Try the new dotio Open beta

Hire your AI
finance team.

You don't need to know or talk finance. Ask in plain words, in any language. Agents will help with accounting, taxes, invoicing, expenses, planning, reporting.

14-day money-back guarantee

B Books · closed for April
T Q1 tax pack · ready
I 14 invoices sent · €38k
Dotio product dashboard preview
Who is Dotio For

Dotio works for your
kind of business.

What is Dotio For

Three things,
one finance system.

A full AI finance team

A CFO that plans. An Accountant, an Analyst that answers anything. They learn your business and work together.

CFOPlans ahead
AccountantTracks dollars
AnalystForecast
Tax GuideTax prep
BookkeeperDaily books
PayableAccount Payables
Ask in plain words, they'll get it

A complete finance OS

Bookkeeping, invoicing, expenses, budgets, FP&A, reports. All truly AI native. Not a spreadsheet with a chatbot on top.

Banking baked right in

Send an invoice. Your client pays your way or Stripe. Bank connections and cards are on the way.

Bank Connections Soon
Get Payments Soon
Company Cards Soon
Bank Automations Soon

Real-time numbers you can trust

Every action your AI team takes is logged, attributed, and ready to roll up into the report your investor or accountant asked for.

Cash Flow
$132,000 18.6% vs last month
Daily
Live
May 14 $132K
May 6 May 9 May 12 May 15 May 18 May 21 May 24
Cash Flow
$132,000 18.6%
vs last month
May 10 $132K
May 6 May 12 May 18

Bank connections that just work.

Connect your bank accounts securely so your AI team sees real transactions. No more uploading CSVs.

Learn more
Dotio Automations

Work that used to take hours.
Now it just happens.

Bookkeeping

Forward an email,
book an entry.

Vendor invoices arrive in your inbox. Your AI team reads them, categorizes, and books them. Like a full-time bookkeeper, on duty 24/7.

Inbox · auto-booked
AWS · Cloud Infra − $612
Notion · Software − $48
Lyft · Travel − $32

Forward the email. Dotio reads, categorizes, and posts the entry. No manual data entry.

Monthly close
Entries booked1,284
Awaiting review3

Books close faster than before. Review the transactions in 5 minutes, sign off, done.

Invoicing & AR

Send invoices.
Get paid. Repeat.

Tell your AI team who to invoice and how much. They generate it, send it, schedule follow up on late payments and more.

Send · auto-reminders
Wave · INV-184 Paid
North · INV-183 Sent
Helio2 · INV-182 Draft

Set auto-reminders at 3, 7, and 14 days. AI help to track those so you don't have to.

This month · AR
$48.2k 22%
Outstanding$6.4k
Overdue$1.8k

Cash in, attributed by client and product. No spreadsheet to keep alive.

Reports & insights

Ask anything.
Get the answer.

Stop pinging your accountant. Ask your AI team in your language. They pull the numbers, help run the report, and explain what changed.

How am I doing vs my budget this month?
You are doing terrible, mind the burn. 8% over on marketing, 12% under on ops. Here's why, broken down by line item.
Generated files
P&L · AprilPDF
Cash forecastXLSX
Investor updatePDF

Real downloadable files. The documents your investor or accountant wants.

Meet your AI team

Specialists, not chatbots.

Each agent is a specialist who learns your business, talks to the others, and works while you sleep. The team keeps growing.

Live now
Agent · live

CFO

Coordinates the team & plans ahead. Answers "can I afford this?" Tells you what's coming before it hits.

Learn more
Agent · live

Accountant

Tracks every dollar in and out. Books expenses. Keeps your numbers in line and as expected.

Learn more
Agent · live

Analyst

Pulls any data you ask for. Runs forecasts. Answers questions in seconds.

Learn more
Agent · live

Tax Guide

Helps you prep for tax season. Gives you info in context, and helps you gather data.

Learn more
Agent · live

Bookkeeper

Helps you keep your books and transactions. Smart categorization, less backlog.

Learn more
Agent · live

Accounts Payable

Manages vendor invoices. Tracks what you owe. Helps you manage automatically or manually.

Learn more
Agent · live

Document Creator

Generates PDFs, Excel files, investor decks, reports, proposals. On command.

Learn more
From Dotio's team
"We understand finance is hard, with Dotio we want to make it invisible"
Pedro O. · Founder
Coming soon
TreasuryBank reconciliation, cash position, payment scheduling.soon
CollectionsChases unpaid invoices and sends reminders.soon
Legal OverviewReviews contracts, flags risks, summarizes terms.soon
ComplianceAsk about filing deadlines, VAT returns, payroll tax.soon
Hiring PlannerCost impact of new hires, runway with team growth.soon
Budget WatchdogVariance alerts on spend categories.soon
Pricing & Unit EconMargin per product, customer profitability, LTV.soon
Vendor ManagerVendor onboarding information, research and documents.soon
See it in Action

You don't have to
speak finance.

Just ask in any language. Text or voice. Your AI team performs and plans actual tasks, like a real finance team would.

Dotio Finance OS

Every finance tool a team uses.
In one place.

Wave · INV-184Paid
North · INV-183SentPaid
Helio2 · INV-182DraftSent
Nonsense · INV-181Draft

Invoices & payments

Tell your AI team: "Invoice Wave $3K for March." Done automatically. Late payer? Now with Dotio you can set scheduled reminders and your AI team sends reminders on your schedule. In a very polite and persistent way. All integrated into one platform that aims to solve all.

Expenses booking automations

Forward an email, snap a photo, or just tell your agent. Categorized and posted without you touching a spreadsheet.

AWS
AWS Cloud
Notion
Notion Software
Lyft
Lyft Travel

Bookkeeping, always current

AI agents book entries, categorize transactions, keep your books up to date. Every day, without you asking.

Revenue
+18%
vs last month
Up 18%. Great momentum!

Dashboards and reports have never been easier to create.

Real-time views of revenue, expenses, cash, burn. Ask for any report, get a downloadable file in seconds. P&L, cash flow, investor decks, custom reports.

Financial overview
Cash in
$24,500 vs last month
Expenses
$14,230 vs last month
Net position
$10,270 vs last month
You're trending ahead 🎉 Great job! Your cash flow is up 18.8% compared to last month View insights
AP

Accounts Payable

Invoices arrive by email. AI reads & drafts them for you to approve. Minimal manual data entry.

AR

Accounts Receivable

Track who owes you. AI sends payment reminders on schedule. See reports instantly.

BF

Budgets & Forecasts

Check budgets in plain words. AI helps you track when you're off course.

PA

Planning

Headcount planning, cost planning, scenario questions. Ask about the future, get real data.

BS

Balance Sheet

Check your balance sheet live reporting when bookkeeping is enabled or connected.

PL

Profit and Losses

See your P&L view at any time with live reporting. Use AI to help spot trends and flag changes.

Built-in Banking (soon)

Money in. Money out.
All inside Dotio.

Working on invoices

Invoice payments that arrive on their own.

Your AI creates an invoice. Your client gets a payment link via email. They pay by card or wire. Money arrives. No chasing.

Bank connections that just work.

Connect your bank accounts securely so your AI team sees real transactions. No more uploading CSVs.

Learn more
Banking · soon

Business cards that work when you need them.

dotio•••• 4012
4012 1234 5678 9010
Wave StudioVISA

Company cards connected to Dotio. Every purchase auto-categorized. Expenses booked automatically.

Winter '26
Dotio Integrations

Your AI team,
wherever you work.

Web app, Slack, Email, WhatsApp, Telegram, CLI, Voice, API. Your AI team goes where you go.

Web app

Web App

Full dashboard, chat with any agent, manage everything in one place.

Dotio Go

Dotio Go

Download Dotio's mobile app and take your agents on the go.

Slack

Slack soon

Say "@dotio book this invoice", right inside your team's workspace.

Email

Email soon

Forward invoices, get them booked. Receive daily and weekly digests.

Voice

Voice soon

Talk out loud. Your agents talk back. On any device, hands-free.

WhatsApp

WhatsApp soon

Ask your CFO anything from your phone. Text or voice, in any language.

Telegram

Telegram soon

Full agent access in a different app. Same team, same memory.

Terminal / CLI

CLI soon

For technical founders who live in the terminal. Pipe data, trigger workflows.

MCP

MCP soon

Plug Dotio into any MCP-compatible client. Bring your own tools.

API

API soon

Connect Dotio to your own tools and custom workflows.

Claude

Claude soon

Integrate with Anthropic's Claude. Let the agents manage.

ChatGPT

ChatGPT soon

Connect full agent access to Dotio via GPT chat.

Grok

Grok soon

Let xAI agents interact with Dotio via regular chat.

Gemini

Gemini soon

Talk to Dotio from inside Google's Gemini.

Stripe

Stripe soon

Accept payments in any currency, globally.

Dotio Go

Your finance team,
in your pocket.

Voice. Chat. On-the-go. Talk to your team between meetings, snap a receipt, send an invoice from a coffee shop.

Dotio Adapts to You

Built for any business,
anywhere.

A hair salon in Madrid. A SaaS startup in Berlin. A freelance designer in São Paulo. Dotio works for all of them.

Man with white beard and glasses against a yellow wall
Madrid

A hair salon in Madrid

Helps you book expenses, track costs, and collect data for tax returns. All in Spanish or any language, instantly.

Founder looking up at a clear blue sky
Berlin

A SaaS startup in Berlin

Runway forecasts, help with MRR, investor updates. Agents read connected data sources and your books.

Smiling freelancer in a yellow cardigan against a sunny sky

A freelance designer

Sends invoices in Portuguese, chases late payments politely, and prepares taxes without a bookkeeper.

Files & Reports

Your agents create
real files.

Ask for a report, a deck, a spreadsheet, a tax package, and get a downloadable file in seconds.

Monthly P&L reports PDF

Profit and loss, refreshed each month.

Investor update decks PPT

Slides ready to share with your board.

Excel financial models XLSX

Editable models for any scenario.

Tax preparation packages ZIP

Everything your accountant needs.

Client proposals DOC

Drafts for new business, on tap.

Budget vs actuals reports XLSX

How the month tracked against plan.

Cash flow forecasts XLSX

Cash in and out, week by week.

Invoice batches CSV

Bulk export of issued invoices.

Audit documentation ZIP

A complete trail, ready for review.

⌘K

Custom reports ANY

Describe what you need.

Your AI finance team
is ready.

Try Dotio for your business. 14-day money-back guarantee.

FAQ

Frequently
asked

Everything teams ask before they roll Dotio out. If something’s missing, our team replies within a few hours.

Talk to us 24/7
Do I need to understand finance to use Dotio?
No. That’s the whole point. You talk like you’d talk to a person. Your AI team understands finance - you don’t have to. We want you to ask in plain words, like you’d talk to a person.
Is there a free trial?
Plans come with a 14-day money-back guarantee (excl. credit packs). Full access and free onboarding from day one, and a full refund of your first payment if it’s not for you.
What happens when I run out of credits?
Your credits refresh every month, and plans are built to give you plenty. Need more? Top-ups are affordable and instant. If you ever run out, your AI agents simply pause until you top up or the next month starts. Everything else stays put: your data, dashboards, files, and reports.
Can I still use my own accountant?
Yes. Dotio works alongside your accountant, not instead of them. Give them access or export what they need in one click.
Is my data safe?
We take it seriously. Every company’s data is fully isolated from every other, encrypted in transit and at rest, and hosted with vetted providers, and we never sell it or use it to train AI models. No system can ever be guaranteed 100% secure, but you can see exactly how we protect yours on our Security page.
What languages do you support?
English, Spanish, Portuguese, French, German, Italian, and Polish. We’re building Dotio for every freelancer, founder, and small business in the language they work in, to make finance invisible.
Can Dotio work for my specific type of business?
Almost certainly. Dotio adapts to how your business works, from a hair salon to a B2B SaaS company. It’s general business software. One caveat, Dotio isn’t built for regulated activities like health, crypto, bank, fund, or insurer. For everyday business finance, it fits.
In their words

Real friction.
Real problems.

The AI finance team for
modern businesses.

Ask for an AI summary of Dotio

Making finance invisible for modern businesses. Join Dotio today and hire the team you can't afford

© 2026 Dotio. All rights reserved.
AI can make mistakes. Not legal, financial or tax advice.