By Sagar Shankaran, Founder of CallSphere
The client question list gets typed three times: spreadsheet, ledger, close checklist. What changed in 2026 so the assistant writes in the ledger itself.
Key takeaways
Most firm owners reading this already spent a weekend in 2024 wiring their apps together. A Zap that created a task when an email arrived. A shared spreadsheet that was supposed to be the single source of truth for client questions. Maybe a bank rule set in QuickBooks Online so elaborate that only one person understood it. By March it had drifted, someone silently stopped using it, and you went back to the spreadsheet and the retyping.
That failure was not a discipline failure either. Those connections moved data on a trigger and had no judgment. If the client's answer was "that Ferguson charge was for the Kimball job, but the one the week before was shop stock," no rule could turn that sentence into two different codings in the ledger. A human had to read it, decide, and type it — and then type it again somewhere else so the workflow system knew it was done.
Follow a single uncategorized transaction through a mid-size outsourced accounting shop. It starts in QuickBooks Online as a bank feed line the software wasn't sure about. It gets added to the open-item list — a spreadsheet, a Keeper or Uncat queue, or an email — that's write one. The client answers by email or text, usually as prose in a paragraph with two other questions in it. The bookkeeper reads it and codes the transaction in the ledger, write two, adds a memo so the reviewer knows why, write three, then goes into Karbon or Canopy and ticks the close-checklist step and updates the client-questions task, write four.
Four touches for one answer, three of them pure re-keying. Multiply by 18 open items per client per month and 34 clients and you have a real number, which we will do the arithmetic on below. Worse than the hours is the drift: the spreadsheet says nine items are open, the ledger says four are coded, and the close checklist says the file is ready for review. Somebody has to reconcile the reconciliation.
Here is the change in one sentence, quotable and jargon-free: there is now a standard way for an AI assistant to read from and write into the business software you already pay for, so it works inside the system of record instead of living in a separate tab.
The standard is called the Model Context Protocol, MCP for short, and the only thing an owner needs to know about it is that it settled an argument. Before, every connection between an assistant and a business system was a custom job that broke when either side changed. Now there is one plug shape. You can see how firmly it took hold by who built on it: Oracle shipped AI Agent Studio so its Fusion applications carry agents natively, Microsoft shipped Sales Agent and Service Agent that work inside Dynamics and Microsoft 365, and Salesforce wired its agents into Slack. Those are enterprise names, not bookkeeping names — the point for you is that the plumbing is now standard equipment rather than a science project, and the accounting and practice-management vendors are on the same plug.
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flowchart TD
A["Bookkeeper asks: what is still open on the two-location dental client?"] --> B["Assistant reads the ledger, the bill queue and the close checklist"]
B --> C["Draft: three open items, the client's replies, proposed coding"]
C --> D{"Bookkeeper approves the postings?"}
D -->|Yes| E["Coding and memo written into QuickBooks Online"]
D -->|Yes| F["Close-checklist step ticked in the practice system"]
D -->|Yes| G["Vendor bill marked approved in the bill-pay queue"]
D -->|No| H["Bookkeeper edits, assistant re-drafts, nothing posts"]
Note the shape of that chart. There is one approval gate and three writes behind it. That is the whole design principle: reading is free and unrestricted, writing happens only after a human says yes, and every write lands in the system that is supposed to hold it. Nothing goes in a spreadsheet on the way.
For a bookkeeping practice there are three, and the double entry lives between them. The ledger — QuickBooks Online for most of your book, Xero for some, Sage Intacct or NetSuite for the clients big enough to have a controller. The bill-pay and AP queue, usually BILL, sometimes Ramp or Melio. And the practice system where your work lives: Karbon, Canopy, Financial Cents, Jetpack Workflow. Payroll sits alongside in Gusto or ADP, feeding a journal entry someone still checks by hand.
The re-keying that disappears is specific. Client answers stop being retyped into the ledger; the assistant proposes the coding with the client's own words in the memo field and posts it when you approve. Close-checklist steps stop being ticked by hand; they close when the underlying work is actually done in the ledger, which also means the status your account manager sees is true for the first time. The payroll journal entry stops being retyped from the Gusto register; it is read from the register, compared to what posted, and any difference is raised as an item rather than found in November.
What does not change: your review still happens, your close checklist still exists, and the client still has to answer the question. This removes typing, not judgment.
Hours are the obvious saving, but the expensive part of re-keying is the small percentage that goes in wrong and surfaces at tax time. Illustrative assumptions: 34 clients, 18 open items per client per month, 40 seconds of hand-posting per item across the ledger and the workflow system, a 2% re-key error rate, and 25 minutes to find and correct each error when it turns up at review or, worse, when the tax preparer calls in March. Staff loaded at $62 an hour.
| Line | Calculation | Monthly |
|---|---|---|
| Open items across the book | 34 clients × 18 | 612 items |
| Hand-posting time removed | 612 × 40 sec | 6.8 hrs |
| Re-key errors created | 612 × 2% | 12 errors |
| Rework time removed | 12 × 25 min | 5.1 hrs |
| Total at $62 loaded | 11.9 hrs | $738 |
| Annualized | about $8,860 |
Two honest caveats. The 2% error rate is an illustration — measure your own by counting review corrections that trace to a typing mistake rather than a judgment call, over one close. And approving proposed postings is not free; budget five to eight seconds an item for the review click, which is already in the 40-second figure being replaced, not on top of it.
Do not give write access to anything that moves money. Reading the bill-pay queue is useful; releasing a payment is not a thing an assistant should be able to do, and the dual-approval control you built for check fraud exists for exactly this reason. Same for payroll submission in Gusto or ADP. Same for filing anything — a sales tax return, a Form 941 — where the transmit button ends a process you cannot take back.
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Do not connect a client's file without their engagement letter covering it. Your written information security plan needs to name what is connected and who can approve postings, and if you are in a state with its own AI statute — Texas, California, Colorado, Illinois and several others all have one on the books as of this year — the disclosure and record-keeping expectations are real, even for a nine-person firm.
And keep a human on period-end judgment: accruals, prepaid schedules, revenue cutoff, whether an expense belongs in this month or next. That is the work you should actually want your senior spending time on, and it is the reason the typing was worth removing.
Ask your vendor whether they have an MCP connection, in those words — the major accounting and practice-management vendors either shipped one or announced one this year. If yours has not, that is a reason to ask about their roadmap at renewal, not a reason to build something custom that you will maintain forever.
Configure it read-only first and live there for a full close. When you do turn writing on, turn it on for one thing — coding uncategorized transactions with a memo — and keep the approval step in front of it. If a tool cannot show you exactly what it is about to write before it writes, do not connect it to a client's ledger.
Yes. Built-in rules and suggestions work inside one product. This is about one assistant that can see across the ledger, the bill queue and your workflow system at the same time and act in all three, which is precisely where your re-keying lives — between products, not inside them.
It moves about twelve hours a month off a 34-client book in the example above, which is roughly one more client's worth of production. Real capacity gains in this trade come from the close discipline and the client-answer turnaround, not from typing speed. Treat the recovered hours as review capacity first.
None of this touches the other tax on a bookkeeping team's day, which is the phone during the first ten business days of the month. CallSphere builds AI voice and chat agents that answer the firm's line and website chat around the clock, answer the routine "did you get my statements" and "when is my payroll draft due" questions, book calls with the right account manager, and capture new-client inquiries after hours. It sits in front of the practice, not inside the ledger — the postings stay where they belong, under your approval.
Written by
Sagar Shankaran· Founder, CallSphere
LinkedInSagar Shankaran is the founder of CallSphere, where he builds production AI voice and chat agents deployed across healthcare, hospitality, real estate, and home services. He writes about agentic AI, LLM engineering, and shipping voice agents that handle real calls in production.
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