Freedom251 › AI Accounting Software
T:0
What T:0 is
T:0 is a web-based finance platform that automates bookkeeping and provides live answers about company finances. Its AI Accountant categorizes transactions, reconciles accounts, and completes month-end close. The Scout creates a business profile, then uses it to build a chart of accounts and relevant metrics. The CFO answers questions about revenue, burn, runway, and cash flow, with drill-down access to related transactions. T:0 connects with more than 12,000 financial platforms, including banks, payroll, cards, billing, and payment services. Named connections include Gusto, Rippling, Ramp, Brex, Stripe, Apple, and Google. Bank connections are read-only and encrypted. Accounting decisions have an audit trail, and entries trace to invoices and bank transactions. Platform-Only Access costs $199/mo. Managed Bookkeeping starts at $599/mo, while Managed Bookkeeping + Tax starts at $749/mo. CFO Services uses custom pricing.
Who it suits
T:0 suits solo founders, small business owners, and finance teams from start-ups through scaling businesses. It is for organizations seeking automated bookkeeping with optional CPA, tax, or CFO services.
What it does well
- Automated transaction categorization and reconciliation
- More than 12,000 financial platform connections
- Live answers with transaction drill-down
- Read-only, encrypted bank connections
- Dedicated CPA available on managed plans
What to know first
- No free plan
- Web platform only
- Platform access starts at $199/mo
- CFO Services pricing is custom
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Platform-Only Access | $199/mo · Real-time financial statements · Automated transaction categorization · Custom chart of accounts and accounting rules · Standard revenue recognition · Integrations with financial accounts | $199 a month |
| Managed Bookkeeping | Starts at $599/mo · Dedicated CPA · CPA-certified monthly close · Ongoing reconciliation and review · Slack support · White-glove onboarding | $599 a month |
| Managed Bookkeeping + Tax | Starts at $749/mo · Includes Managed Bookkeeping · 1 state filing included · Additional states $49/mo each · Tax advisory · Federal tax filing · Tax deadline management · R&D tax credit evaluation | $749 a month |
| CFO Services | Custom · Includes Managed Bookkeeping + Tax · Financial forecasting and planning · Cash and runway management · Board and investor deck preparation · 409A valuation support · Scenario planning | On request |
As t0.ai lists them, read 5 Oct 2026. The maker's own page has the final word.
Verdict
T:0 combines automated accounting, financial questions, integrations, and traceable records in one web platform. Additional plans add bookkeeping, tax work, or CFO support at higher or custom pricing.
Facts from T:0's own pages
- Accounting automation
- Its AI Accountant categorizes transactions, reconciles accounts, and runs month-end close automatically. · t0.ai, 5 Oct 2026
- Audience
- T:0 describes itself as serving solo founders, small business owners, and finance teams, from start-ups to scaling businesses. · t0.ai, 5 Oct 2026
- Audit trail
- The homepage says accounting decisions are documented with a clear audit trail, and the Accountant page says entries trace back to invoices and bank transactions. · t0.ai, 5 Oct 2026
- Business context
- The Scout builds a living business profile and uses it to generate a chart of accounts and relevant business metrics. · t0.ai, 5 Oct 2026
- Company contact
- The About page lists the company address as 188 Spear Street, Floor 9, San Francisco, CA 94105. · t0.ai, 5 Oct 2026
- Financial insights
- The CFO answers questions about revenue, burn, runway, and cash flow using live books and lets users drill down to transactions. · t0.ai, 5 Oct 2026
- Integrations
- The Integrator connects to more than 12,000 financial platforms, including payroll, cards, billing, payments, and banks. · t0.ai, 5 Oct 2026
- Maker
- The About page identifies Airwallex as T:0's parent and names Lance Co Ting Keh as T:0's founder. · t0.ai, 5 Oct 2026
- Managed support
- Managed Bookkeeping includes Slack support, a dedicated CPA, and a CPA-certified monthly close. · t0.ai, 5 Oct 2026
- Named integrations
- The site names Gusto and Rippling for payroll, Ramp and Brex for cards, and Stripe, Apple, and Google for billing and payments. · t0.ai, 5 Oct 2026
- Product
- T:0 automates company finance, including bookkeeping and trend analysis, and provides real-time answers about business finances. · t0.ai, 5 Oct 2026
- Security
- The Integrator page says bank connections are read-only and encrypted, using industry-standard infrastructure. · t0.ai, 5 Oct 2026
Where T:0 stands on Freedom251
- AI Accounting Software#27 of 32