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AI-powered bookkeeping for Finnish entrepreneurs, without the complexity, the accountant fees, or the end-of-year chaos.
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50% off your first 3 months with the code SPRING50

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Start for free, no credit card required. Setup takes just a few minutes.
Offer is valid until 30.4.2026.

NoCFO – Financial management on autopilot

Backed by

In partnership

In cooperation

Everything you need. Nothing you don't.

One platform that handles your bookkeeping, invoicing, payroll, and more, so you can stop juggling tools and get back to running your business.

AI-powered bookkeeping

NoCFO learns from your transactions and suggests entries automatically. Less manual work, fewer mistakes, more time for the business you're actually building.
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Invoicing, built in

Create and send invoices, and receive and pay incoming ones, all inside NoCFO, at no extra cost. No switching between tools, no surprise transaction fees.

Bank sync that just works

Connect to your bank in minutes. NoCFO integrates with over 2,500 banks across Europe, so transactions flow in automatically, in real time. No more importing files or chasing statements.
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Manage everything from your phone

NoCFO's mobile app puts your finances in your pocket. Snap a receipt the moment you get it, check your cash flow on the go, or approve an invoice with a swipe, whenever, wherever.
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Real-time financials

Always know where your business stands. Your numbers update as transactions come in, not once a month when your accountant gets around to it

Payroll without the headache

Payroll syncs directly with your bookkeeping. No double entry, no reconciling at month end. It just stays in sync.

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.

Art 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 Ltd
Picture by 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.

Entrepreneur

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The program is just what I needed to run a side business name. The AI sparring positively surprised and the Vault integration works brilliantly. With clear instructions, things can be done easily and cheaply.

Marjaliisa

Business name Avartamo

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The books had been hanging for months due to a lack of motivation for the receipt rally, even though I had already tested receipt scanner apps. NOCFO's new Vault integration came completely out of the blue — an incredible relief and just what I had been longing for!

Donald A.

Business name Kalle Alho

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A big thank you to NOCFO -- it's a clear, easy-to-use solution that does exactly what I need. I have recommended it to anyone with whom accounting has been talked about. It makes the whole process much simpler.

Tero N.

Entrepreneur - Grater Consulting Oy

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Thank you very much for a great product. The current version is already revolutionizing the process — accounting is done much more smoothly and with less effort.

Juha P.

Entrepreneur at Buonarroti Oy

Picture of Pin Pals reputation
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.

Treasurer Make

Pin Pals Imatra ry

NOCFO, a.

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 Ltd
Picture by 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, a.

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 Vault integration works great. With clear instructions, everything gets done easily and affordably.

Marjaliisa

Business name 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!

Donald A.

Business name 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 Ltd

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 reputation
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 Husband

Pin Pals Imatra ry

Now is the perfect time to switch

Right after year-end is the smartest moment to change accounting software. Your books are done, your slate is clean, and you have a full year ahead to do things properly.
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We're making it easy to make the move. We'll handle your data transfer for you, for free.

50% off for your first 3 months with the code SPRING50

Start with a free trial, no credit card needed. If NoCFO is right for you, the 50% discount is applied automatically.
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Offer ends April 30th, 2026.

Get started for free


Cancel anytime. No lock-in. No hidden fees.
For new users only.

Frequently asked questions

Do I need an accountant to use NoCFO?
No. NoCFO is built so that any entrepreneur can handle their own bookkeeping, even without an accounting background. That said, if you prefer to work with an accountant, NoCFO works seamlessly with accounting firms too.
How long does it take to get started?
Most users are up and running in just a few minutes. You can connect your bank in no time, and NoCFO starts importing your transactions automatically from there.
I'm currently using another software. Is switching difficult?
Not at all! And you won't have to do it alone. We handle the data transfer from your current software to NoCFO for free. Nothing gets lost, and our team makes sure you're set up correctly from day one.
Is NoCFO compliant with Finnish accounting requirements?
Yes. NoCFO is built specifically for Finnish businesses. It handles VAT reporting, double-entry bookkeeping, and financial statements in line with Finnish requirements.
What happens after my 3 discounted months?
Standard pricing applies from month 4. You'll always get a heads-up before any charge, and you can cancel anytime. In other words: no lock-in, no penalty.
How do I add the coupon code?
You can add the code easily by going to Settings → Your subscription → Start trial.

Put your financial management on autopilot

50% off your first 3 months with the code SPRING50

Get started

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