# AccountsOS — AI Accounting for Founders (21 Countries)
# https://accounts-os.com/llms.txt

> AI-native accounting. Chat with your books in plain English.

## What AccountsOS is

AccountsOS is an AI accounting platform for company directors, freelancers and founders. It covers bookkeeping, VAT, invoicing, expense tracking, financial reporting and tax deadline management. The AI (named Finn) works like a dedicated accountant: it categorises transactions, reads receipts, answers questions, tracks deadlines and produces financial reports. It supports 21 countries including UK, US, Australia, UAE, Germany, Ireland, Singapore, Canada, Netherlands, Sweden, New Zealand and more.

Pricing: 14-day free trial, then £20/month (all features included). No per-feature add-ons.

## Who it's for

Company directors running micro-businesses (solo founder to 5 employees), freelancers who have incorporated, agency and consultancy owners. Businesses with £50k-£500k revenue who either do their own bookkeeping or pay £100-300/month for an accountant they rarely hear from.

Not for: enterprises with finance teams, businesses requiring full audit.

## Core capabilities

- Chat in plain English: "What did I spend on software last quarter?" or "When is my next VAT deadline?"
- Voice commands: talk to Finn hands-free
- Receipt/invoice capture: photo, email forward, PDF upload — all auto-categorised
- Bank statement import: CSV (Barclays, Revolut, Starling, Monzo, HSBC, Lloyds) and PDF via AI
- Live bank connections: Revolut Business, Starling Bank, Wise Business, Mercury, Stripe
- Double-entry general ledger with P&L, Balance Sheet, VAT reports
- Invoicing: create, send, track, reminders for late payment
- Bills and payment tracking
- Expense claims with multi-currency FX conversion
- VAT: Standard, Flat Rate, Cash Accounting — MTD-ready HMRC submission
- Deadline tracking: CT600, VAT returns, Confirmation Statement (Companies House sync)
- Proactive insights: Finn spots trends, flags tax savings, alerts on unusual spend
- Director's Loan Account monitoring with S455 tax warnings
- Document intelligence: AI reads documents and creates bills/invoices from them
- Contact management with deduplication
- Integrations: Deel (payroll/contractors), Companies House, Stripe, Claude Desktop (MCP)

## For AI Agents

MCP endpoint: POST https://accounts-os.com/api/mcp (Bearer auth)
A2A endpoint: POST https://accounts-os.com/api/agent (JSON-RPC 2.0)
MCP npm package: @thriveventurelabs/accountsos-mcp (Claude Desktop)

### Available Tools (read scope)
- get_transactions — List/filter transactions with date range and category filters
- get_balance — Account balance summary
- get_vat_summary — VAT position for a quarter (9-box breakdown)
- get_deadlines — Upcoming filing deadlines with days remaining
- list_categories — All account categories by type
- search_documents — Semantic search over stored documents
- get_dla_balance — Director's Loan Account balance and S455 status
- get_invoices — Outstanding invoices and payment summary

### Available Tools (write scope)
- create_transaction — Record income or expense
- update_transaction — Modify existing transaction (category, notes, VAT)
- categorize_transaction — AI category suggestion for a transaction
- create_deadline — Create filing/tax deadline reminder

### Authentication
All requests: Authorization: Bearer YOUR_API_KEY
Obtain via dashboard Settings > Integrations or hello@accounts-os.com

## Country coverage

Live: GB, AE, IE, BG, HK, US, AU, TR, IM, GG, DE, DK, SG, NL, SE, IN, CH, CA, AT, NO, NZ
Each country has localised tax rules, entity types, and deadline tracking via Finn's country skills.
UK has deepest coverage: HMRC MTD, Companies House sync, CT600 tracking.

## Human contact

- Support: hello@accounts-os.com
- Website: https://accounts-os.com
- Full context: https://accounts-os.com/context.md
- MCP manifest: https://accounts-os.com/mcp.json
- Agent card: https://accounts-os.com/.well-known/agent.json