Ezzfin

Invite-only beta · Free during early access

Australian small-business accounting.Without the bloated price tag.

Invoices, bills, GST and a quarterly BAS your accountant can read in one go. Built for Queensland tradies, services and retailers — from the price of a coffee per month.

Tell us about your business (optional)

Invite-only beta. No credit card. We email you back personally.

  • Double-entry GL
  • ATO-compliant invoices
  • Australian-built
Get paid faster — reminders that go out on their own
Stay on top of GST — current quarter, always visible
Hand over to your accountant — one click, read-only

Built for the everyday loop

The four things you actually do every week.

Not a 200-feature ledger you’ll never use. Just the loop a real small business lives in — done well.

Sales workflow

The full sales loop — quote, invoice, get paid, send the receipt.

Send a quote, one-click convert to invoice when accepted. Customise the email in a WYSIWYG editor with variable tokens. Schedule reminders. When you record a payment, one click sends the customer a receipt PDF; on bills you pay, suppliers get a remittance advice. Every step on-brand, every step auto-stamped.

  • Quotes (QTE) — draft → sent → accepted → one-click convert to invoice
  • Tax-compliant invoice PDF (ATO GSTR 2013/1 — all 8 mandatory fields)
  • Customer statements (STM) — as-at + activity period — monthly send
  • Payment receipts (RCT) — one-click branded PDF + email when you record a payment
  • Adjustment notes (ADJ) — credit a sale cleanly; the GST flows back to BAS 1A
  • Custom email templates (WYSIWYG + variable tokens) with Cc + Bcc on every send
  • Edit + duplicate sent invoices cleanly (reverse + repost the journal)
  • Scheduled reminders (gentle / firm / final) + recurring invoices on Pro
  • Client portal (Pro) — a secure link so customers view, download + ask questions

Banking & reconciliation

CSV-first banking that doesn’t punish you.

Drop your bank CSV from CBA, Westpac, NAB, ANZ, Bendigo, ING or any other AU bank — the columns are detected, the rows deduplicated, ready to code. Bank rules and the suggestion engine propose allocations; you scan the inbox, Confirm All, done. Already-categorised rows stay editable with one click.

  • Bank CSV import — column auto-detect for CBA · Westpac · NAB · ANZ · Bendigo · ING + any standard transaction CSV, with manual mapping fallback
  • Propose-then-confirm inbox: rules and suggestions write proposals; nothing posts until you Confirm
  • Bank rules engine (substring or regex, priority cascade, dry-run preview)
  • Edit any already-categorised row in one click — reverse + repost atomically
  • Tax-code auto-fill: pick the account, the GST code follows
  • Bulk classify · post-as-expense · split one row N ways

Dashboard

A dashboard that tells you the truth at a glance.

The first screen you see each morning. Four headline numbers with trend sparklines, a 90-day cashflow chart, an activity feed of the latest paid invoices and reminders, plus the bank lines waiting on your attention — all in one professional view.

  • 4 KPI tiles (Total revenue · Outstanding · Active customers · Cash balance) with inline sparklines + delta vs last month
  • Monochrome 90-day cashflow chart — money in vs money out at a glance
  • Recent activity feed — paid, sent, reminder, transfer events in one stream
  • Top customers by revenue (this quarter) with paid / pending status
  • Per-transaction To Reconcile queue with one-click Match button
  • Current-quarter BAS estimate always present, never out of date

GST & BAS

BAS working papers your accountant will thank you for.

Every line tagged with the right tax code. The BAS calculator rolls journal lines up to the 9 ATO fields and freezes a snapshot when you finalise. Your accountant lodges with the ATO; you stay in control.

  • Current-quarter BAS estimate on the dashboard, always
  • PDF + CSV working paper stamped 'For accountant lodgement'
  • Drilldown from every BAS box to the contributing journal lines
  • 9 golden-test fixtures verify calculator correctness in CI

Team & accountant access

Bring your accountant in — for free, read-only.

One business group, multiple companies if you need them. Three roles (business admin, normal user, observer) and a checkbox matrix to fine-tune permissions per company. Your accountant joins as an observer — they see everything, change nothing.

  • Free observer seat for your accountant on every paid plan
  • Per-company permission matrix (read / write / finalise)
  • Audit log + email log — who did what, when, and to whom
  • Email-OTP sign-in: no passwords to manage or forget

AI agents (Pro)

Connect your own AI — and let it do the books with you.

Ezzfin speaks MCP, the open standard AI assistants use. Connect Claude, Claude Code, Codex or any MCP agent in about a minute: it can read your invoices, reports and BAS, add customers, draft and issue invoices — and emailing a customer always takes a separate, single-use confirmation step, enforced by our servers and audited, not left to the agent's good manners.

  • Works with Claude, Claude Code, Codex and any MCP-compatible assistant — no Ezzfin plugin needed
  • You choose the company and tick exactly which permissions it gets at connection time
  • An agent can never do more than your own role allows — same ATO gates as the editor
  • Sending an invoice requires a fresh, single-use confirmation for every send
  • Every agent action lands in the audit log, attributed; revoke the connection any time
  • Voids, deletes, user management and bank operations are never available to agents

Everything in the box

What ships today.

Nothing on this page is aspirational. Every feature below is live, working, and has shipping code — 670+ unit tests pass on every commit.

ATO tax invoices

All 8 mandatory GSTR 2013/1 fields, enforced on every tax invoice.

Live ABN verification

Checked against the ABR — auto-fills legal name + GST status.

Quotes → invoice

Draft → sent → accepted → one-click convert.

Customer statements

As-at + activity period, PDF + email.

Payment receipts

RCT-* PDF, one click to email when payment recorded.

Supplier remittance

REM-* advice on every bill payment.

Adjustment notes (ADJ)

Credit a sale cleanly; GST flows back to BAS 1A.

Client portal

Secure link — customers view, download + ask questions.

Recurring invoices

Weekly or monthly schedules (Pro).

Edit sent invoices

Reverse + repost atomically — no void-and-recreate.

Invoice email send

Resend integration with PDF + Cc + Bcc + tracking.

Scheduled reminders

Gentle / firm / final, hourly cron.

Bills + receipts

Line-item GST + PDF/image attachment.

Quick expenses

One-screen capture for out-of-pocket spending.

Payment allocation

XOR-enforced invoice or bill, never both.

Customer credit

Park overpayments on account; apply to the next invoice.

Multi-bank CSV

Column auto-detect (CBA/ANZ) + any standard AU bank CSV.

Reconciliation inbox

Status-driven workflow, splits, ignored history.

Bank rules

Substring or regex, priority cascade, dry-run test.

BAS calculator

Pure function, 9 golden-test fixtures.

BAS PDF + CSV

Working paper for accountant lodgement.

Bad-debt write-off

Recover the GST as a BAS 1B decreasing adjustment.

Aged AR + AP

5-bucket aging with CSV download.

P&L, BS, TB, GST detail

All cash or accrual with date range.

Multi-company groups

One subscription, multiple ABNs.

Observer accountant

Free read-only seat on every paid plan.

Audit log + email log

Every change, every email, append-only.

Custom email templates

WYSIWYG editor, variable tokens, per-company override.

Professional dashboard

4 KPI tiles with sparklines, 90-day cashflow, activity feed.

Comparison columns

P&L + Balance Sheet vs prior period with variance %.

Tax-code auto-fill

Pick the account, the GST code follows. Override sticks.

Sort + paginate reports

Period selector dropdown · every column sortable.

Export + delete company

Download a ZIP of every CSV + receipt before deleting.

Migrate from Xero / MYOB

CSV + xlsx wizard — opening balances, contacts, open AR/AP.

AI agent access (MCP)

Connect Claude, Codex or any MCP agent — reads the books, drafts + issues invoices (Pro).

Agent guardrails

Per-company consent, scoped permissions, full audit — every email send takes a server-enforced confirm step.

How it works

Three steps to your first BAS-ready quarter.

01

Get invited

Drop your email below. We're approving signups in small batches so we can email each new account personally.

02

Create your company

Add your ABN — we verify it live against the Australian Business Register and pull your legal name + GST status. We seed a 35-account AU chart of accounts, 5 tax codes and 12 BAS periods automatically.

03

Run your week

Send invoices, import your bank CSV, attach receipts. The dashboard shows your current-quarter BAS estimate from day one.

How we stack up

The same job, dramatically cheaper.

We benchmarked Ezzfin against three popular AU small-business accounting apps. The full comparison — with names anonymised — lives on its own page.

Compared onEzzfinProd AProd BProd C
BAS working paper PDF + CSV✓~✓~
Propose-then-confirm reconcile inbox✓—~✓
Free accountant (observer) seat✓✓~~
Export ALL data as ZIP, on demand✓~——
Cheapest paid tier$5/mo$24/mo$20/mo$30/mo
See full comparison

Pricing

Real accounting, for the price of a coffee.

Free during early access. Pricing locks in at general availability — joining the waitlist now grants the early-access rate.

Free

$0/mo

Try Ezzfin with your real numbers.

  • 1 admin, 1 company
  • 5 customers / suppliers
  • 5 invoices a month
  • P&L preview
  • BAS estimate preview
Join the waitlist

AUD · GST included · cancel any time

Free during early access

Basic

$5/mo

For real 1–3 person businesses.

  • Up to 3 companies in one account
  • + 2 normal users · + 1 accountant
  • Propose-then-confirm reconciliation inbox
  • Custom email templates (WYSIWYG)
  • BAS working paper PDF + CSV
Reserve your spot

AUD · GST included · cancel any time

Free during early access

Pro

Recommended
$15/mo

For growth + automation.

  • Up to 5 companies (+ add-ons)
  • + 5 normal users · + 3 accountants
  • AI agent access (MCP) — your assistant reads the books + drafts invoices, with a separate confirm step on every send
  • Bank rules engine + scheduled reminders
  • Recurring invoices (weekly / monthly)
  • Client portal — secure links so customers view invoices/quotes/receipts + ask questions
Reserve your spot

AUD · GST included · cancel any time

Full pricing & features

FAQ

The honest answers.

Anything missing? Hit the waitlist form with a question— we read every one.

Is Ezzfin a registered tax agent?
No — and we don’t want to be. Ezzfin prepares BAS working papers— a complete, drilldown-ready PDF + CSV showing what each box on your BAS would contain based on the transactions you’ve recorded. Your registered tax agent reviews and lodges it with the ATO. That keeps the regulated work in the hands of regulated people.
Can I switch from Xero or MYOB?
Yes — a built-in migration wizard accepts Xero/MYOB exports as CSV or xlsx. Walk through Trial Balance → Map Accounts → Contacts → Open Invoices → Open Bills, and Ezzfin posts a balanced opening-balance journal on your chosen cutover date. The wizard auto-creates any missing chart-of-account codes and understands Xero’s “Account Type” / “Account Class” columns so your asset / liability / income classification survives the migration.
Do you support quotes and customer statements?
Both, on Basic and Pro. Quoteshave a full lifecycle (draft → sent → accepted → converted-to-invoice) with auto-numbered QTE-* PDFs and a one-click convert to invoice when the customer accepts. Statementsshow each customer their outstanding amount — either as-at a date (everything they owe now) or for an activity period (everything billed + paid in Jul–Sep). Auto-numbered STM-* PDFs, emailed via Resend, snapshot preserved for audit.
Are payment receipts and supplier remittance advices supported?
Yes — both auto-generated on payment. When you record a customer payment, Ezzfin produces an RCT-* PDF and offers to email it to the customer (To = primary contact, Cc = additional people, customisable subject + body). When you record a payment you made to a supplier, Ezzfin produces a REM-* remittance advice PDF and offers to email it to them. Branded, audit-tracked, on every paid plan.
Can my customers see their invoices online?
Yes — the Client Portal is included in Pro. Every invoice, quote and receipt carries a secure link: your customer opens it in the browser, downloads the PDF, and can ask a question that lands in your Customer Questionsinbox. No login for them, nothing exposed beyond the documents you share — it’s on by default and you can switch any customer off.
Do you check that an ABN is valid?
Yes. When you add a customer or supplier, Ezzfin verifies the ABN live against the official Australian Business Register(ABR) — it confirms the ABN is active and auto-fills the registered legal entity name and GST status, so the details printed on your tax invoices match the register.
Where is my data stored? Is it backed up?
Your data lives on an Australian-region server, defaulting to a non-DST Australian timezone so BAS quarter boundaries stay stable. Daily off-site encrypted backups with 90-day retention. A single-server failure does not lose your data.
Who can I invite to my account?
Three roles: business admin (you), normal user (bookkeeper, ops — 2 on Basic, 5 on Pro), and observer (accountant, read-only — 1 on Basic, 3 on Pro). Each user’s permissions can be fine-tuned per company through a checkbox matrix.
What happens when the beta ends?
You’ll get 30 days’ notice. Subscriptions become active at the published prices. Free during the beta is genuinely free — not a trial that auto-converts.
Do I need to be GST-registered?
No. Ezzfin works fine for businesses below the $75k turnover threshold. Invoices issued before your GST registration date carry no GST and don’t appear on the BAS — we check this automatically.
Why so much cheaper than the alternatives?
Australian SMBs typically pay $20–$120/month for accounting software, often for features they’ll never use (payroll for sole traders, multi-currency for AUD-only businesses, inventory for service businesses). Ezzfin is built for the everyday loop only — invoices, bills, banking, GST, BAS, reports — and priced like it. Lower price isn’t a discount; it’s a different product shape.
Can I customise the invoice email my customers receive?
Yes. There’s a WYSIWYG editor with variable tokens like {{invoice.number}}, {{customer.name}}, and {{invoice.due_date}}. Set a template per business group, or override it for a specific company. A live preview pane shows your customer’s view, and you can send a test to yourself before going live. Reminder emails get the same treatment with gentle / firm / final variants.
Can I delete a test company and all its data?
Yes. Under Settings → Company there’s a danger zone with two buttons: Download data archive(a ZIP of every CSV report plus your uploaded receipts & bill attachments) and Delete this company(type the name to confirm, tick the backup checkbox, then it’s gone). Superadmin can also delete from the /admin/companies list. The cascade is permanent — useful for cleaning up demo companies you created while testing.
Is the codebase open source?
Not today. We’re using the closed-beta periodto learn what real Queensland businesses need; once the core loop is stable we’ll revisit licensing.

Ready when you are

Join the waitlist. We’ll be in touch.

Invite-only beta. Free during early access. You won’t hear from us again unless we’ve got a seat for you.