Keepline

Know what you keep.
Select Month:
Card Activity
Transaction History
Upload card statements, clean classifications, and keep bookkeeping-ready history in one place.
CSV + batch upload
Rules + auto-classify
Accountant export
My Cards
Register cards in the Settings tab, or they're auto-detected on CSV upload
Drag a CSV file here or click to upload
Supports multiple statement formats and batch uploads
Spending Tracker ~
Please upload transaction history first
Household View
Personal Finance
Turn deposits, card spending, and owner cash flow into a cleaner personal money view.
Savings rate
Schedule C organizer
Category-level spending
Personal Finance
Your money at a glance — income in, spending out, and how much you're keeping. Built from your uploaded cards (spending) and bank deposits (income). The more you categorize in Transaction History, the sharper this gets.
Monthly take-home income
Auto-detected from bank deposits, or enter it manually.
$ /mo
Date range: ~
Savings rate over time
How much of your income you keep each month. Positive = building savings; negative = spending more than you earn.
Where your money goes
My P&L — Schedule C organizer
A simple income-minus-expenses view built from the professional expenses you tagged in Transaction History — organized by the IRS Schedule C line an independent (1099) associate would typically use. Practice for owning your numbers before you own a practice.
1099 / self-employed income for this period: $
Organizing aid only — not tax advice, and not everyone files a Schedule C (W-2 associates usually don't). Line mappings are typical, not guaranteed. Confirm everything with your accountant.
To avoid double-counting, income comes from bank deposits and spending comes from your cards. Cash or bank-only spending isn't captured unless it's in an uploaded account. This is a personal budgeting view — not tax or investment advice.
Connections
Data Connection
Use this as the import hub in both Owner and Explorer modes: set ingestion flow, keep card sources clean, and control Plaid connection.
Hybrid or manual mode
Card registry
Plaid status + sync
Data Ingestion Mode
Choose how data enters: manual CSV upload, Plaid sync, or both.
Card Registration & Upload Status
Plaid Beta (Card Feed)
Connect your bank/card through Plaid Link, then sync transactions into Card Tracker. Beta mode imports spending rows as source plaid.
If the Plaid window does not appear inside VS Code or any embedded browser, open this app in Safari or Chrome and complete the connection there.
Not checked yet.
Sandbox is free for testing. Production billing follows your Plaid plan.
P&L Custom Category
Add item not in default categories
Point Multiplier Settings
CardProgramMealsTravelBusinessAdvertisingGeneral
Register a card to see multipliers
Multipliers are editable and can be tailored to the reward structure you actually use.
Document Library
Store links to your practice forms and protocols. Paste a Google Drive/Dropbox URL or any link — opens in a new tab when clicked.
Cash Ledger
Bank History
Organize deposits, withdrawals, and operating cash movement into a practice-level bookkeeping and cash-flow view.
Deposits + withdrawals
Hospital splits
Weekly cash trend
Bank History
Weekly Cash Flow
Built from your dated bank transactions, so this updates as soon as you import a new statement — no need to wait for full month-end close to see how a week is trending.
Shared Expense Auto-Split Ratio
Classify as "Shared" to auto-split across hospitals by the selected method
Auto-Classification Rules
Upload a CSV or check sample data
Daily Operations
Daily Tracker
Track production, collections, staffing efficiency, and provider output without waiting for month-end close.
Daily production
Provider KPIs
Staffing benchmark
Daily Tracker
Daily Production Tracker
Quick manual entry — just today's Production number (from your PMS daily report) takes a few seconds. Collections is optional. Entries don't need to be daily — log whatever days you have, sparse is fine. Re-adding the same date+hospital overwrites instead of duplicating.
Or paste a whole report instead of typing one by one
Copy a daily/production report straight from your PMS (or a spreadsheet) and paste it below — one line per day, date plus one or two dollar amounts (Production, then Collections if present). Any extra text on the line is ignored.
Provider / Hygienist KPI Tracker
Track individual dentists and hygienists against a daily production goal and a production-to-compensation benchmark. Industry norm: hygienists should produce roughly 3–3.5x their pay (a ~33% salary-to-production ratio); associates commonly run closer to 3x — both are editable defaults below, not fixed rules.
Providers
Or paste a report (same format as the practice-wide tracker above)
Staffing-Cost Production Benchmark
A rough, headcount-based answer to "is today's production justifying what the team costs today" — without needing every individual logged. Enter how many associates/hygienists worked, their average hourly pay, and average hours, for a given date. Uses the same 3x/3.5x production-to-wage targets as the provider tracker above.
Associates / Dentists
Hygienists
Production Mix — Practice + Providers Combined
Total logged production for the period, broken down by who produced it — practice-wide entries plus every individual provider/hygienist, side by side.
Execution Layer
Growth Plan
Keep operational profile, initiatives, staff retention, specialty build-out, and revenue targets in one execution system.
Operational profile
Initiatives + retention
Revenue + valuation
Growth Plan & Operations Check-up
A standing record per practice — what it runs on, what's planned, and whether the plan is actually being kept. Click a deal tab to jump straight into an execution plan for an acquisition target.
Operational Profile
Payer Credentialing Tracker
Track each insurance payer separately — submission date, status, and expected approval, so an out-of-network gap shows up here before it shows up as a revenue dip.
Day-1 Transition Checklist
Operational housekeeping for the first 30-90 days — separate from the strategic Initiatives below, since these are one-time, not ongoing.
Staff Retention Log
Periodic headcount snapshots since acquisition — a sudden drop is often the earliest sign of a rocky transition.
Specialty In-House Tracker
Track what share of each specialty's work stays in-house vs. gets referred out — and the build-out/negotiation plan to move the needle.
Initiatives & Action Items
Equipment upgrades, renovation/expansion, staffing plans, marketing pushes, specialty build-outs — one unified list, each tagged with a category, target month, and status.
12-Month Revenue Growth Plan
Set a revenue target for each of the next 12 months — actuals (once logged in the P&L tab) compare automatically. Pipeline-only practices (not yet acquired) show no actuals, since there's no real P&L for them yet.
Optimization Dashboard
How much of the plan, by category, is actually done — a quick visual check-up across everything tracked above.
Practice Value Trend
Estimated practice value, driven by your P&L. SDE (Seller's Discretionary Earnings = Adjusted EBITDA + owner's total comp) × multiple → individual buyer. DSO (EBITDA × multiple) → group/DSO buyer. Multiples are rough field benchmarks; actual valuation depends on patient base, payer mix, location, hygiene %, and provider concentration.
Period: ~
–x
–x
MD ~65–80% · Northern VA ~90–100% (set per practice below).
Easy P&L (from Card + Bank + Loans + Depreciation)
Quick P&L builder for owners: uses tagged card spending, bank in/out, loan payments, and depreciation. Start here, then move to P&L Analysis.
Cash Basis. Depreciation tab assets auto-applied. Importing payroll CSV splits Clinical/Non-Clinical.
What You Take — Your Real Take-Home
A plain-English walk from book profit down to the real cash that stays in your pocket — no accounting background needed. Built on your accountant (Standard) figures.
Period Total — the 5-step flow
Your take-home — three ways to read it — earn now, if an associate replaces you, and with one-time costs added back
Managing-income simulator — run scenarios without touching your P&L
See your passive management income if you pay an associate at a higher market rate, and/or step back from the chair only part-way.
Compare periods
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Visual Summary
Month-by-Month (each step as a row)
Hiring Simulator — associate / hygiene / front desk / assistant economics
Estimate monthly revenue lift, payroll cost, and net effect on What You Take using your selected period as baseline. The period follows your selection in What You Take.
Provider Margin Attribution — reverse engine audit
Audit what each provider is actually netting now, then calibrate hiring coefficients using your real practice data.
Balance Sheet — S-Corp
Each practice is typically its own legal entity with its own tax return — pick a specific hospital to enter/edit that entity's balance sheet, or view Combined for a rolled-up total across all of them (view-only, since a combined entity doesn't really exist to edit).
Extract AR / Retained Earnings / Goodwill from Tax Return
Upload last year's Form 1120-S for the hospital selected above — Claude reads Schedule L (AR), Schedule M-2 (AAA/retained earnings), and Form 4562 (Goodwill/Section 197 intangibles) and fills them in for you. Each use has a small API cost.
Assets
Current Assets
Fixed Assets (net)
Total Assets$0
Cash/Bank Balance
AR / Other Current Assets
From last year's Form 1120-S, Schedule L — Line 2a/2b "Trade notes and accounts receivable," end-of-year column.
Liabilities
Current Liabilities
Long-term Liabilities
Total Liabilities$0
Equity (S-Corp)
Total Equity$0
Liabilities + Equity$0
Enter Liabilities / Equity Directly
Accounts Payable (AP), credit card balance, other liabilities
Capital / Retained Earnings
From last year's Form 1120-S, Schedule M-2 — the ending AAA (Accumulated Adjustments Account) balance. Enter it once as "Retained Earnings - Prior Years"; this year's YTD net income (below) stacks on top of it automatically from then on.
Balance Sheet Basics Trainer
Practice the core equation: Assets = Liabilities + Equity. Enter simple numbers and see if it balances.
Fixed assets auto-applied from the Depreciation tab (cost − accumulated depreciation), filtered to the hospital selected above. Goodwill from an acquisition belongs here too — register it as a "Goodwill" asset in the Depreciation tab (Section 197, 15yr) tagged to the right hospital, and it flows into this Fixed Assets total automatically; check last year's Form 4562 for the cost basis and accumulated amortization if you're not sure it's already entered. Loan balances auto-synced from the Loans/Leases tab, filtered the same way (loans tagged "Shared" only show up in Combined).
Depreciation & Amortization
Add Asset/Intangible
Section 179: full expense in acquisition year. MACRS: IRS half-year convention. Straight-line: book basis.
Depreciation Training Lab
Practice how asset type/life/method changes annual depreciation. This is a training simulator (not tax advice).
Annual Depreciation Schedule
Registered Asset List
Asset Name Type Hospital Cost Basis Acquisition Date Method Useful Life Accumulated Depreciation Book Value
Loan & Lease Repayment Schedule
Add Loan/Lease
Period (months) = full loan length including any interest-only period (e.g. 15yr/180mo loan with 12mo interest-only is still 180, not 168). Leave "Principal Start" blank if the loan amortizes from day 1. Set it to a later date for loans with an interest-only period (e.g. acquisition loans) — principal will be $0 until that date, then the remaining balance amortizes over whatever's left of the term.
DSCR & Loan Readiness
Lender View:
~
Principal basis:
P&L source:
One-Time:
Owner pay (Std):
Generates an annotated text dump (figures + plain-English explanation of each one) you can paste into ChatGPT, Claude, or any AI tool to draft a lender-ready summary.
DSCR Overview — Combined Practices
Benchmark vs Standard — line-by-line — see exactly where the two DSCR numerators differ
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Custom DSCR Formula — compute DSCR exactly the way a specific lender does
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Portfolio Ranking
All active hospitals ranked by DSCR for the selected period — useful for spotting which location needs attention once there are several.
Rank Hospital Revenue EBITDA EBITDA % DSCR Status
DSCR by Period & Practice
DSCR over time — Combined (black) plus each practice in its own color. Monthly trend plots every month for a smooth line; Compare periods contrasts up to 3 custom From~To ranges.
View:
P&L:
Basis:
One-Time:
Range: ~
Standard (Covenant) DSCR — Detail
For any loan in the Loans tab with a "Covenant — Min. DSCR" set, this checks it against Combined practice DSCR for the selected period (Current/actual basis). Add a covenant value on a loan to have it show up here.
Global DSCR / Personal + Practice Loans Practice / Acquisition · SBA · Home Mortgage · Personal Loans
Practice + personal combined — this is the figure banks underwrite to for almost any borrowing: a practice acquisition or expansion loan, an SBA loan, a home mortgage, or a personal loan. Lenders want your full financial picture.
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Personal Monthly Debt
Personal Monthly Income (Outside Practice)
Insurance, food, utilities, tuition, etc. — not debt payments (those go on the left).
Mirrors how some lenders compute Personal Cash Flow: income − est. tax − living expenses. Off by default (our base view is more conservative on the numerator).
Tax Return Income (Last 3 Years)
Lenders typically average your last 2 years. Enter total reportable income — W-2 + K-1/Schedule E from the practice + any other sources.
Personal Borrowing Capacity
Based on your tax return income (2-yr avg) and monthly debts above — how much room is left for a new loan?
Conventional: 36-43% · FHA: up to 50%
DSCR Tools — Stress Test · Sensitivity
Stress-test new loans and run rate/EBITDA sensitivity — anchored to the Custom DSCR Formula in the Overview above.
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Compare Target Practices (Independent — from Seller's Documents)
Enter what each seller's documents show for practices you're considering. Each deal is calculated independently — "could this practice stand on its own?"
Don't take any seller's P&L at face value. Tax returns and P&Ls can be adjusted; a real due-diligence pass should verify these numbers directly against each practice's own PMS data (Dentrix/Eaglesoft/Open Dental production & collections reports), not just the summary the seller hands over.
Acquisition Pipeline
Snapshots a deal above into a permanent record so it doesn't get lost when you start looking at the next one. Track status and why you passed/pursued it — this history becomes its own asset over time.
Acquisition Journey
A standing record of every deal you've evaluated, grouped by what happened — built to make the "why" patterns visible at a glance, not just buried in individual notes.
Predicted vs Actual
For a deal marked "Acquired," link it to the practice it became — this compares what was estimated when you decided to buy against the real numbers since, so your own judgment gets calibrated deal over deal.
Acquisition / De Novo Readiness
Everything you need lined up before buying a practice or opening a new one from scratch — readiness scoring, startup budgeting, lender document prep, and a record of every report generated.
Readiness Scorecard
A quick self-check across the things lenders and your own due-diligence care about. Check what's done — the score updates live. Saved automatically.
De Novo Startup Budget
Estimated one-time costs to open a new practice from scratch. Edit any line; totals and the implied loan (after your down payment) update live. A typical general-dentistry de novo runs $350k–$550k all-in.
De Novo Cash-Flow Simulator
Month-by-month pro-forma: revenue ramps up while costs hit from day one. Shows your cash-burn curve, the working capital you must have on hand to survive, and the break-even month. Uses the startup loan implied by the budget above. Benchmark defaults are editable. Saved automatically.
Hiring plan (benchmark sequence — edit freely)
Acquisition Roadmap & Checklist
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From LOI to closing and beyond — the real sequence, with the slow items (loan, medical underwriting, credentialing) flagged so you start them early. Check off steps as you go; progress is saved.
Acquisition Evaluator
Enter a target practice's annual numbers → get its SDE, a fair-value range, the acquisition-loan payment, the deal's DSCR, and the pre-tax cash this deal would put in your pocket. Rough guide — confirm with a broker/CPA. Saved automatically.
Lender Document Checklist
Typical documents requested for a dental practice loan (acquisition, expansion, or refinance). Exact list varies by lender — confirm with whoever you're applying through. Checked state is saved.
Report History
Automatically logged every time a document is generated (or the AI export is used) — a record of what's been prepared and when, useful for keeping a consistent reporting trail with a lender over time.
Deal Explorer
Two quick checks for a prospective buyer. Start with what you can afford, then pressure-test a specific practice. No P&L needed — just what you know.
A 30-second gut check. Three numbers, and we'll estimate the practice size your finances could support.
What you make now as an associate / employee — banks average your last 2 years.
Student loans, car, housing, etc. For practice loans this is a secondary factor — the practice's own cash flow leads. Still useful context.
Cash, savings, brokerage you could tap. Dental lenders usually want you to keep ~5–10% of the loan in reserves after closing — this drives what you can target more than income does.
A first practice purchase is about more than these numbers — patient mix, referrals, staffing, and your own clinical fit matter too. More on that is coming.
Skill Match
Two things banks and brokers never help with: what can you actually do chairside, and what is this practice sending out the door that you could keep in-house. Build your skill profile, map it against a target practice, and turn the gap into a revenue opportunity — and a lender story.
A · My clinical skill profile
For each procedure, set how comfortable you are. Saved automatically — this is your record to build over time.
B · What does the target practice refer out?
From the practice's production report or your DD questions: roughly how many of each procedure per month does it currently send to an outside specialist? Add an average fee to estimate the in-house opportunity.
Practice annual collections (optional, for context): $
Practice Fit
The things a P&L won't tell you: insurance mix, fee schedules, chairs, staff, hygiene demand. Capture what you learn in due diligence, compare it to what you want, and get a plain fit read — plus notes for your lender story.
Insurance & fee structure
Rough % of revenue by payer type (should total ~100%). FFS & strong PPO = healthier margins; heavy Medicaid = higher volume, lower per-visit.
Operatories & capacity
Hygiene & staff
Associate plan