The monthly tax on running a small company
If you operate a Finnish Oy or any other small EU company, the last Sunday of every month tends to look something like this:
- Three to five bank CSVs to log into and download — OP, Revolut Business EUR, Revolut Business USD, Nordea, maybe a card issuer.
- Receipts scattered across Gmail and a dozen billing portals — Stripe for ChatGPT, Stripe for Anthropic, Cloudflare via email, Google Workspace, Porkbun, your hosting, your eSIM, your VPN, your AI bills.
- Investment statements from Nordnet, Kraken, or wherever your company holds liquidity.
- Out-of-pocket expenses — the home-office broadband, the receipt you photographed at Clas Ohlson, the annual insurance bill.
- Then the hard part: matching every transaction to its receipt, in your accountant's expected file structure, with a clear summary so they can post the books in their system.
It's not hard. It's not even interesting. It is, however, between two and six hours every single month — and the cost of doing it badly is your accountant emailing you back with twenty questions.
CLERK.AI does it for you.
How it works
Four phases, on your machine, in roughly the order you'd do them by hand — except the app does the boring parts.
- 01
Pull your bank statements
CLERK.AI signs into each bank with you (you authenticate once via the bank's own login), then downloads the period's CSV and PDF statements for every account.
Works with OP Corporate · Revolut Business (EUR / USD / GBP) · Nordea (.fi + .se) · Handelsbanken · Wise Business
- 02
Hunt the matching receipts
The app reads each transaction, then goes looking for the proof — inside your Gmail (vendor-specific searches per merchant) and across the billing portals you've connected. Stripe-hosted invoices download in one click. Email-only receipts get printed to PDF. Photographed receipts get matched by OCR.
Hunts in Gmail · Stripe customer portals · Cloudflare · ChatGPT · Anthropic · Google Workspace · Porkbun · Kaisanet · InvoiceOcean · OP e-faktura · macOS Photos
- 03
Bundle your investment statements
Brokerage and exchange statements via API where the platform has one (Kraken), via signed browser sessions where it doesn't (Nordnet). Saldointyg (balance certificates) as of the last day of the period, automatically.
Works with Nordnet · Kraken · Revolut Business cash + savings · Coinbase · Trade Republic
- 04
Ship it to your accountant
A flat folder of every file, named in your accountant's convention. A draft email in the language they read — Swedish, Finnish, English — with one structured table per category (transactions with receipts, out-of-pocket expenses, your own outbound invoices, bank statements and investment reports). You review, you press send.
Outputs flat‑folder zip · Procountor-ready CSV · Heeros-ready CSV · plain Gmail draft · Drive‑ready folder
Who it's for
CLERK.AI is built for the small EU company operator who is doing their own monthly prep and would rather not be.
Fits you if
- You run a Finnish Oy, an Estonian OÜ, a Swedish AB, an Irish Ltd, or any other one-to-five-person EU company.
- You have an accountant who wants clean materials — not a full bookkeeping subscription that they'd then have to clean up themselves.
- Your spending lives across multiple banks, multiple Stripe-billed SaaS subscriptions, and at least one crypto exchange.
- You currently spend 2–6 hours per month assembling the bundle by hand. Or you have an assistant doing it, and you'd like to free their time.
Probably not for you if
- You've already outsourced the entire bookkeeping operation to your accountant or a service like Heeros / Procountor / Fortnox, and they pull data directly from your banks.
- You have a single bank, one card, no SaaS subscriptions, and no investments. Your tax software's CSV upload is enough.
- You need a multi-user collaboration tool for a 20-person finance team. That's the wrong shape of company for this product.
Why on-device matters
Your bank credentials, your Gmail inbox, your crypto API keys, your photographed receipts — these are the most sensitive things in your digital life. CLERK.AI keeps them where they belong: on your laptop, in macOS Keychain, behind your operating-system-level permission boundaries.
- No cloud sync of financial data. Your statements stay in a folder you choose. Encrypted at rest by FileVault, like everything else on the disk.
- OS-level Keychain for credentials. Same primitive that stores your Apple ID, Wi-Fi passwords, and 1Password. Auto-unlocks at login.
- Browser automation runs locally. When CLERK.AI needs to pull a Stripe invoice or a Nordnet statement, it drives a real browser on your machine, using your real session. Nothing leaves the laptop.
- No data-transfer concerns under GDPR. If the data never leaves your jurisdiction, the SCC / DPA / cross-border-transfer headache disappears by construction.
- The accountant gets a tidy email from you, not a portal invite. They keep working the way they always have.
This is the same on-device-first philosophy as our sister apps Remember This and My Transcriber — both run a private local LLM and store everything in a folder you control. CLERK.AI is the financial-paperwork variant of the same playbook.
Early access
CLERK.AI is in active build with a small group of early-access EU customers in 2026. The first cohort is the people running the workflow above by hand right now — the bar to join is having a monthly or quarterly accountant submission you'd like to stop doing manually.
To apply for a seat, email fred@augmentedmind.io with the subject "CLERK.AI early access" and a sentence or two about:
- The company — jurisdiction, roughly how many transactions per month, which banks.
- What your current bookkeeping prep looks like and where the worst hour goes.
- Your accountant's preferred output format if you know it — Procountor, Heeros, Fortnox, plain CSV, accountant‑will‑tell‑you-when-you-ask.
A Stripe checkout link goes here once the early-access tier is open to self-serve. The app is in build right now; this page exists so the brand has a home and so we can keep a short waitlist.
About
CLERK.AI is operated by Augmented Mind AB (Finland, Y‑tunnus 3092558‑1), which holds the EU trademark for CLERK.AI — EUTM 017646613, registered 2018-05-22.
Built by Fred Wollsén, a Helsinki-based software engineer who has been working at the frontier of human-AI collaboration for over a decade. CLERK.AI is the financial-paperwork app he wishes had existed when he started his own Oy — so he built it.
Same studio that ships Remember This (long-term personal memory) and My Transcriber (on-device transcription). All three apps share the same on-device-first stack: macOS native, private local LLM, your data in folders you own.