Free plan at $0.00/mo includes manual transaction input, bank account adding, up to 1 year history, transaction categorization, and Koody AI. Standard plan is $2.99/mo with up to 3 years history and exports. Plus plan is $4.99/mo with statement imports, auto-categorization, unlimited history, and bu
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
Automatic transaction categorization
Import PDF and CSV bank statements
Profit and loss reports
Cash flow tracking by week and category
Year-over-year profit comparison
Manual transaction entry
Receipt and invoice attachment
Export reports for accountant
Tax set-aside 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
Works without bank login - import statements manually or use PDF/CSV files
Keeps personal and business transactions separate in the same account
Built-in business categories from tax forms
See cash flow patterns by week to make informed spending decisions
OPERAFI
Koody