Clerk.AI is open for business
Clerk.AI now has real pricing and is taking customers. It is a Mac app for the part of running a small EU company nobody enjoys: collecting the month's bank statements, hunting down the matching receipts, and handing your accountant a clean bundle. It does the collecting. When it hits a call only you can make, it asks — and you answer by holding a button and talking.
The chore this replaces
If you operate a Finnish Oy, an Estonian OÜ, a Swedish AB or any other one-to-five-person EU company, you know the last-Sunday-of-the-month ritual. A handful of bank statements to log in and download. Receipts scattered across Gmail and a dozen billing portals. An investment statement or two. The receipt you photographed at the hardware store. And then the matching — tying every transaction to its proof, in your accountant's expected structure, with a summary clear enough that they can post the books.
It isn't hard and it isn't interesting. The real cost isn't the two-to-six hours; it's carrying a labour-intensive, boring obligation around in your head every month, and the occasional late fee when something slips past a deadline.
You talk to it
"AI voice agent" has come to mean a robot that phones other people at scale. Clerk.AI is the other kind entirely — one person, one Mac, one monthly close, and the only voice in it is yours.
A real close always has a few things only you know. Is this lunch a client expense? Which project was that flight for? Is this subscription still business? Clerk.AI does the fetching, reading and matching on its own, and when it reaches one of those, it simply asks. You hold a button and answer the way you'd answer a colleague. Your answer is transcribed on your own machine, and the close picks up where it left off. No forms, no fields to hunt for.
What it actually does
Pick a period — month, quarter or year — and start the close. Clerk.AI signs into each bank with you, downloads the period's statements, then goes looking for the proof behind each transaction: vendor-specific searches inside your Gmail, the billing portals you've connected, Stripe-hosted invoices, email-only receipts printed to PDF. Receipts you photographed are matched by on-device OCR, so the ones that never arrived in an inbox aren't missed either.
You watch it run, and you curate: every candidate receipt shows up with a thumbnail and a keep/drop decision, and every transaction shows how it was learned — bank statement, Gmail receipt, photo receipt, manual — so a verified line and an inferred guess never look identical. At the end you get a flat folder named in your accountant's convention and a draft email in the language they read. You review it, you press send.
What it costs
Free is the full app and the full close workflow on your Mac. You'll need Claude Code installed — Clerk.AI drives it — running on your own Anthropic subscription, which is also the most cost-effective way to run it long-term.
The paid part is a monthly licence where you decide the amount, from €1 upwards, excluding VAT. There is no feature you unlock by paying more that changes whether the app closes your books — it closes them either way. What your amount does is decide whether this keeps being built.
Some amounts do carry extras, and they're listed honestly beside the slider: from €5 the Clerk.AI companion for iPhone with desktop↔phone sync, so the questions reach your phone and you can answer a couple by voice from the sofa while the month's books keep moving. From €10, the private Slack. Whatever your amount includes on the day you subscribe stays included, even if we publish different numbers later.
You will need Claude Code installed with your own Anthropic subscription or API key; Clerk.AI drives it under the hood. We don't resell AI usage.
Where your data lives
Your bank credentials, your inbox and your receipts are among the most sensitive things you own, so it's worth being precise rather than reassuring. Your books are stored on your Mac, in a folder you choose, with credentials in the macOS Keychain. Augmented Mind AB runs no cloud that keeps a copy of them. The browser automation that fetches a statement runs locally, in a Chrome profile of its own that you sign into yourself — not the browser you browse in. We don't proxy it and don't observe it.
Reading receipts and transcribing what you say run on your own hardware. The main bookkeeping workflow runs on a remote AI, which means the data that step needs genuinely does go to your AI provider, under your own account with them — you pick the provider, so you pick its privacy posture. Phone sync goes through your own iCloud, which is Apple's cloud and your account, not ours.
Try it
Clerk.AI is free to download and free to use for the whole workflow. If you run a small EU company and do your own monthly prep, that's the version to start with — go through one close and see whether it earns the upgrade.
It's built by Augmented Mind AB, a small Helsinki studio, and it wasn't designed so much as worn in. Its author has closed his own books this way for nine months — the last two with the app, and the seven before that driving Claude Code by hand, one prompt at a time, because the app didn't exist yet. Most of what it does is a thing he got tired of doing manually. If it gets something wrong about how your books work, we'd genuinely like to hear it.
