Pricing
Stop paying $160/mo to stay compliant.
Xero ($35/mo) + accountant ($125/mo) = $160/mo and you still don't fully understand your numbers. Owner CFO starts at $0. AI bookkeeping from $7.
What you pay today
≈ $160 / mo
Xero $35 + accountant $125
Owner CFO Free
$0 / mo
Full P&L, GST/BAS, invoices
With AI from
$7 / mo
Auto-categorise + receipt OCR
Getting started
Free
Your books without the bill.
$0forever
- 1 entity
- 100 transactions / month
- Manual categorisation
- GST 101A / BAS export
- IR3 / ITR pre-fill
- Real-time P&L
- Invoices + quotes (5 active)
- Compliance calendar
- Mileage log
- AI categorisation
- Receipt OCR
- AI advisor
- Payroll
Solo operator
Starter
Less than a coffee. Stops the manual work.
NZ$7/mo
- Everything in Free
- Unlimited transactions
- AI auto-categorisation
- 30 receipt OCRs / month
- Anomaly detection
- Goal tracking
- Unlimited invoices + quotes
- Time tracking
- AI advisor
- Payroll
- Multiple entities
Most popular
Confident freelancer
Pro
The full picture, automated.
NZ$19/mo
- Everything in Starter
- 100 receipt OCRs / month
- All compliance reports
- Recurring invoices + late-pay cascade
- Email-in receipts
- Goal tracking with AI suggestions
- Priority support
- AI advisor Q&A
- Payroll
- Multiple entities
Growing business
Business
AI advisor, payroll, and up to 3 entities.
NZ$39/mo
- Everything in Pro
- Unlimited receipt OCR
- AI advisor (deep finance Q&A)
- Growth insights by industry
- NZ payroll + KiwiSaver
- AU PAYG instalment tracking
- Up to 3 entities
- Multi-shareholder reports
- Xero data import
- Unlimited entities
- ICA / Franking wizard
Agency / company
Agency
Unlimited entities, ICA wizard, dedicated support.
NZ$79/mo
- Everything in Business
- Unlimited entities
- ICA (NZ) / Franking (AU) wizard
- Multi-shareholder current accounts
- Dividend distribution wizard
- Expense claims workflow
- Consolidated multi-entity P&L
- Mortgage-ready financial pack
- Dedicated support
Full feature comparison
| Feature | Free | Starter | Pro | Business | Agency |
|---|---|---|---|---|---|
| Entities | 1 | 1 | 1 | 3 | Unlimited |
| Transactions / month | 100 | Unlimited | Unlimited | Unlimited | Unlimited |
| AI categorisation | |||||
| Receipt OCR | 30 / mo | 100 / mo | Unlimited | Unlimited | |
| GST 101A / BAS export | |||||
| IR3 / ITR pre-fill | |||||
| Invoices + quotes | 5 active | Unlimited | Unlimited | Unlimited | Unlimited |
| Goal tracking | AI-assisted | AI-assisted | AI-assisted | ||
| Anomaly detection | |||||
| Compliance calendar | |||||
| Recurring invoices | |||||
| NZ payroll + KiwiSaver | |||||
| AI advisor | |||||
| Growth insights | |||||
| ICA / Franking wizard | |||||
| Expense claims | |||||
| Support | Community | Community | Priority | Priority | Dedicated |
How we compare
| Product | Entry price | AI | NZ + AU | Cap risk |
|---|---|---|---|---|
| Owner CFO | Free / $7 | None | ||
| Hnry | 1% of revenue | $1,500/yr cap but penalises earners | ||
| Rounded | $24/mo | Limited | None | |
| Thriday | $30/mo | AU only | ||
| Xero | $35/mo | Still need accountant |
Common questions
Why $7/mo? What do I actually get?
+Why is AI locked behind the paid tier?
+I'm on Xero + an accountant. What changes?
+How does the annual discount work?
+What happens if I hit the transaction limit on Free?
+Can I downgrade anytime?
+No credit card required
Start free. Pay $7 when you're ready for AI.
Get the full bookkeeping, GST/BAS, and invoicing stack at zero cost. Upgrade when the manual work gets old.
Create free account