Smart Clerk is the real deal, they are constantly improving the Pro Forma Accounting process to make sure that users' privacy is protected while still enabling us to have Pro Forma statements (right now just Income Statement but hopefully cashflow statement soon). I may have to lower my rating if they don't build in a way to automatically classify the transfers between your bank accounts as income, since for legal and real estate professions both, there is a need to have accounts which are considered Escrow or Client Funds, and currently it doesn't let you teach the ai, nor manually categorize, these transfers as income from clients. So there are some industries that can't use it yet but I think they will fix this asap.