T:0
T:0 automates the full finance stack for startups, from bookkeeping to financial reporting, by connecting to a company's bank, cards, payroll, billing, and payment systems. The platform builds a living business profile, applies CPA-reviewed AI rules to categorize transactions and close the books hourly, and provides real-time answers to financial questions. It generates P&L, balance sheet, and cash flow statements from a proprietary live ledger, with every figure drillable to the underlying transaction.
- Financial Technology
- Enterprise Software
- Artificial Intelligence
- AI Agents
- Software Only
- Data & Analytics
Funding
Founders
Founder details are not available yet.
Product
Problem
Startups and small businesses often rely on manual bookkeeping, delayed reporting, and external accountants for financial clarity, leaving them without real-time visibility into cash flow, burn rate, or revenue trends. This creates bottlenecks in decision-making and obscures the financial health of the business.
Solution
T:0 automates the entire finance stack, from bookkeeping to trend analysis, by building a living profile of each business based on its industry and business model. The platform connects to a company's bank, cards, payroll, billing, and payments systems in minutes, automatically ingesting all financial data. AI categorizes transactions, reconciles journal entries, closes the books, and generates reports in real time, with every decision documented in a clear audit trail. Users can ask T:0 questions about cash, burn, or revenue directly in the app and receive immediate answers without waiting on an accountant. A weekly digest summarizes key metrics such as cash flow changes, burn rate, and runway, giving founders a concise financial snapshot.
Target Audience
Primary customers are seed to Series A startups in SaaS, AI, fintech, and developer tools, as well as small-to-medium businesses that need automated, real-time accounting and financial insights without maintaining a full in-house finance team.
Features
- AI-driven transaction categorization and journal entry reconciliation with full audit trail documentation
- Seamless integrations with bank accounts, corporate cards, payroll, billing, and payment platforms including Stripe, Ramp, Brex, Mercury, Deel, and Gusto, with 12,000+ total integrations
- Real-time book closing and financial reporting updated hourly, with no month-end assembly required
- Proprietary live ledger that generates P&L, balance sheet, and cash flow statements, with every figure drillable to the underlying transaction and the rule that created it
- Natural-language query interface for on-demand answers about cash, burn, revenue, and other financial metrics
- Custom chart of accounts generated from a business profile rather than a generic template, with CPA-reviewed categorization rules
- Advanced revenue recognition module supporting ratable, milestone, usage-based, or hybrid rules with deferred revenue waterfalls and SOX-compliant audit trails