Sign up in the NoCFO app for free in a few minutes.
2. Connect your bank account
Use your own business account or open a NoCFO Flex business account with us. Keeps work income and personal spending separate, and makes bookkeeping much cleaner.
3. Link a payment card to your business account
Pay all work expenses — fuel, repairs, phone bill — from your business account. Transactions are automatically synced to NoCFO.
4. Scan every receipt right away on your phone
Just fuelled up? Bought a new helmet? Take a photo of the receipt on the spot. The NoCFO app saves it to your files — under 10 seconds per receipt.
5. Payouts come in automatically
Payout reports are synced directly to NoCFO. You don't have to do anything — your income is recorded correctly every time.
6. Receive and send invoices directly through the NoCFO app
Insurance, YEL pension, and other costs — all invoices directly through NoCFO. All your bookkeeping in one place.
7. Log your mileage after each work trip
Add your mileage log to NoCFO.
8. That's it — you're all set!
Now you can focus on the deliveries. NoCFO's AI handles the bookkeeping in the background, automatically.
Everything a courier needs, in one app
Everything runs on your phone — automatically
No computer, no paperwork. The NoCFO app and AI handle your expenses, VAT, and deductions for you.
Receipt scanning
Take a photo right after you pay. The NoCFO app logs it automatically.
Free income statements
Need a document for Migri or your bank? Get it straight from the NoCFO app, free of charge.
VAT done right and on time
You always know what you owe and when — no surprises at tax time.
Pay less every month
Private accountants cost €50+/month. NoCFO is built for couriers — clear pricing, no hidden fees.
Support in Finnish & English
Questions about YEL or VAT? Get answers quickly.
Pricing
No hidden costs. Get started for free.
Most popular
DIY + Plus
Manage your own bookkeeping with the NoCFO app — clear guides included.
How much does NoCFO cost compared to other options?
Private accountants typically charge at least €50/month + VAT. Some services take up to 4% of your invoice amount. NoCFO is built for couriers with clear, straightforward pricing. DIY + Plus is €24/month + VAT and you handle bookkeeping yourself with step-by-step guides included. Plus + Accountant is €38/month + VAT and an accountant partner takes care of everything for you, annual statements included.
What's the easiest way to handle expenses?
Open a separate NoCFO Flex business account and scan receipts with the NoCFO app right after you pay. That's it, no deduction gets forgotten.
Is there a fee for official documents like Migri?
No. You can get an income statement straight from the NoCFO app whenever you need one, free of charge. Whether it's for Migri, a loan, or a visa application.
How fast can I access the money I earned?
As soon as a payment lands in your account, it's yours. NoCFO doesn't hold your money, it just records it in your bookkeeping.
Why do I lose money to VAT with other services?
Some light entrepreneurship platforms hold back VAT and taxes before paying you out. NoCFO works differently. VAT and deductions are calculated correctly and your money is never frozen waiting to be processed.
What expenses can I deduct?
Fuel, car repairs and insurance, your phone subscription, delivery equipment, mileage, and YEL pension costs. Quite a lot actually, so it's worth logging everything.
Can I get help with complicated questions?
Of course. Chat support is available in Finnish and English, with human responses within 24 hours on weekdays. AI handles the everyday questions straight away and a real person gets back to you on the trickier ones.
