Private beta · Estonia-first

Your AI agent for accounting, tax, and financial intelligence.

arvio.ee is an autonomous financial agent that keeps your books, files your taxes, and answers your finance questions — built from the ground up for Estonian companies.

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KMD + TSD — Tax drafts assembled automatically
24/7 — Always-on financial agent
Ask anything — Chat with your finances in plain language

What it does

An AI agent that actually does the work.

Not another dashboard. arvio.ee is an autonomous agent that handles your accounting end-to-end — from bank sync to tax filing.

Bank sync & reconciliation

Connect Revolut and Wise directly. Import any bank via CSV. Payments matched to invoices automatically.

Auto-bookkeeping

Transactions classified, journal entries created, ledger kept current. You review only exceptions.

Invoicing & receivables

Create invoices, track payments, match incoming transfers to open receivables.

Tax filing prep

KMD, KMD INF, and TSD drafts from your approved ledger. Review, approve, file.

Financial Q&A

Ask about VAT liability, deductible expenses, or cash flow. Answers from your real data.

Audit-ready

Every entry traces to source documents. Full audit trail. 7-year retention.

The AI agent

Think of it as a senior accountant that never sleeps.

  • Learns your recurring patterns and auto-classifies with increasing accuracy
  • Flags anomalies and unusual transactions before they become problems
  • Prepares monthly close checklists and tracks what's pending
  • Answers natural language questions about cash flow, margins, tax exposure
  • Suggests tax optimization strategies based on your actual financial position
The problem

Estonian accounting deserves better tools.

  • Manual data entry from bank statements into outdated software
  • Tax declarations assembled by hand in spreadsheets every month
  • No real-time visibility into your actual financial position
  • Monthly close takes days of back-and-forth with your accountant
  • Paying for accounting hours spent on repetitive, automatable work
The solution

We built the agent we wished existed.

arvio.ee connects directly to your bank accounts, classifies every transaction with AI, maintains a double-entry ledger in real time, and assembles your Estonian tax declarations automatically. Your accountant reviews and approves — the agent does the heavy lifting.

Pricing

Simple, transparent pricing.

No per-seat fees. No per-transaction fees. Unlimited users and transactions on every plan.

Free

Try arvio.ee with manual bookkeeping.

€0 /month
  • ✓1 entity
  • ✓Unlimited transactions
  • ✓Manual journal entries
  • ✓CSV import
  • ✓Chart of accounts (RTJ)
  • ✓Basic reports
Get started
Most popular

Pro

Everything a single-OÜ founder needs.

€89 /month

€890/year · 2 months free

  • ✓1 entity
  • ✓AI classification & auto-bookkeeping
  • ✓Bank sync (Revolut, Wise, LHV…)
  • ✓KMD, KMD INF & TSD drafts
  • ✓Dividend modelling
  • ✓Annual report generation
  • ✓AI financial Q&A
  • ✓PDF, Excel & DOCX export
Get started

Business

For founders managing multiple companies.

€199 /month

€1,990/year · 2 months free

  • ✓Up to 3 entities
  • ✓Everything in Pro
  • ✓Intercompany transactions
  • ✓Group management pack
  • ✓Consolidated reporting
  • ✓Priority support
Get started

Enterprise

For accounting firms and large portfolios.

Custom
  • ✓Unlimited entities
  • ✓Everything in Business
  • ✓SSO & API access
  • ✓Custom integrations
  • ✓Dedicated support
  • ✓SLA guarantee
Contact sales
By invitation only

Built for companies that take finance seriously.

We're onboarding a select group of Estonian companies for our private beta. If you manage one or more OÜ entities and want an AI agent handling your accounting, we'd like to talk.

Ready for an AI agent that handles your accounting?

Join the private beta. Limited spots available.

Request access