Built for Australian business · ATO compliant

Accounting that thinks
ahead of your books

AccFino unifies AI reconciliation, ML cash flow forecasting, crypto & equity CGT, open banking, and GST invoicing — everything current platforms charge extra for, included from day one.

✓ Free base plan forever
✓ AU data residency always
✓ Cancel any time
accfino · dashboard ● Live
Cash flow
$42.8k
↑ 12.4%
GST owing
$6,240
due 28 Jul
Invoices
18
3 overdue
Monthly cash flow — 6 months
Recent transactions · AI classified
↑
Westpac Business — deposit
Income · GST-free
+$4,800.00
↓
AWS Invoice AU
Operating expense · 10% GST
−$284.50
↓
CommBank payroll run
Wages · STP Phase 2
−$9,200.00
AI classified 47 transactions this week · 2 flagged for review · BAS estimate updated
AI Reconciliation· ML Cash Flow Forecast· Crypto & Equity CGT· Open Banking· GST Invoice Management· BAS Direct Lodgement· STP Phase 2· Ollama LLM Classifier· PDF Invoice OCR· AI Reconciliation· ML Cash Flow Forecast· Crypto & Equity CGT· Open Banking· GST Invoice Management· BAS Direct Lodgement· STP Phase 2· Ollama LLM Classifier· PDF Invoice OCR·
$0
To get started — free base plan
6
Integrated modules — one platform
AU
Data residency — always local
4.9★
Average customer rating
Platform features

Six modules. One login.

Everything Australian businesses need — not fragmented across separate tools, subscriptions, and logins. Each module connects to the next.

🔀
AI Bank Reconciliation
Upload CSV or connect Open Banking for live feeds. The dual-engine classifier — LLM understanding combined with RDR rule logic — auto-categorises every transaction, computes GST, detects duplicates, and flags anomalies. BAS-ready output in minutes, not hours.
LLM + RDR rules · GST · Excel export
Accuracy
95% auto-classified
📈
ML Cash Flow Forecasting
A trained ensemble model predicts next-month cash flow from your transaction history. Visual charts, model leaderboard, and Excel export — included in all plans, not an upgrade.
scikit-learn ensemble · visual charts
₿
Crypto & Equity CGT
Import from any Australian or global exchange. AccFino normalises multi-format broker files, detects duplicates across sources, computes capital gains under ATO rules (FIFO / ACB), and exports an ATO-ready tax summary — no manual spreadsheet work.
Supported assets
BTC · ETH ASX equities US stocks DeFi + more
Multi-exchange · ATO CGT rules
🧾
GST Invoice Management
Generate GST-compliant invoices, manage customers and business profiles, track payment status, and extract structured data from any PDF invoice using built-in OCR — all from one screen.
PDF OCR · customer management
🏦
Open Banking Feeds
Direct connections to Australian banks. Transactions flow in automatically, are classified in real time, and update your reconciliation without a manual CSV download.
Westpac · CommBank · ANZ · NAB
🤖
Dual Classification Engine
AccFino combines an Ollama LLM for contextual understanding with an RDR (Ripple Down Rules) engine for deterministic business rules. Train and update rules directly in the admin panel — no model retraining needed. The result is higher accuracy than either approach alone.
Ollama · RDR rules · admin training UI
Why AccFino

What current platforms
don't give you

The tools Australian businesses actually need are locked behind premium tiers, expensive add-ons, or simply don't exist on most platforms. AccFino includes them from Starter.

01
ML forecasting on every plan
Most platforms treat cash flow forecasting as a premium feature — if they offer it at all. AccFino's ensemble ML model runs on your actual transaction history and predicts next-month cash flow with confidence intervals. Included from Starter, not locked behind Enterprise.
02
Crypto CGT — built in, not bolted on
Current platforms have no crypto CGT capability. Australian investors managing crypto alongside business accounts pay for separate tools, manually reconcile, and risk ATO audit exposure. AccFino handles it natively — import, normalise, calculate, lodge.
03
AI classification that learns your rules
Generic ML classifiers misfire on industry-specific transactions. AccFino's RDR rule engine lets you define deterministic rules that override the LLM — "any payment to this ABN is always Office Supplies." Accuracy compounds over time. Other platforms start over each session.
04
AU data — always, not optionally
Many current accounting platforms store Australian business data offshore by default. AccFino is designed and hosted in Australia from the ground up — not as a compliance checkbox. Your transaction data, invoices, and customer records never leave AU infrastructure.
Comparison

AccFino vs current platforms

A feature-by-feature look at what's included versus what gets added to your bill later.

Feature
Capability comparison
AI / ML transaction classification
ML cash flow forecasting
Crypto & equity CGT reports
Open Banking / bank feeds
PDF invoice OCR extraction
GST / BAS direct lodgement
Rule-based + LLM classifier
AU data residency
Free starting plan
Starting price (AUD/mo)
AccFino ✦
AccFino
From $0 / month
All plans · built-in
All plans · built-in
$15/mo module
✓
Built-in · all plans
✓
Unique to AccFino
✓ Always AU
✓ Free forever
$0 → $18 → $39
Current platforms
Market average
From $27–$32 / month
Add-on / Premium
Premium only
✗ Not available
✓
Paid add-on
✓
✗ Not available
Offshore by default
✗ No free plan
$27 – $150+
Simple pricing

Pay for what you use.
Nothing more.

All prices in AUD including GST. No per-seat fees. No setup costs. Upgrade, downgrade, or cancel any time.

Integrations

Connects with
your existing tools

AU banks, global exchanges, payment processors, and payroll platforms — all supported out of the box.

Westpac
CommBank
ANZ
NAB
Macquarie
Stripe
Binance
CoinSpot
Swyftx
Independent Reserve
Sharesight
CMC Markets
SelfWealth
Deputy (Payroll)
CSV (any bank)
Technology

Open, modern,
AU-hosted

Built on proven open-source technologies. Single Docker container architecture — no vendor lock-in, clean AWS migration path when you're ready to scale.

Frontend
React 18 Vite Recharts Lucide Northflank CDN
Backend API
FastAPI Python 3.11 uvicorn SQLAlchemy 2.0
AI / ML engine
Ollama LLM scikit-learn RDR rules pandas pdfplumber tesseract OCR
Infrastructure
Northflank Docker Cloudflare DNS Neon Postgres
Auth & payments
PyJWT bcrypt Stripe RBAC roles
Observability & email
Sentry PostHog Resend GitHub Actions
Customer stories

Trusted by founders
and their accountants

★★★★★
"Switched from our previous platform after 3 years. The AI categorisation alone saves 3 hours a month on BAS prep. Having crypto CGT built in — not as a $150/year add-on — made the decision for us."
SK
Sarah K.
CFO · Retail Group AU
★★★★★
"The ML cash flow forecast is genuinely useful — I can plan hiring and inventory 6 weeks ahead instead of reacting. The current platform we came from had nothing like this below the Enterprise tier."
MR
Marcus R.
Founder · BuildTech
★★★★★
"The PDF invoice extractor saves my team hours every week. We reconcile, invoice, and forecast in one dashboard. Everything is actually in Australia — which matters for our clients' compliance obligations."
JT
James T.
Director · Coastal Advisory

Start free today.
Upgrade when you're ready.

No credit card. No lock-in. Full access to Dashboard and Reconciliation from day one.

Free plan · forever
AU data residency
ATO compliant
Stripe-secured billing
Cancel any time