1
Tell us where money comes in and goes out
A short chat builds your checklist: bank, cards, POS, delivery apps, payroll, suppliers, rent.
For restaurant owners
Your restaurant's P&L, from the statements you already have.
Upload your bank, card, delivery, POS and payroll statements. Summl reads them, sorts every transaction, and builds a profit & loss with plain-English analysis. Then ask it anything about your numbers.
We're opening Summl to restaurants soon. Leave your email and we'll tell you when you can start. No spam.
How it works
Four steps. About as long as a coffee.
2
Upload your statements
PDFs, Excel or CSV exports, even photos of receipts. Summl checks nothing on your list is missing.
3
Get your P&L
Every transaction sorted, transfers and duplicates removed, totals checked against your deposits.
4
Ask about your numbers
"Why is food cost so low?" "What's my labor percentage?" Answers come from your own P&L.
What you get
A real P&L, and what it means.
An example with a fictional restaurant. Yours comes as an Excel file with live formulas, every transaction, and the analysis.
Profit & loss · Jan 1 – Jan 31, 2026
Test Bistro
Revenue$63,013
Net income$15,593
Margin24.7%
| Line | Jan 2026 | % of sales |
|---|---|---|
| In-store & takeout sales | $42,000.00 | 66.7% |
| Delivery: DoorDash & Uber Eats | $21,200.00 | 33.6% |
| Catering, less refunds & comps | −$187.50 | −0.3% |
| Total revenue | $63,012.50 | 100.0% |
| Food & packaging | $6,659.30 | 10.6% |
| Wages & payroll taxes | $26,120.00 | 41.5% |
| Prime cost | $32,779.30 | 52.0% |
| Rent, fees, utilities & other | $14,640.11 | 23.2% |
| Net income | $15,593.09 | 24.7% |
Watch out
Food cost is 10.3% of sales, far below the usual 28–35%. Purchases are probably missing: there's no card statement for Jan 17–31.
Biggest cost
Labor is 41.5% of sales, above the typical 25–35%. Comparing schedules with sales by hour is the place to start.
On target
Delivery fees are 21.2% of delivery sales, within the typical 15–30%. POS and delivery payouts match the bank deposits.
Needs your answer
A $1,850 loan payment: the interest part is an expense. Upload the loan statement and the P&L updates.
Works with what you have
No new software. No bank logins.
Download the statements and reports you already get, and upload them. PDF, Excel, CSV, Word or photos.
Bank statementsCredit card statements
Square, Toast, Clover reportsDoorDash, Uber Eats, Grubhub
Gusto, ADP payrollSupplier invoices
ReceiptsRent & utility bills
Pricing
Pay for the P&L you need.
No subscription required. Prices are before any sales tax.
Free
$0
- 10 restaurant questions a month
- Costs, pricing, delivery apps, payroll, cash flow
One-time P&L
$50 and up
| Up to 1 month | $50 |
| 2–3 months | $100 |
| 4–12 months | $200 |
- P&L with analysis and an Excel file
- 100 follow-up questions about it
- Documents cover more or less than you bought? We check before building: upgrade for the difference, or keep the rest as store credit.
Bookkeeping Coming soon
$60 / month
- A P&L every month, built from that month's statements
- Email reminders when it's time to upload
- Unlimited questions (fair use)
Your data
Private by default.
Only you see your files
Statements are stored encrypted in a private store and used only to build your reports. We don't sell or share your data.
AI that doesn't learn from you
Summl uses Anthropic's Claude through its business API, which doesn't use your documents to train its models.
Card payments by Stripe
You pay on Stripe's secure page. Your card details never reach Summl.
Summl gives you a clear picture of your numbers. It isn't tax or accounting advice: for taxes and filings, work with your accountant, and hand them the Excel file.
Questions
FAQ
Which files can I upload?
Bank and card statements, POS reports, delivery app payouts, payroll reports, supplier invoices and receipts, as PDF, Excel, CSV, Word or photos. During the interview Summl lists exactly which ones it needs from you.
How long does it take?
The interview takes a few minutes. Once your files are uploaded, reading them and building the P&L usually takes a few minutes more.
What if my statements cover more or less than I paid for?
Summl checks the dates before building. If they cover more months, you can upgrade by paying the difference or build only the months you paid for. If they cover fewer, you can upload the missing months or switch to the smaller P&L and keep the difference as store credit.
Cash or accrual?
You choose when you start. Most small restaurants use cash basis.
Can I get a refund?
Before your P&L is built, contact us and we'll sort it out. Once it's built, payments aren't refundable. See the refund policy.
Can I delete my data?
Yes. Email support@summl.com and we'll delete your account, files and reports. See the privacy policy.
Do I still need an accountant?
For taxes and filings, yes. Summl helps you understand your numbers month to month, and gives your accountant a clean Excel file with every transaction.