kerd.ai is investment accounting software for accounting firms. It reads the broker statement, keeps every holding at cost and at market value using the ECB's rate for the day, and hands your ledger a month-end journal that balances, with the working your auditor will ask for.
Sign in with your Google or Microsoft account; we set up your first client with you.
Try it here
The figures come from kerd.ai's own acceptance tests. Change them and watch the working change with them.
01 · Gain on disposal
Oldest lot first: all of lot 1, then 50 units of lot 2.
In kerd.ai the method is set per client and locks once trading starts, so a file never changes under you.
02 · Month-end journal
Sample Global Equity ETF · 4,200 units · in the books at €360,722.45
USD held at 1.1216 to the euro here. In kerd.ai the ECB rate for the date is filled in and the movement is split into price and FX.
Exchange rates
kerd.ai loads the European Central Bank's euro reference rates every working day at 16:15, just after they're published. Each transaction and each month-end revaluation picks up the rate for its date. Nobody looks one up or types one in.
The ECB doesn't publish the dirham, so Maria entered it. Rates are never edited: a correction is a new rate.
How it works
The month end for one client, as a demo walks through it. It plays on its own. Click a step, or use the arrows under the screen, to go at your own pace.
Sample & Co Accountants · Halcyon Example Holdings LtdSample data| Opening position | Quantity | Cost (EUR) |
|---|---|---|
| Sample Global Equity ETF IE00EXMPL001 · UBP custody | 4,200 | 325,080.00 |
| Sample Euro Bond 2031 Accrued interest kept apart from cost | 50,000 | 50,250.00 |
| Sample USD Equity Fund Two lots: 100 at 10.05, 200 at 12.05 USD | 300 | 3,150.60 |
The cost basis locks once the first transaction is recorded, so the figures in the file never change under you.
| Type | Instrument | Net amount |
|---|---|---|
| Buy | Sample Global Equity ETF | 10,130.00 |
| Dividend | Sample Global Equity ETF | 1,470.00 |
| Sell | Sample USD Equity Fund | 2,240.00 |
| Fee | Custody fee Q3 | 412.50 |
14 lines read from the Transactions report · 12 kept, 2 dropped by Maria · each line links back to the page of the PDF it came from.
| Holding | Now | Movement |
|---|---|---|
| Sample Global Equity ETF | 379,145.86 | +18,423.41 |
| Sample Euro Bond 2031 | 49,200.00 | 0.00 |
| Sample USD Equity Fund | 196.15 | 0.00 |
A completed revaluation is locked. Corrections go in a new one, so the history stays whole.
| Account | Debit | Credit |
|---|---|---|
| 1210 · Investments at fair value | 18,423.41 | |
| 4920 · Unrealised FX difference | 1,050.00 | |
| 4910 · Fair value gain (P&L) | 19,473.41 | |
| Total | 19,473.41 | 19,473.41 |
Policy FVTPL, so the gain goes to profit or loss; under FVTOCI it would go to the reserve. Mapped once to this client's chart of accounts. The client's lock date moves to 30/09/2026 once this is posted.
What's next
Everything above works today. Tap a card to see what comes next.
1 of 3 unlocked
Live now
Everything on this page, in kerd.ai today.
That's the sneak peek. The full roadmap is on the features page.
Your firm's data
Kept apart from every other firm's, and tested to stay that way.
Your staff decide
Every imported line is kept or dropped by a person before it reaches a client's books.
Sign-in
Google, Microsoft or an emailed code. kerd.ai stores no passwords.
Before you start
kerd.ai is for accountants. It does the bookkeeping side of a client's investments: cost, market value, gains on disposal, the month-end revaluation and the journal. It does not place trades, run performance attribution or give investment advice.
Cost basis is set per client, FIFO or weighted average, and locks once the first transaction is recorded. The accounting policy, FVTPL or FVTOCI, decides where the revaluation movement goes in the journal.
From the European Central Bank. kerd.ai loads its euro reference rates every working day at 16:15 Central European Time and fills in the rate for each transaction's date. Weekends and holidays take the last rate published. If your broker used a different rate, or the ECB doesn't publish the currency, your staff enter it, and the ECB rate stays on file beside it.
Google Gemini reads the Transactions report inside the PDF and proposes the lines: date, type, instrument, quantity, price, fees. Your staff keep or drop each one before anything is saved, and every kept line links back to the page it came from.
Not yet: the adjustment journal is prepared and balanced in kerd.ai and exported for your ledger today. Posting straight to Xero and Zoho Books is coming soon.
Sign in with your Google or Microsoft account, add a client, import one statement and run a revaluation on your own figures. Nothing reaches your ledger until you export the journal.
Sign in with Google or Microsoft, import the statement and run the first revaluation yourself. Or book a 30-minute walkthrough with our team on a real month end.