Financial management on autopilot

NoCFO automates accounting for entrepreneurs and freelancers — save time, reduce expenses and handle legal obligations effortlessly.

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NoCFO – Financial management on autopilot

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Why us?

Don't waste time on complex accounting software that are not designed for small businesses' needs. NoCFO is an AI-based accounting software that provides everything a small business needs.

Independent Professional

Independent Professional

Do you get bored of entering receipts or do you pay too much for the accountant?

‍NoCFO automates accounting, invoicing and payroll, so you can focus on customers and not paperwork.

Small Venture Builder

Small Venture Builder

When the team grows, you can't waste time or money on outdated tools and inefficient accounting agencies.

‍NoCFO shows your finances in real time and automates routines so you don't waste time and you know always where company is at.

Treasurer

Treasurer of an Association

Financial statements, reports and small budgets should not be a source of stress.

‍NoCFO makes the accounting of the association clear, error-free and transparent from start to finish.

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See how NoCFO works in practice

The first app that makes bookkeeping as easy as swiping in social media.

Pricing

No hidden costs. Get started for free.

Annually
Save 20%
Monthly

Free

AI entries, AI expert support, sending and receiving invoices, pay salaries and report VAT with a click of a button.

The only limitation is 8 monthly transactions.

0€

/month

Annual billing

Start with Free

Most popular

Plus

Everything you can find in the Free package, but with a larger number of events. Includes a comprehensive starting meeting.

Including 80 monthly transactions.

20€

/month

Annual billing

Try 14 days for free

Pro

For a company with a lot of events. Everything you find in the Plus package, including a comprehensive starter meeting.

Including 240 monthly transactions.

40€

/month

Annual billing

Try 14 days for free

Growth

Are you a growing company and need more events? Do you invoice a lot and would need a lower cost in invoices or salaries?

In Growth, everything is customizable to your needs. Starting from 84 €/month

Contact us

Value-added tax is added.

Check full pricing

Free

AI entries, AI expert support, sending and receiving invoices, pay salaries and report VAT with a click of a button.

The only limitation is 8 monthly transactions.

0€

/monthly

Start with Free

Suosituin

Plus

Everything you can find in the Free package, but with a larger number of events. Includes a comprehensive starting meeting.

Including 80 monthly transactions.

24€

/monthly

Try 14 days for free

Pro

For a company with a lot of events. Everything you find in the Plus package, including a comprehensive starter meeting.

Including 240 monthly transactions.

48€

/monthly

Try 14 days for free

Growth

Are you a growing company and need more events? Do you invoice a lot and would need a lower cost in invoices or salaries?

In Growth, everything is customizable to your needs. Starting from 84 €/month

Contact us

Value-added tax is added.

Check full pricing

Not sure which plan is right for you?
Answer a few questions about your business — we'll help you figure it out.
Your usage
30
Accrual accounting: ~56 NoCFO transactions/month
1
No Yes
No Yes
Most active businesses grow into more transactions faster than expected. Plus gives you room to scale, a starting meeting, and real human support from day one.
Your volume goes beyond standard plans. Growth is the right fit if you have high transaction volumes, send a lot of invoices, or pay a lot of salaries — and want a custom price for it.
Your plan

FAQ

Everything you need to know before getting started.
What counts as a transaction?
Think of it as anything that needs to be recorded: a bank payment, a receipt, an invoice you sent or received, a salary payment. If money moved or a financial obligation was created, it's a transaction. Most active businesses rack up more than they'd expect.
What's included in the starting meeting?
A 30-minute call with someone from NoCFO to get you set up properly. We also move your existing data over from your old software or accountant for free, even if you're switching mid-year.
What's the difference between AI and human support?
With Free you get AI support in chat: quick answers, available anytime. With Plus and Pro a real person is on the other end, replying within 24 hours on weekdays.
What is accrual-based accounting?
It's when you record income and expenses as they happen, not when cash actually lands in your account. So if you invoice a client in December but they pay in January, it still counts for December. Most businesses that send invoices use it, but if you're not sure, just ask us.
Why does accrual accounting affect my transaction count?
Because each bank transaction creates more bookkeeping entries behind the scenes. On average about 1.85x more, which is why the calculator bumps up your estimate automatically when you toggle it on.
When does Growth make sense?
When your business has outgrown the standard plans. Maybe you have a lot of transactions, send invoices in bulk, or run payroll for a growing team and want a price that actually reflects your volume. Just get in touch and we'll figure it out together.

Support and Help

Expert Assistance When You Need It

While NOCFO empowers small business owners to manage their finances independently, we understand that questions or challenges may arise. That's why we offer:

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Human Chat support that replies in 24hours on weekdays

Reach out to our support team directly through the chat within the application for assistance in accounting or how to use the software.
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Comprehensive knowledge base and guidance

Access a wide range of articles and tutorials covering various aspects of NOCFO, from getting started guides to advanced features.
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Support meetings in Support Add-on

Beyond day-to-day support, we offer assistance with financial statements, tax returns, and other financial consulting needs through our network of professionals.
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Accounting agency partners

If you prefer to outsource your accounting tasks, we collaborate with trusted accounting firms that are well-versed in using NoCFO, ensuring a seamless transition and continued transparency in your financial records.

Customer Stories

Why are people using us?

Konsta Leskelä
This is a very good program! The Holvi integration works very smoothly, which is a big plus. I have tried many accounting tools for “small entrepreneurs”, but they are often so complex that even a degree in economics does not help.

Konsta L.

Entrepreneur Lykka oy

Picture of Aatu Pulkkinen
Ease of use and excellent price-quality ratio are important for us when choosing a service provider. NOCFO combines both elements seamlessly.

Aatu Pulkkinen

Accounting agency

Septimus Oy
Picture of Tanja Karonen
This is such a great platform! I am amazed at the intuitiveness and user-friendliness of a few accounting programs that NOCFO  has achieved so far.

Tanja K.

Entrepreneur - TMK Asunnot Oy

NOCFO's solution was really clever, and I was able to handle both the bookkeeping and the financial statements for my side business myself with the help of the Plus package.

Matti S.

Sivutoiminen Yrittäjä

NOCFO icon
The program is exactly what I've been needing to run my part-time sole proprietorship. The AI sparring partner was a positive surprise, and the Holvi integration works brilliantly. With clear instructions, the tasks are handled easily and affordably.

Marjaliisa

Toiminimi Avartamo

NOCFO icon
The bookkeeping had been hanging for months due to a lack of motivation for the receipt hustle, even though I had already tested receipt scanner apps. NOCFO's new Holvi integration came completely out of the blue to save the day—an absolute huge relief and just what I had been needing!

Kalle A.

Toiminimi Kalle Alho

NOCFO icon
A huge thanks to NOCFO—it's a clear, easy-to-use solution that does exactly what I need. I have recommended it to everyone I've talked to about bookkeeping. It makes the whole process much simpler.

Tero N.

Yrittäjä - Grater Consulting Oy

NOCFO icon round
A huge thanks for the excellent product. Even this current version is revolutionizing how things are done—the bookkeeping is handled much more smoothly and with less effort.

Juha P.

Entrepreneur at Buonarroti Oy

Picture of Pin Pals ry
I didn't have any previous experience with bookkeeping applications, and learning a new one is always a bit daunting. The service was a positive surprise in every way and fits our association's needs perfectly (like a 'strike' in bowling). NOCFO is simple, and even a 57-year-old bookkeeping novice can use it.

Rahastonhoitaja Make

Pin Pals Imatra ry

NOCFO was really handy, and with the help of the Plus package I was able to handle both the bookkeeping and the financial statements for my side business completely myself.

Matti S.

Side-hustle Entrepreneur

Picture of Aatu Pulkkinen
When choosing a service provider, ease of use and excellent value for money are key for us. NOCFO combines both elements seamlessly.

Aatu Pulkkinen

Accounting office 

Septimus Oy
Picture of Tanja Karonen
Your platform is absolutely AWESOME! After slogging through several accounting programs, I’m completely stunned by the intuitiveness and user-friendliness you’ve achieved so far.

Tanja K.

Entrepreneur at TMK Asunnot Oy

NOCFO was really handy, and with the help of the Plus package I was able to handle both the bookkeeping and the financial statements for my side business completely myself.

Matti S.

Side-hustle Entrepreneur

NOCFO icon round
The software is exactly what I’ve been looking for to run my side business. The AI assistant was a pleasant surprise, and the Holvi integration works great. With clear instructions, everything gets done easily and affordably.

Marjaliisa

Toiminimi Entrepreneur Avartamo

I’d been putting off my bookkeeping for months, even after testing receipt scanner apps – just couldn’t bring myself to deal with the hassle. NOCFO’s new Holvi integration came out of nowhere – an absolute game-changer and exactly what I needed!

Kalle A.

Toiminimi Kalle Alho

Big thanks for NOCFO – it’s a solid, easy-to-use solution that does exactly what I need. I’ve been recommending it to everyone I’ve had bookkeeping conversations with. It really simplifies the process.

Tero N.

Entrepreneur at Grater Consulting Oy

Big thanks for a great product. Even the current version is a real game changer – bookkeeping is now much smoother and less of a hassle.

Juha P.

Entrepreneur at Buonarroti Oy

Picture of Pin Pals ry
I had no prior experience with accounting software, and learning new tools can be intimidating. But NOCFO was a pleasant surprise—simple, effective, and perfect for our association’s needs. Even a 57-year-old accounting novice like me can use it!

Treasury Make

Pin Pals Imatra ry

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