Recognize merchant variations
Combine descriptions that refer to the same merchant even when a store number, terminal code, location, or statement prefix changes.
Optional cloud AI with guardrails
Use an AI transaction organizer without losing the details.
Local merchant rules group recognized purchases first. When a signed-in customer explicitly enables cloud AI, SargoTax can suggest cleaner merchant names and categories for the remaining transactions.
Designed for regular taxpayers, with extra organization tools when self-employment or 1099 work applies.
SargoTax AI
Merchant group review
Similar charges, one expandable group
Merchant variationsStandardized
Matching purchasesGrouped
Suggested expense categoryReady to confirm
Lower-confidence resultsReview required
Every grouped total opens back into its original transactions so you can separate, exclude, or recategorize any purchase.
Suggest, then ask for confirmation
AI can propose a standardized name and available category, but it does not silently overwrite a category you already confirmed.
Send less data to the cloud
The optional review sends the merchant description, a temporary ID, available category names, and consent version—not the statement or transaction amount.
A calmer workflow
Local matching first. Optional AI only with consent.
The experience is designed to reduce repetitive sorting while keeping the transaction list, business context, and final decision with the customer.
- 01
Import and match locally
SargoTax extracts supported statement purchases on the device and applies explainable local merchant matching where possible.
- 02
Choose whether to use cloud AI
A signed-in customer can turn on the consent switch for optional merchant review, or keep using local organization only.
- 03
Confirm every suggestion
Review the proposed merchant group, category, and confidence; undo, separate, exclude, or edit transactions whenever needed.
Built around your review
AI assists with organization—not deductibility.
The same merchant can represent a business or personal purchase. SargoTax keeps suggestions reviewable because business purpose cannot be proven from a statement description alone.
- ✓Cloud AI stays off until a signed-in customer explicitly enables it.
- ✓Transaction dates, amounts, original statements, receipts, balances, and account numbers are not sent for merchant review.
- ✓Low-confidence suggestions remain visible for review and customer-confirmed categories are preserved.
SargoTax AI
Make the next tax step easier to see.
AI suggestions may be inaccurate and are not tax advice. Review every merchant group and confirm the business purpose before including an expense.
Explore more SargoTax features