For Attorneys & Forensic Accountants

Reconstruct real income from bank records — defensible in court.

When a business owner's declared income doesn't match their lifestyle, IncomeReady applies the same expenditure-method technique the IRS uses — personal expenses run through the business get flagged, unexplained cash gets surfaced, and every adjustment is shown, never buried inside a black-box score.

Start a reconstruction See the methodology

Expenditure method · Every adjustment explainable · Never guesses

RECONSTRUCTED

Business account — Sept

09/03Client Payment — Rivas LLC$4,120✓ Business

09/09Country Club Membership$1,850✗ Personal, add-back

09/15Cash Withdrawal$3,000✗ Unexplained

09/22Client Payment — Ortiz Co$3,860✓ Business

Reconstructed income (period)$12,830

What's actually different

Automated reconstruction vs. building it by hand

The expenditure method itself isn't new — it's how income reconstruction has always worked. What usually takes hours in a spreadsheet, categorizing hundreds of transactions one by one, is what IncomeReady speeds up, without hiding the logic behind it.

	IncomeReady	Manual Spreadsheet Reconstruction
Categorizes transactions automatically (business / personal)	Yes, editable line by line	Fully manual
Flags unexplained cash extraction	Yes, as its own category	Only if someone catches it
"Can't determine" escape hatch — never invents a category	Yes, built in	Depends on the analyst
Lifestyle-pattern findings kept separate from per-transaction findings	Yes, two distinct sections	Often mixed together
Exportable methodology appendix	Yes, included	Written separately, if at all

The actual workflow

From bank records to a defensible number

Import statements

Business and personal accounts for the subject — CSV import.

Tag every transaction

Business or personal, explicit per line — never inferred from upload order.

Categorize each add-back

Personal expense, unexplained cash, or legitimate business — with "can't determine" always available.

Get the reconstructed number

Recalculated live as you work, plus the full methodology appendix.

Why this tool shows its work

The one place in IncomeReady where the method isn't hidden

Every other part of the platform keeps its methodology behind the scenes. Not here — a reconstruction that can't be explained under oath isn't useful in litigation.

Every adjustment stays visible

Nothing is silently included or excluded — each add-back is categorized and shown.

Recalculated live

The reconstructed number updates the moment a category changes, so it's never stale mid-review.

Data isolation, per engagement

Each case's documents and findings stay scoped to that engagement only.

"Can't determine" is always available

The tool is never forced to guess a category it can't support.

What this tool is, and isn't: IncomeReady assists with income reconstruction using bank-record analysis and the expenditure method. It does not constitute expert witness testimony, legal advice, or a certified forensic accounting opinion, and it does not replace a qualified forensic accountant or attorney's review. Always pair it with a licensed professional before use in litigation.

Ready to start a reconstruction?

Every adjustment shown, every step explainable.

Start a reconstruction

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