Free to draft with no account needed. Subscription: US$9.99 per week (billed weekly) or US$99.99 per year (about US$8.33 per month, billed yearly). US App Store prices. Free trial included: two weeks free on annual plan, one week on weekly plan for eligible new iOS subscribers.
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
Unlimited invoices, estimates and receipts with subscription
Nine customizable invoice templates with logo and accent color
Price book for labor, material and hire rates
Receipt scanning with AI that reads merchant, amount, tax and category
Time tracking and jobs calendar that turn into invoice lines
Recurring invoices
Reports as CSV, spreadsheet or PDF
Portable backup file you own
Core invoicing works offline
Stripe payment collection with automatic payment recording
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
Works completely offline for core invoicing and PDF creation
No account required to start drafting and creating invoices
Saved clients and rates auto-fill invoices to save time
Estimate converts to invoice in one tap with no re-entry
OPERAFI
Invoice Koi