More small businesses are using AI, with 68% now using it regularly—up from 48% less than a year ago, according to Intuit QuickBooks’ April 2025 Small Business Insights survey. Many say the technology is helping them save time and boost productivity.
Intuit is leaning into that momentum with a new lineup of AI agents embedded into its QuickBooks platform. These agents analyze data across accounting, payments and customer relationship management to deliver real-time insights and ready‑to‑approve tasks in one streamlined feed.
Here’s what these agents offer and how they can support your day‑to‑day business operations.
A Virtual Team Working Behind the Scenes
QuickBooks’ new AI agents are designed to work like a built-in support team, all feeding into a central business feed on your QuickBooks homepage. This dashboard provides real‑time business insights, suggests actions and summarizes tasks completed by the AI agents. At a glance, you might see categorized transactions, invoices ready to send or new leads flagged for follow‑up.
A similar overview extends to the QuickBooks mobile app, so you can approve agent actions or check performance metrics on the go.
Quickbooks’ AI agents include an Accounting Agent, Payments Agent, Customer Agent, Finance Agent and Project Management Agent. You stay in control with the ability to approve, dismiss or edit their suggestions. And certain features like invoice reminders can be turned on or off as needed.
Features and access to AI agents depend on which paid QuickBooks plan you choose:
- Simple Start: Offers select AI‑enhanced features like smart expense organization
- Essentials: Adds Accounting and Payments Agents
- Plus: Layers in the Customer Agent, plus AI‑driven Profit and Loss (P&L) and balance‑sheet insights
- Advanced: Includes all of the above, plus the Finance Agent and Project Management Agent
- Enterprise Suite: Includes all of the above and unlocks additional capabilities within the Project Management agent
Together, these AI agents can assist you with several business tasks. Here’s how each one contributes.
Accounting Agent for Cleaner Books
The Accounting Agent works in real time to help keep your books clean and accurate. As bank transactions flow in, it categorizes the ones it’s confident about and collects them in a ready-to-post list you can approve with a single click. Transactions with a clear category—such as QuickBooks invoice payments, QuickBooks Payroll deposits or rule-based expenses—can be posted automatically without extra steps. Every action is logged in the business feed, allowing you to review what changed at any time.
If you’re on a Plus, Advanced or Enterprise Suite plan, you’ll also get enhanced support:
- Reconciliation assistance: The agent flags mismatches between your bank statements and QuickBooks records, helping you catch and fix discrepancies.
- Report scanning: The agent reviews your balance sheet and P&L reports for common issues like duplicates or miscategorized income.
- Root-cause insights: The agent identifies a problem and briefly explains what likely caused it.
Collectively, these workflow improvements can help you save time. In Intuit’s April 2025 customer survey, 45% of QuickBooks Online customers using the AI-powered bank feed said it saved them about 12 hours per month on bookkeeping.
Payments Agent for Faster Invoicing
Fifty-six percent of U.S. small businesses are owed money from unpaid invoices, at an average of $17,500 each, according to Intuit QuickBooks’ 2025 Small Business Late Payments Report. That kind of strain can delay growth projects and tighten cash flow.
The Payments Agent is designed to encourage quicker payments and reduce manual follow-up. As soon as you create or open an invoice, it provides suggestions tailored to the customer’s payment history—like offering preferred payment methods, proposing an invoice reminder schedule or recommending a specific late-fee policy.
It can also personalize invoice emails and auto‑fill fields using data from contracts, PDFs or images. Suggestions are editable before sending, and features like reminders or late fees can be toggled on or off to match your preferences.
In Intuit’s 2024 U.S. beta test, businesses that used AI-drafted invoice reminder features were paid about five days faster on average than those relying on standard follow-ups.
Customer Agent for Managing Leads
Inboxes fill up fast, and it’s easy to lose track of potential leads. That’s where QuickBooks’ Customer Agent can help. Once you link your Gmail, which is currently the only supported email provider, the agent scans the past 30 days of emails to identify new prospects and then tags them as Hot (high intent) or Warm (early interest).
It also summarizes each lead’s needs based on the email thread, making it easier to respond quickly. Leads will show up as email alerts and in a prioritized list on the QuickBooks Leads page.
You can mark prospects as “Lead” or “Not a Lead,” which guides the agent’s next step:
- Draft a reply email.
- Suggest a meeting invite.
- Prepare an estimate for review.
Every conversation is logged in the Customer Hub, where the agent continues to monitor status and suggest follow-ups. You simply confirm or dismiss to move things forward, as needed.
Intuit’s privacy policies note that Gmail data is pulled only after you grant access, is protected with AES-256 encryption, and isn’t sold or rented to third parties without your consent. You can also revoke Gmail access at any time, instantly halting further scans while preserving already-captured lead records in QuickBooks.
Finance Agents for Business Insights
Spotting financial issues once a quarter can sometimes mean spotting them too late. QuickBooks’ Finance Agent offers a view of your business performance. Each month, it creates a financial summary with key updates on income, expenses, cash flow and year-over-year comparisons. Data refreshes daily, so insights stay current even between formal reviews.
You can view details for each figure to explore the customers, projects or expense categories behind the totals. The agent’s analysis highlights significant fluctuations and compares your results to your goals or industry peers to provide added context.
If you need more clarity, you can also ask the agent follow-up questions.
Project Management Agent to Help Keep Projects On Track
The Project Management Agent can help you set clearer profit goals from the outset by analyzing your business’s past performance alongside industry benchmarks. When you start a new project, the agent panel appears beside your setup screen, allowing you to upload contracts, estimates or spreadsheets. It uses those documents to prefill key fields like the customer’s name, project title and expected timeline to make project setup faster.
If you’re using Intuit Enterprise Suite, the agent offers deeper planning support. It generates estimates from uploaded files, assigns task owners, recommends deadlines and flags priorities based on the content you’ve provided. As work progresses, it monitors profitability and timing, suggesting course corrections to help keep things on track.
At closeout, the agent generates a summary of how the project performed against its goals. Enterprise Suite users also get access to advanced tools, such as automated cost allocation, peer-based profitability targets and a detailed management report with suggestions to improve margins on future jobs.
Bringing AI Into Your Business Workflow with Human Insight
QuickBooks’ AI agents are designed to handle a wide range of day-to-day tasks and surface helpful insights, but they’re not meant to replace your judgment.
For example, a QuickBooks Live subscription gives you access to certified bookkeeping experts who can help fine-tune your automation settings, review categorized transactions, assist with reconciliation and walk through key financial reports—so you get AI-powered support alongside seasoned professionals who understand the bigger picture.
If you’re just getting started with AI, a gradual approach can help. For example, you might start each morning by checking the Accounting Agent’s categorized transactions in your business feed, or you might want to set aside Fridays to review the Payments Agent’s invoice reminders.
Over time, these tools can reveal useful patterns like which customers consistently pay late or which projects regularly go over budget. These trends can inform your pricing, planning or follow-up strategies in a way that’s both data-backed and simple to act on.
Ultimately, these tools aren’t meant to replace your judgment—they’re there to help you reduce busywork and support clearer decision-making where it matters.