Clerk.AI · by Augmented Mind AB
Your monthly books, prepped.
Clerk.AI pulls your bank statements, hunts down the matching receipts in Gmail and billing portals, and hands your accountant a clean bundle.
On‑device. EU‑first. Agentic.
Apple Silicon (M1–M4) • Also available for Intel
Local-first • EU-first • Your books stay on your machine
The monthly chore
If you operate a Finnish Oy or any other small EU company, the last Sunday of every month tends to look something like this:
- A handful of bank statements to log into and download — your operating account, a foreign-currency account if you have one, business credit cards.
- Receipts scattered across Gmail and a dozen billing portals — SaaS subscriptions, infrastructure bills, AI service charges, mobile-data and connectivity, anything paid by card.
- Investment statements from wherever your company holds liquidity — brokerage, pension, crypto exchange.
- Out-of-pocket expenses — home-office utilities, the receipt you photographed at the hardware store, the annual insurance bill.
- Then the tedious 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. The real cost isn't the two to six hours every single month — it's the constant background pressure of having to do something labour-intensive but boring, and the occasional late fee when something slips past a tax authority's deadline.
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.
- 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.
- 03
Bundle your investment statements
Brokerage and exchange statements via API where the platform offers one, via signed browser sessions where it doesn't. Balance certificates as of the last day of the period, automatically.
- 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, whichever — 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.
The underlying tech is local browser automation. If your bank, your billing portals, your accountant's tool has a web UI, Clerk.AI can probably reach it — same way you would, with your saved logins. We've tested it against the major EU corporate banks, Stripe-hosted invoices across common SaaS subscriptions, mail-only receipts, brokerage APIs, signed-session statement exports, and a long tail of other vendors. That list isn't a promise — it's just where we've been.
For the receipts that didn't arrive in an inbox — the cash-register printout you photographed, the supplier note your colleague AirDropped — Clerk.AI also watches your Photos library and your Voice Memos. Snap or AirDrop a receipt and it lands in the same index as everything else; record a voice note next to it ("client lunch, the Acme deal") and Whisper transcribes it locally so the context is searchable.
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 is spread across multiple banks, a stack of SaaS subscriptions, and possibly a brokerage or 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
- A full-service bookkeeping provider already pulls data from every bank, billing portal, and investment account you use — not just your main account and local e-invoices. (If your provider covers only a slice and you're still cleaning up the rest by hand each month, Clerk.AI probably still helps.)
- 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.
Where your data lives
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: in your local data folder, in macOS Keychain, behind your OS-level permission boundaries. Augmented Mind AB doesn't operate a cloud store of your bookkeeping records and never holds them. The AI provider you point Clerk.AI at is the only entity outside your machine that gets a glimpse of the data — during inference, for the duration of the query — so pick one whose privacy posture matches yours, or run everything locally.
- 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 fetches a billing-portal invoice or a brokerage statement, it drives a real browser on your own machine, using your saved logins. Augmented Mind AB doesn't proxy it, doesn't observe it, doesn't store it.
- Your AI provider is your privacy choice. Three options, pick whichever matches your posture: a fully local Ollama (snappy on a 16 GB+ Apple Silicon Mac — nothing leaves the machine), your existing Anthropic subscription (queries go to Anthropic under your own contract with them), or — when it ships — atyourservice.ai, a managed pay-as-you-go inference proxy that Augmented Mind AB also operates, designed not to retain prompts. The bookkeeping records themselves stay on your machine in every case.
- 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.
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Clerk.AI is operated by Augmented Mind AB, a small Helsinki studio. Built by Fred Wollsén, a 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 company — 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.