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, after the accuracy concerns of the reports, letting us do manual configurations to ensure accuracy, is addressed).

I hope they build in a way to automatically classify the transfers between your bank accounts as income as currently it treats all accounts, even escrow, as income. So there are some industries that can't use it yet and I hope they fix this soon.