Zeni AI features and pricing (October 2026)

Zeni is an AI bookkeeping and accounting service for US startups from pre-seed to later stages. Software with AI agents does the categorization, reconciliation and reporting, and a dedicated team of finance professionals reviews the books.

Zeni combines bookkeeping software with services: every plan includes a controller, a bookkeeping manager and an analyst. The platform covers AI bookkeeping, accounts payable with bill pay, employee reimbursements, month-end close and financial reporting, and adds business checking and credit cards. Fractional CFO, tax and payroll services are sold separately. A Zeni MCP server connects the books to external AI assistants. Zeni is based in Palo Alto, California, and states that it manages $20 billion in transactions a year.

• Captures receipts and billsZeni reads receipts and bills with generative AI, extracts the details and attaches them to the matching transactions. Founders and staff send documents instead of entering them, and the books stay complete for review.
• Categorizes and reconciles transactionsThe AI Accountant agent categorizes bank and card transactions, creates journal entries and prepares reconciliations. It also merges duplicate vendors so reports group spend correctly. The human finance team reviews the output.
• Checks the books for errorsThe AI Audit Bot checks transactions on its own and points out possible discrepancies for review. Errors surface during the month and do not wait for a year-end cleanup, and the assigned finance team follows up on each flagged item.
• Opens the books to AI assistantsZeni MCP connects the reconciled books to Claude, OpenAI Codex and Google Antigravity with read-only access. Founders ask about runway, burn, vendor spend or receivables in their own assistant and get answers from live books, and none of the 20 tools can move money or edit entries.

• Every plan includes a dedicated human finance team, so Zeni works as a bookkeeping service more than as self-service software.
• Bundles accounting with banking, bill pay, reimbursements and optional tax and payroll services for US companies.
• Publishes plan prices for bookkeeping, CFO, tax and payroll services, with discounts for annual billing.

Zeni is based in Palo Alto, California, and bundles bookkeeping with US business checking, payroll and tax services.

Zeni is built around US entities, US banking and US GAAP, so it suits American startups rather than European subsidiaries. Clarify which tasks the software does and which the assigned team does, and how corrections are approved. Ask for the SOC 2 Type II report through the trust portal, and for hosting location, single sign-on and a data processing agreement, which the security page did not name in September 2026.

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