AI-native finance
From start-up to scale-up

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Automate your company's finance stack. From bookkeeping to trend analysis, get real time answers to your business needs.

T:0 product dashboard

: Companies using T:0

CODIAtmosfyTrialKitSeismicbeautiful.aiTwelveLabsCohereMasterClassEight Sleep
Atmosfy logo with a martini glass icon.Stylized white letter A with a small airplane silhouette inside the triangle on a black background.Seismic company logo with stacked trapezoid shapes on the leftTrialKit company logo with stylized icon and text.TwelveLabs company logo with a dot-pattern design to the left of the text.beautiful.aibeautiful.aiCohere company logo with stylized icon and text.Harvey text logo in black serif font on white background.Eight SleepMasterClassEight Sleep

: HOW IT WORKS

AI-native accounting. For real.

1

Learns your business.

Every business is unique. T:0 builds a living profile of your business from the ground up, understanding your industry and business model. Accounting customized for you.

2

Connects to your stack.

Seamlessly integrates with your bank, cards, payroll, billing, and payments in minutes. Everything flows in automatically.

3

Runs your accounting

AI categorizes transcations, reconciles journal entries, closes the books, and reports in real time. All backed by a clear audit trail documenting every decision

4

Answers on demand.

Ask T:0 about your cash, burn, revenue, or anything else, right from the app. No waiting on your accountant or scheduling time with a CFO.

Animated business profile icon
Connect your stack — integrations orbiting T:ZERO
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Weekly digest
Summarized Apr 7 – 13

Cash flow is up 9% this week after the $12k Stripe transfer. Your burn rate is at $7.9k/mo, but there's a $150 jump in Vercel costs. At this rate, you have a 15-month runway.

: AGENTs

Meet your team

AI
Building business profile...
Payroll expense - October
Payroll
$12,312.00
Subscription revenue
Revenue
$8,530.00
Figma monthly subscription
Software & Subscriptions
$897.00
A
Subscription revenue
Revenue
$8,530.00
I saw the $20M deposit from Capital 49, congratulations! Is this a Series A financing?
Yes, I just raised my Series A. How should I get ready for my first Board meeting?
Given they are a sophisticated B2B investor, I would recommend breaking down your revenue accounts to be more granular to show detail at the product level. I can also help you create a set of key B2B metrics that you will likely need. Would you like me to proceed?
Great, please do. And I want these metrics to be sent to me every Monday at 8am.
Done!
AI
Ask T:0...
Hey T:0, how did we perform this month?
JAN 2026 REVENUE
$281K
↑ 8%
JAN 2026 BURN RATE
$9.5K
↓ 8%
Done! Here is your report.
AI
Ask T:0...
Hey T:0, can we connect you to my banking and payroll accounts?
Of course! Let's connect all your primary financial accounts to bring everything into one place.
AI
What would you like to do with T:0 today?
The Accountant

THE ACCOUNTANT

Your AI Accountant keeps the books accurate every day. It learns how your business operates, categorizing and reconciling transactions to ensure your financials are always right.

The Tax Prepper

The Scout

The Scout studies your business before you tell it anything, pulling details from the web to understand your industry and model. It builds your chart of accounts and picks the metrics that actually matter to you, then keeps adjusting as your business changes

The Real-Time Reporter

THE CFO

Your CFO turns financial activity into clear, actionable insights. Ask about revenue, burn, runway, or cash flow, and get answers straight from your live books. Drill down from any number to the transaction behind it.

The Real-Time Reporter

THE Integrator

The Integrator syncs payroll, payments, cards, banks, and more. T:0 connects to the 12,000+ tools you already use so your books are complete from day one.

: Customers

On your marks. Get set. Grow.

However you're playing it, sprint or marathon, we take care of the books so you can focus on what actually moves the business. See how teams put T:0 to work.

We were doing everything by hand in spreadsheets. This replaced hours of work every week. It's the first tool that actually feels like it was built for how we run.

Frank DiGiacomo
Specie

: who it's for

From solo founders to scaling businesses

Whether you're doing your own books or running a finance team, T:0 fits with how you work today and adapts as your needs get more complex.

See Pricing

Business is a numbers game

JAN 2026 REVENUE

Revenue trend up

$281K

↑ 8%
Founder with shopping bag

JAN 2026 BURN RATE

Burn rate trend down

$9.5K

↓ 8%

The teams that win don't guess. They know their numbers cold. T:0 gives every founder a real-time read on revenue, burn, and runway, so you make the next call with the score in front of you, not a month behind.

Time : to grow your business.

Let T:0 run your numbers so you can run your business.

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