Free accounting and invoicing software for small business
Stage
Startup
Startup
Founded
2026
2024
Based in
Not given
CA
Pricing model
Contact for pricing
Freemium
Pricing
Not given
Free plan: no cost, includes products, customers and sales (unlimited), 25 invoices per month, 10 receipt scans per month, 100 spreadsheet imports per month, 25 bank statement imports per month. Premium: $15 CAD/month (billed monthly) or $150 CAD/year (saves $30 per year), includes everything in Fre
Key features
AI-driven invoice processing with automatic data extraction, validation and categorization
Automated accounts payable with invoice intake, approval workflows and payment preparation
Accounts receivable monitoring with overdue invoice identification and automated follow-up
Automatic bank reconciliation that matches transactions and detects discrepancies
Finance workflow automation across systems, teams and approval steps
Cash flow forecasting with real-time visibility of financial obligations
AI Finance Assistant for natural language queries about financial data
Process optimization that identifies inefficiencies and recommends improvements
Multi-currency support and integration with European banking via SEPA and Open Banking
Full audit trails and transparent AI actions with human approval controls
AI receipt scanning with automatic detail extraction
Expense and revenue tracking with auto-categorization
Predictive analytics to forecast financial trends
Inventory management with low-stock alerts
Rental and booking management
Customer management with purchase history
Invoicing with online payment links via Stripe or Square
Spreadsheet and bank statement import with AI mapping
Financial reporting with customizable report builder
Canadian payroll with CPP, EI and tax calculation
What makes it different
Full finance operations stack in one platform, not point solutions like Agicap or Pennylane
Built specifically for European SMEs with multi-language and country-specific compliance support
Reduces invoice-to-payment cycles from days to hours
AI that acts autonomously, not just analyzes
SME-first design that scales up, not down from enterprise systems
Free forever core version with no credit card required
Designed for self-funded small businesses by a founder who understands their needs
Support from the founder with typically 1-8 business hour response time
Works offline and supports multiple companies even on the free plan
OPERAFI
Argo Books