises.
→ Schedule C (Form 1040)
Wyoming, Delaware, anywhere.
US-resident owner of a single-member LLC. Disregarded entity, Schedule C overlay. Plus capital-account tracking your CPA actually wants to see.
→ Schedule C + Capital Account
Disregarded, but never ignored.
Non-US resident running a US LLC. We're the only tool that auto-categorizes for the 5472 Part IV line codes and generates the pro-forma 1120 cover.
→ Form 5472 + pro-forma 1120
Wave is dying.
The IRS is not.
$25,000
Minimum IRS penalty for a missed or wrong Form 5472. Per year. Per entity. (Foreign-owned LLCs)
$485
Average late-filing penalty for an unfiled Schedule C with self-employment tax owed. (US sole props.)
IRC § 6038A(d) for 5472; IRS Topic No. 653 for Schedule C late-file. Both double for continued failure.
Three steps. Then you close the year.
A short list of things we won't build.
No chat-with-AI sidebar.
This is a ledger. Not a copilot.
No invoicing or payments.
Mercury already does that. We don't compete.
No mobile app.
Annual filing isn't a phone task.
No tax filing.
We produce the PDF. You mail it, fax it to the IRS, or hand it to your CPA.
No multi-currency consolidation.
Each entity has one reporting currency.
No payroll / W-2s.
Foreign-owned SMLLCs don't have US payroll.
We recommend Mercury.
Mercury is the bank we built Dissregarded on, and the bank we use ourselves. Their direct API means no third-party aggregator fees, no 90-day reconnect dance, and read-only OAuth scopes that physically cannot move money. For single-owner US businesses, it's the cleanest fit we've found.
If you're not on Mercury yet, opening an account takes about 15 minutes — they accept foreign founders, sole proprietors, and US-resident LLC owners equally. There's no monthly fee on the free tier.
We earn a small referral fee if you open a Mercury account through this link. We'd recommend them with or without it — they're the bank we use ourselves.
Plainly stated.
One Postgres database per organization. Cross-tenant queries are physically impossible.
Encrypted at rest with AES-256-GCM, KEK held outside the database.
Read-only only. We never request, store, or use scopes that could move money.
No model training on your data. Yours stays yours.
Self-hosted. Headers stripped before storage. No third-party PII processors.
Per-entity export and delete on demand. Privacy Policy →
$0
First entity, including the year-end 5472 package. Forever.
Paid plans for additional entities will be under $5/entity/month. Final pricing TBD before public launch — no card on file until you opt in.
See pricing detail →