Start free:no card, price locked.

Everything your business needs. Under one roof.

Formation, EIN, bank, books, payroll, and every filing deadline — Totter does the work. You build the business.

Start a companyBring mine over

No card. Your signup price, locked in writing.

New company · Harbor Provisions LLC

  • Articles filed with the state

  • Registered agent standing by

  • EIN issued

  • Business bank account

  • Books opened

  • Compliance calendar set

  • Payroll ready for hire #1

Ready to operate — you named it. Totter did the rest.

Formation rolling out now — see what's live

A money rule, running

Stripe payout · Coffee Roasters checking

+$8,400.00

  • Operating

    keeps 60%

    +$5,040.00

  • Tax reserve

    sets aside 25%

    +$2,100.00

  • Holdings

    up to parent · 15%

    +$1,260.00

Split the moment it lands — even across companies. Your rule, approved once.

Then run it — and everything you start next.

Harbor Holdings · enterprise view

Total cash on hand

$479,903.84

+9.0% vs last 30 days · all three companies

Your companies

  • Harbor Holdings LLC

    Holding · own books

    $212,304.11

  • Harbor Coffee Roasters LLC

    Operating · own books

    $179,148.90

  • Harbor Provisions LLC

    Operating · own books

    $88,450.83

Kept separate by the ledger — they cannot blur

Reviews waiting: 4

Rules armed: 3

Next sweep: Fri

Last approval: 2m ago

QuickBooks migration, made easy.

QuickBooks · General Ledger export

Totter · posted

Totals match QuickBooks

  • Roaster maintenance

    6120 · Repairs

    -$412.00

  • Wholesale order — Pier 9

    4000 · Sales

    +$2,180.00

  • Green coffee, 3 pallets

    5010 · COGS

    -$3,644.50

  • July rent

    6300 · Rent

    -$3,800.00

  • Card payout

    1010 · Checking

    +$5,092.55

Your books arrive intact

Entry for entry. Nothing renamed or renumbered.

You check the math

Verified against QuickBooks' own totals. Free, no card.

Your hands already know it

Registers, rules, review-and-post — nothing to relearn.

Your people come free

Bookkeeper and CPA seats, scoped to the right companies.

There's a worst possible way to run this. You're living it.

Today

  • Secretary of State portal

    On hold · 47 min and counting

  • IRS EIN application

    Typing the same details. Again.

  • Bank branch appointment

    Next opening: two weeks out

  • Payroll setup packet

    Page 6 of 14

  • The roll-up spreadsheet

    Sunday · 11:40 PM

  • State registration renewal

    Due in 9 days, no reminder

With Totter

Your company's one profile

Legal name
matches the state record
EIN
stored encrypted
Addresses and officers
kept current
  • State filing — pre-filled
  • Bank application — pre-filled
  • Payroll enrollment — pre-filled

Typed once, ever. Every application starts finished.

One platform for all of it. Built on books that cannot blur.

Structure you can see. Every company its own books.

Ownership map

Harbor Holdings LLC

Own books · verified

Coffee Roasters LLC

100% · own books

Provisions LLC

100% · own books

A clean sale, audit, or tax season for one company never tangles the others.

Money on your rules. Previewed before it runs.

A rule, in your words

When Coffee Roasters · checking ends the week above $40,000, sweep the extra to Holdings · reserve.

Preview — this Friday: $12,410.16 queued for your OK

Approve rule

Say it the way you'd say it out loud. It runs on schedule — and still asks first.

Ask in English. Approve before it acts.

Sweep Provisions' profit up to Holdings each quarter

✦ Plan drafted — quarterly sweep, est. $31,240

Waiting for your approval. Nothing has moved.

Hand an AI assistant the clicking — with keys you watch and revoke.

Five tools. One flat price.

Every company you add today means another subscription and another login. With Totter the price stays flat when company #4 arrives.

QuickBooks — Company 1QuickBooks — Company 2Xero — Company 3The Excel roll-upA pile of bank logins

With Totter

From $59/month

However many companies you run. Locked in writing at signup.

  • All your companies' books, kept safely separate
  • The roll-up view — no spreadsheet
  • Your bookkeeper and CPA, free, on the right companies
See the flat price

Nothing moves without you.

Agents propose. Your review queue disposes. One rule with no exceptions: anything that matters waits for your yes.

1

It drafts the plan

Payments, payroll runs, filings — you see exactly what's about to change, in plain English.

2

You say yes

You, or someone you named. Assistants and automations prepare; they never approve their own work.

3

It happens, on the record

Logged with who approved it and when. Never a matter of memory.

Your money stays at your bank. Totter records and directs — it never holds your funds.

Review queue · waiting for your OK

  • Bluebird Roasting Supply · Coffee Roasters

    ✦ Cost of goods · supplies

    -$1,240.00

    Review

  • Pier 9 Property Mgmt · Provisions

    ✦ Rent expense

    -$3,800.00

    Post ✓

  • Stripe payout · week 31 · Coffee Roasters

    ✦ Sales revenue

    +$18,092.55

    Review

Suggestions prepare the entry — nothing posts until a person says so.

Apply once. Attach everything else.

Prove a company is yours one time. Every facility after that starts pre-filled and pre-verified — and every piece is optional.

  • Books and reportsIncluded
  • Bank feeds and importAvailable now
  • Money rulesAvailable now
  • AI assistant accessAvailable now
  • Formation + registered agentRolling out

Every piece is optional — use what helps, skip the rest.

What your accountant will ask — answered

No rented customer logos, no invented quotes. Judge us the way your CPA will — by the rules the system physically cannot break. Their seat is free.

  • Books can't go out of balance — the engine refuses
  • History is never quietly edited — corrections leave a trail
  • Closed months stay closed
  • Every action is signed and time-stamped
  • One company can never borrow another's accounts
  • Your account numbers stay exactly as you wrote them

These rules hold for us too — Totter runs its own books on Totter.

Built so your CPA says yes.

Clean reports labeled with exactly what they contain. A paper trail behind every number. Full export anytime, self-serve. You can always leave — which is exactly why you can trust staying.

Questions? Pricing and common questions · Ask us directly

You're not buying software. You're buying the head start.

Liability kept separate. Books your CPA can defend. Your time back to build.

Start free