About

Features

Careers

Join waitlist

About

Features

Careers

Join waitlist

Your AI CFO.
From day zero.

From your first dollar to your first million, we automate your bookkeeping, forecasting, taxes and more. Run your business, not your finances.

Join waitlist

Launch
First sale
Scale
Global

Launch
First sale
Scale
Global

Launch
First sale
Scale
Global

Launch

First sale

Scale

Global

You drive the vision.  
We handle the numbers.

One source.

We connect to everything – your banks, cards, payment processors, expenses, payroll and link it all together. You get CFO-grade books that match reality.

Accurate.

No misclassified expenses, no missing accruals, no lost receipts. Every entry lands exactly where it should.

Holistic finances.

We manage your complete finance function – bookkeeping, taxes, payroll, investor requests, and everything in between.

One source.

We connect to everything – your banks, payment processors, payroll and link them all together. You get CFO-grade books that match reality.

Connect your stack.

We bring all your transactions into one living ledger that’s always up to date.

Accurate and contextual financials.

All your transactions in one place.

Your financial story, organized in one clear timeline that’s effortless to follow.

Compliance core built-in.

Policies stay consistent and compliant with US GAAP, IFRS, or local standards. Your books are board-ready and audit-proof, every time.

Adapts to your bespoke policies.

From expense categorization to revenue recognition. Every company is unique. We follow your rules and keep you compliant.

Finance on Autopilot.

Your AI CFO handles requests, generates insights, closes books, and more.

From our users.

Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic

Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic

Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic
Before t0, I'd wait weeks to understand our finances, and the reports were full of jargon only my CPA could read. With t0, I can finally see where the money's going in real time. For the first time, I actually understand my own finances.
Mark Sendak,
Vega Health
Most finance tools make you piece everything together. You go one place for bookkeeping, another for CFO support, and then hire someone else for taxes. With t0, it’s all handled in one place.
Matt Markley,
Seismic

Why we built t0

I've started a few businesses — some worked, some didn't. But every time, the pattern was the same: behind on financial busy work that didn't move the needle. Bookkeeping, tax prep, payroll, investor reports, landlord requests — it all had to get done, but none of it helped us build a better product or close more customers.

And don't get me started on working with accountants. Response times stretched into weeks (not their fault — they're buried), and I was always chasing answers when I needed to be chasing growth. The financial backend felt like a tax on momentum.

That's why we built t0. Founders shouldn't spend their energy managing accounting chaos. We handle the financial noise so you can focus on what actually matters: building something people want.

Lance Co Ting Keh

Co-Founder

Join t0

Come and build the future of finance with us. If you’re excited by hard problems, fast growth and meaningful impact, you’ll fit right in.

Senior AI Engineer

San Francisco, CA

Senior AI Engineer

San Francisco, CA

Senior AI Engineer

San Francisco, CA

Senior Backend Engineer

San Francisco, CA

Senior Backend Engineer

San Francisco, CA

Senior Backend Engineer

San Francisco, CA

Senior Frontend Engineer

San Francisco, CA

Senior Frontend Engineer

San Francisco, CA

Senior Frontend Engineer

San Francisco, CA

Your AI CFO that proactively handles your finances. With you all the way, from day zero.

Join waitlist

hello@t0.ai

Your AI CFO.From day zero.

You drive the vision. We handle the numbers.

One source.

One source.

Accurate.

Accurate.

Holistic finances.

Holistic finances.

One source.

Connect your stack.

Accurate and contextual financials.

All your transactions in one place.

Compliance core built-in.

Adapts to your bespoke policies.

Finance on Autopilot.

Finance on Autopilot.

From our users.

Why we built t0

Why we built t0

Join t0

Join t0

Your AI CFO.
From day zero.

You drive the vision.  
We handle the numbers.