I went looking for a spreadsheet worth replacing, and noticed people abuse them in two telling ways. The first is Goal Seek — dragging one assumption back and forth until the model lands on the number you need: a target return, a break-even price. The second is the trail of saved copies — v1, v2, final, final-FINAL — because a sheet forgets the instant you overwrite a cell, even when you need to know what it said last quarter.

AccountMD is built to do both properly: let you optimise toward a target instead of nudging cells by hand, on top of an immutable ledger that appends every change instead of overwriting it — so the past is never lost and a correction adds to the record rather than erasing it. Consolidating entities across crypto and fiat, with actuals fed live from Xero, is just a feature that falls out of getting those two things right.

That second part — a book that never forgets — is the foundation, and it’s the part you can play with right now. The trick isn’t saving copies; it’s that history is a query: the books store what changed, and any past state is recovered by asking for it as of a moment in time. You can only optimise, or trust, a book that works that way. Here’s what that looks like: