About AccountsOS
AccountsOS is an AI accountant.
Finn does the production work on a real double-entry ledger, and a person signs every filing. It does the bookkeeping, VAT, year-end and deadlines for limited company directors, sole traders and accountancy practices across 32 countries.
Services
What AccountsOS does
The production work of accounting, done by Finn. You, or your accountant, review and sign.
Bookkeeping and bank reconciliation
Finn reads your bank feeds, statements and receipts, categorises every transaction and matches payments to invoices and bills. It all posts to a double-entry ledger (the same record-keeping standard accountants use), so the reports always add up. You only look at the items Finn could not match with confidence.
VAT and Making Tax Digital
Finn works out the VAT return from the books, including Standard, Flat Rate and Cash Accounting schemes. AccountsOS is HMRC-recognised software for Making Tax Digital VAT, so in the UK the return goes straight to HMRC once you review and approve it. In other countries Finn prepares the local VAT, GST or sales tax position and tracks the deadline.
Year-end accounts and company tax
Finn prepares the annual accounts and the Corporation Tax computation from the ledger, then hands them to you or your accountant to review and sign. UK companies also get Companies House deadline sync and confirmation statement checks. Sole traders get Self Assessment instead, with none of the limited-company extras they do not need.
Invoicing, bills and expenses
Send invoices with automatic reminders, track bills, and run expense claims with multi-currency conversion and an approver step. Forward a document and Finn turns it into the right record: a bill, an invoice line or a receipt matched to its payment.
Deadlines and proactive alerts
Finn watches every filing date, missing receipt and unusual balance, and tells you before it becomes a problem. You get one list of what needs you, in the app, by email or in chat, rather than a dashboard to check.
A practice desk across the client book
For accountancy practices, Finn runs the same production work across every client, then sweeps a whole deadline group at once and marks each file ready or blocked with the reason. Your team reviews and signs off. Staff allocation, client work and practice management sit in the same place, so the firm runs on one system instead of five.
Differences
What makes AccountsOS different
Competitor prices are monthly, excluding VAT, read on each vendor's own site in September 2026.
The price is on the page
Of the thirteen products in the September 2026 A to Z of AI Accounting Software ranking, only three publish a price: Digits, Briefcase and AccountsOS. AI-native rivals such as Campfire, Basis and Artifact AI make you book a demo before you learn what it costs. You can sign up and use AccountsOS today without speaking to anyone.
About half the price of Xero or Sage for a limited company
AccountsOS costs a UK limited company £20 a month, with everything included. Xero Grow is £39, QuickBooks Essentials is £38 and Sage Standard is £43. A sole trader pays £10, level with QuickBooks Sole Trader Plus at £10.
£12 per live client, with no metering
A practice pays £12 per live client a month, banding to £10 above 100 and £8 above 250, with no minimum. A real limited-company client costs a practice £13.50 to £25 on Sage plus per-document and per-credit charges, £19 to £28 on QuickBooks, and £19 to £39 on Briefcase depending on document volume. Dormant files go on the Ledger tier at £1.50.
Finn does the work, not just the software
Xero, QuickBooks and Sage give you software to operate, and the categorising, matching and year-end prep is still somebody's afternoon. On AccountsOS, Finn does that production work and brings you only the decisions. Finn is built in from the ground up, not a chat window added to an old product.
32 countries, one login
Each country is built with its own tax rules, registry, currency and entity types, from HMRC and Companies House in the UK to the ATO in Australia and the IRS in the US. A founder with companies in two countries, or a practice with clients abroad, runs them all from one account at one price.
Full side-by-side: compare AccountsOS and pricing.
Customers
Who uses AccountsOS
Not built for enterprises with an in-house finance team, or businesses that need a full statutory audit.
Team
The team behind AccountsOS
Paul Gosnell, founder
Paul has shipped digital products for 20 years and started his first company in 2003. He founded the product studio Tent & Bear in Dubai in 2018, grew it to around 30 people across Dubai, Abu Dhabi and Morocco, and exited; he also built the fitness platform Fitlink from 2017 to 2024.
Why AccountsOS exists
In November 2025 Paul set up a new UK limited company and had a hundred questions. The software expected him to be an accountant, so he built Finn to do the work and answer the questions in plain English.
AccountsOS is built and owned by Agentic Finance Ltd, headquartered in London with offices in London and Norfolk. It went live in the UK in December 2025, filed its first live VAT return to HMRC in July 2026, and is now live in 32 countries.
Working with us
How AccountsOS works
Where you talk to Finn
In the web app, by voice, by email (forward anything to documents@accounts-os.com), on WhatsApp, Telegram and Slack, and by calling Finn from any phone. Developers and AI agents connect through the MCP server and REST API.
Response times
Finn answers questions in seconds, at any hour, with your books in front of it. Anything Finn cannot resolve becomes a ticket for the AccountsOS team.
Who you work with
Finn, day to day, for bookkeeping questions, uploads and deadlines. You, or your accountant, review and sign every filing. Finn prepares; a person decides.
Turnaround
Transactions are categorised as they arrive. Reconciliation, month-end and batch preparation run in the background and notify you when they finish, so nothing waits for an appointment.
Onboarding for founders
Sign up, get 14 days free with no card, then connect a bank or upload statements. Moving from Xero, QuickBooks or another tool is an export and an upload; Finn maps your old chart of accounts for you.
Onboarding for practices
A 30-day trial with no card. Most firms test on demo data first, then move clients across in batches at a pace that suits their year. Nobody has to load a whole book at once.
Reference
AccountsOS key facts
- Company name
- AccountsOS
- Type
- AI accountant (accounting software with an AI agent, Finn, that does the production work)
- Founded
- December 2025
- Founder
- Paul Gosnell
- Legal entity
- Agentic Finance Ltd, registered in England and Wales, company number 17515543
- Headquarters
- London, United Kingdom
- Offices
- London and Norfolk
- Website
- accounts-os.com
- Core offering
- Bookkeeping, reconciliation, VAT, year-end accounts, company tax, invoicing, expenses and deadlines, done by Finn and signed by a person
- Pricing
- Founders: £20/month for a limited company, £10/month for a sole trader, local-currency prices in every country. Practices: £12 per live client/month, banding to £10 and £8; Ledger tier £1.50 per file
- Free trial
- 14 days for founders, 30 days for practices, no card
- Contract terms
- Monthly, cancel any time. Practices are billed in arrears on live clients, with no minimum
- Services
- Bookkeeping, bank reconciliation, VAT and Making Tax Digital, annual accounts, Corporation Tax, Self Assessment, invoicing, bills, expense claims, deadline tracking, practice management
- Countries
- 32 live, including the UK, Ireland, the US, Canada, Australia, New Zealand, the UAE, Singapore, Germany and the Netherlands
- Compliance
- HMRC-recognised software for Making Tax Digital VAT, on HMRC's list of compatible software. First live VAT return filed to HMRC on 7 July 2026
- Communication
- Web app, voice, phone, email, WhatsApp, Telegram, Slack, MCP server and REST API
- AI integrations
- MCP server with 96 tools for Claude Desktop, Claude Code and other AI agents
- Customers served
- Limited company directors, sole traders and accountancy practices
- Notable clients
- Not published. We name customers only with their permission
- Competitors
- Xero, QuickBooks, Sage, FreeAgent, Dext, Briefcase, Digits
FAQ
Frequently asked questions
What is AccountsOS?
Who is Finn?
Does AccountsOS replace my accountant?
Is AccountsOS HMRC-recognised?
How much does AccountsOS cost?
Can I move from Xero, QuickBooks or Sage?
Who is behind AccountsOS?
Your books, finished. You didn't do them.
Try AccountsOS free for 14 days, no card. Running a practice? Finn runs the books. You grow the practice.