The all-in-one AI-native finance platform for UGs and GmbHs

Bookkeeping, invoices, receipts and VAT in one workflow with AI agent Luca and your tax advisor in the loop.

Start for free

See pricing

Free to start

No commitment

GDPR compliant

Data stored in the EU

The NoCFO dashboard on a laptop showing key figures, a balance sheet and an income and expenses chart, next to the mobile app showing account balances and documents

For freelancers, startups & UG/GmbH

2,500+ business account integrations including Holvi

Holvi business account integration

DATEV connection for tax advisors

XRechnung & ZUGFeRD

AI-assisted bookkeeping

XRechnung & ZUGFeRD

AI-assisted bookkeeping

The problem

Accounting is often needlessly complicated for small businesses

Receipts are scattered across emails, invoices are in one tool, bank transactions are in another, and the current financial overview often comes far too late. Especially at the beginning, this is a problem: you need to make decisions, but your numbers aren’t really up to date

NoCFO brings your most important financial processes into one simple workflow.

No more hunting for receipts and invoices

Keep an automatic eye on bank transactions

Send and receive e-invoices

Understand your financial figures continuously

Prepare clean data for your tax advisor

The problem

Accounting is often needlessly complicated for small businesses

NoCFO brings your most important

financial processes into one

simple workflow.

No more hunting for receipts and invoices

Keep an automatic eye on bank transactions

Send and receive e-invoices

Understand your financial figures continuously

Prepare clean data for your tax advisor

What it does for you

Real, everyday work handled for you, with AI doing the repetitive parts and you staying in control.

Concrete, everyday work taken off

your plate, not vague AI promises.

Real, everyday work handled for you, with AI doing the repetitive parts and you staying in control.

Import bank transactions automatically

Connect your business account and automatically import transactions from 2,500+ supported integrations, including Holvi.

Capture receipts easily

Scan receipts on mobile or forward invoices. AI reads the relevant data automatically and matches it to the right transactions.

Send and receive invoices

Create, send and manage invoices in one place, including modern e-invoice formats like XRechnung and ZUGFeRD.

Keep bookkeeping up to date

AI suggests entries and categories. You confirm, correct or automate recurring processes.

How it works

Five steps from bank connection to clean, advisor-ready data.

Five steps from bank connection

to clean, advisor-ready data.

1

Connect your account

Connect your business bank account, and transactions flow into NoCFO automatically

2

Capture receipts &
invoices

Photograph receipts, receive
invoices or create your own
outgoing invoices.

3

AI makes suggestions

AI spots patterns, suggests categories and helps prepare clean entries.

4

You stay in control

You confirm, review or adjust. The process stays simple but transparent.

5

Bring in your tax advisor

If you work with a tax advisor, data can be shared in a structured, DATEV-compatible way.

You stay in control

You confirm, review or adjust. The process stays simple but transparent.

Bring in your tax advisor

If you work with a tax advisor, data can be shared in a structured, DATEV-compatible way.

Who it's for

Newly founded UG

Proper bookkeeping from day one, on the free plan.

Less time on receipts, invoices

and bookkeeping. More time for clients and projects.

Operating GmbH

Bookkeeping, invoices and VAT in one place.

Set up your finances cleanly

from day one, keep the overview and grow prepared.

Multiple companies

Holding structure, separate books, one login.

Bring your business account,

receipts, invoices and bookkeeping data together in one clear process.

Partner

Tax advisors

Serve mandates as self-bookkeepers, under § 33 (5) StBVV.

Serve digital clients more

efficiently, with cleaner data,

fewer queries and DATEV integration.

Book a demo

Learn more for tax advisors

One connected workflow

Business account & financial management in one workflow

Connect your financial management directly to a business account, so account, transactions, receipts and bookkeeping run closer together. That reduces manual work and makes your financial process cleaner from the start, especially for newly founded UGs and GmbHs.

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Works with 2,500+ integrations, including Holvi

Your business

Invoices, receipts, daily finance

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

One connected workflow

Business account & financial management in one workflow

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Works with 2,500+ integrations, including Holvi

Your business

Invoices, receipts, daily finance

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

One connected workflow

Business account & financial management in one workflow

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Works with 2,500+ integrations, including Holvi

Your business

Invoices, receipts, daily finance

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

The NoCFO mobile app showing the Luca assistant with suggested questions about business performance and costs

NEW · AI CFO · Luca

More than bookkeeping: your financial overview inreal time

It's not just about getting bookkeeping done. Your AI CFO helps you make better decisions: it spots changes, flags anomalies and answers questions about your financial situation, based on your real business data.

Knows your real numbers, Answers are based on your actual

transactions and invoices, not generic advice.

Knows your real numbers

Answers are based on your actual

transactions and invoices.

Flags what matters, Surfaces changes and anomalies before

they become a problem.

Flags what matters

Surfaces changes and anomalies

before they become a problem.

Ask in plain language, No reports to build. Just ask a question and get a straight answer.

Ask in plain language

No reports to build, just ask a question

and get a straight answer.

Which clients pay late?

Why did costs rise this month?

Which invoices are open?

How long will my cash last?

AI does not replace tax advice. It helps you understand your numbers better and ask the right questions faster.

AI does not replace tax advice.

It helps you understand your

numbers better and ask the right

questions faster.

Knows your real numbers

Answers are based on your actual transactions and invoices, not generic advice.

Flags what matters

Surfaces changes and anomalies before they become a problem.

Ask in plain language

No reports to build. Just ask a question and get a straight answer.

Which clients pay late?

Why did costs rise this month?

Which invoices are open?

How long will my cash last?

AI does not replace tax advice. It helps you understand your numbers

better and ask the right questions faster.

41 % of active companies use Luca, three months after launch.

Which customers pay late?

Why did costs go up?

How much VAT should I expect this month?

NoCFO does not replace tax advice. Luca does the legwork and explains its suggestions in plain language, so you or your tax advisor stay in control.

Open API, MCP server included

NoCFO has an open REST API and an MCP server, on every plan. Connect your financial data to your own tools, or let Claude, ChatGPT and Cursor talk to NoCFO directly. No access that only unlocks on the most expensive plan.

API documentation

Connect AI tools

Snap a receipt and move on

The NoCFO app turns a photo of an invoice into a ready-made booking suggestion. Receipts, invoices and your financial overview travel with you, not just at your desk.

And your tax advisor

Firms serve small digital clients more efficiently. Clients capture receipts, invoices and bank data in one simple workflow, and the firm receives cleaner data and fewer queries.

Are you a tax advisor? Go to the tax firm page.

DATEV export in Buchungsstapel format, any time. The two-way integration is currently in beta and available to selected customers.

Payroll is coming later this year.

Learn more for tax advisors

NoCFO does not replace tax advice

NoCFO is the software and workflow layer for clients. Tax advice and responsibility stay with your firm. That's exactly why working with tax advisors is central to us.

NoCFO is the finance platform your clients work in. Tax advice and responsibility stay with your firm, and that’s exactly why working with

tax advisors is central to us.

Transparent pricing for small businesses

Start simple and pick the plan that fits your business.

Free

0 €

/ month

For very small businesses with few transactions.

24 €

/ month

For the self-employed and small businesses.

Pro

48 €

/ month

For startups and small businesses with more activity.

See all pricing

Prices shown are net; VAT is added depending on your country. Additional usage-based fees may apply depending on usage, e.g. for e-invoices.

See how it works,
in 30 minutes.

Book a short demo and we'll show you how NoCFO can work for your business or your firm.

What we'll figure out together

Which workflow fits you

Whether you'll use NoCFO with or without a tax advisor

How your banking tools and accounting systems connect

Which plan makes sense

Teemu Karuluoto

CEO & Co-founder

You'll be talking to the person who built this.

Book a demo

See how it works,
in 30 minutes.

Book a short demo and we'll show you how NoCFO can work for your business or your firm.

What we'll figure out together

Which workflow fits you

Whether you'll use NoCFO with or without a tax advisor

How your banking tools and accounting systems connect

Which plan makes sense

Teemu Karuluoto

CEO & Co-founder

You'll be talking to the person who built this.

Book a demo

See how it works,
in 30 minutes.

Book a short demo and we'll show you how NoCFO can work for your business or your firm.

What we'll figure out together

Which workflow fits you

Whether you'll use NoCFO with or without a tax advisor

How your banking tools and accounting systems connect

Which plan makes sense

Teemu Karuluoto

CEO & Co-founder

You'll be talking to the person who built this.

Book a demo

Customers and partners

Our first customers in Germany

And the tax advisor company we work with in Berlin.

Customer

Customer

Partner firm in Berlin

Our Partners

Frequently asked questions

Is NoCFO available in German?

Where is my data stored? (GDPR)

Do I still need a tax advisor?

Can I use NoCFO with a business account?

Does NoCFO support e-invoices?

Where is the data held?

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

The all-in-one AI-native finance platform for UGs and GmbHs