T:0
T:0: AI bookkeeping, close workflows, financial reporting, and optional CPA-led services. Ranked #17 of 32 in AI Accounting Software by our editors (7.7/10); pricing: Paid; best for US startups wanting AI bookkeeping with services.
At a glance
- Editor score7.7 / 10
- PricingPaid
- Best forUS startups wanting AI bookkeeping with services
- Free planNo
- Paid from$199/mo
- Bookkeeping automationYes
- Facts checked22 Sep 2026
Where it wins
- Automates categorization, reconciliation, and continuous or monthly close workflows
- Connects banking, payroll, cards, billing, and payment data
- Adds dedicated CPA support, tax filing, and CFO services on higher tiers
Where it doesn't
- Starts at $199 per month with no free plan
- Managed Bookkeeping starts at $599 per month
- Available to startups operating in the United States
Our verdict on T:0
T:0 is an AI-native accounting platform from Airwallex for startups and scaling businesses operating in the United States. It builds a business-specific chart of accounts, applies accounting rules, categorizes transactions, reconciles accounts and journal entries, and produces real-time balance sheet, P&L, and cash-flow statements. Its AI features answer questions about cash, burn, revenue, and runway, while revenue recognition and an immutable audit trail support ongoing financial operations.
Pricing separates platform access from service-led support. Platform-Only Access costs $199 per month and includes financial statements, automated categorization, custom accounting rules, standard revenue recognition, and financial-account integrations. Managed Bookkeeping starts at $599 per month and adds a dedicated CPA, CPA-certified monthly close, ongoing reconciliation and review, Slack support, and white-glove onboarding. Managed Bookkeeping + Tax starts at $749 per month and adds tax advisory, federal tax filing, one state filing, deadline management, and R&D tax credit evaluation. CFO Services is custom priced and covers forecasting, cash and runway management, board and investor deck preparation, 409A valuation support, and scenario planning.
For businesses that want accounting data connected across core finance systems, T:0 supports bank accounts, cards, payroll, billing, and payments through web and API access. The platform’s focus extends beyond basic bookkeeping into close management, reporting, revenue recognition, financial questions, and traceable accounting rules. That breadth suits startups needing a connected accounting process or access to CPA and CFO services. Businesses seeking a free entry tier, a lower-cost bookkeeping tool, or availability beyond U.S.-operating startups should look elsewhere.
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T:0 pricing
T:0 fact sheet
| Free plan | No |
|---|---|
| Paid from | $199/mo |
| Bookkeeping automation | Yes |
| Bank reconciliation | Yes |
| Close management | Yes |
| Document capture | Not verified |
| Approval workflows | Not verified |
| Multi-entity support | Not verified |
| Accounting integrations | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Support | Email, Live chat |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Integrations | 12,000+ integrations: bank accounts, cards, payroll, billing, payments |
| Pricing | Paid (source) |
| Website | t0.ai |
| Facts checked | 22 Sep 2026 |
T:0 integrations
T:0 lists 12,000+ integrations on its own site — the 5 named here are the ones its pages call out.
- bank accounts
- cards
- payroll
- billing
- payments
Alternatives to T:0
- DocytBroad AI accounting for multi-entity teams, with free and paid plans.9.4
- DigitsDigits brings automated bookkeeping, reconciliation, close workflows, and reporting into one platform.9.3
- PuzzleAffordable AI accounting covering books, reconciliation, reporting, and close workflows.9.2
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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