You approve.
You never type.
We read your bank statement. We code every line. We post to e-Financials. You just swipe.
- 30 secaverage review time per line
- 0 €free for solo founders
- ✓ 1-tappost straight to e-Financials
- Built for Estonia
- Powered by RIK e-Financials
- OpenRouter AI
- VAT rules encoded
- Encrypted at rest
Your books, in the time it takes to sip an espresso.
Open the app, snap a receipt, drag a bank file in. Kirje reads, codes, and proposes. You swipe to approve. That's it.
- Phone receipt capture — snap a photo, AI extracts vendor, amount, VAT, and country for reverse-charge
- Estonian VAT rules built in: reverse charge (Art 196), 50% passenger-car input VAT, intra-EU, KMS §16 exempt
- One-click XBRL export for ariregister.rik.ee; KMD INF annex generated from your bank
- Free for solo OÜs — no card, no catch.
Manage 50 OÜs without 50 logins.
Multi-tenant dashboard, e-Financials-native, owner ↔ accountant review feed. We don't replace your ledger — we make the ones you already trust move faster.
- One dashboard for your whole book — every Estonian OÜ, switch with one click
- e-Financials-native — augments arvio.ee, never replaces; clients you onboard keep their license
- Owner ↔ accountant review feed — never re-type a journal; clients approve, you post
- Bulk onboards + client invites; XML / XBRL export for your filing workflow
Three steps. Done in 30 seconds.
Connect your bank, drop your receipts, swipe to approve. First month-end closes before lunch.
- Step 01
Connect your bank
Drop a camt.053 XML or CSV from your Estonian bank, Revolut, Wise, or Stripe — Kirje ingests it in seconds.
- Step 02
Add receipts
Snap a photo, forward an invoice, or drag PDFs in. AI extracts vendor, amount, VAT treatment, and project.
- Step 03
Swipe to approve
Each line arrives pre-coded with the right Estonian account + VAT. Swipe → it posts to e-Financials. Done.
Watch Kirje work.
Every line arrives with the right account + VAT treatment pre-assigned. The review feed shows you what matters and hides what doesn't.
- Auto-matches incoming bank lines to receipts you have on file
- Pre-codes each line to the right Estonian account + VAT treatment
- Posts approved entries straight into e-Financials via your key
- Full audit log — who approved what, when
Kirje vs arvio.ee / Synx
| Capability | Kirje | arvio.ee | Synx |
|---|---|---|---|
| Intelligence | |||
| Native AI receipt capture (phone) | ✓yes | ✕no | ✕no |
| Auto-extracts vendor, amount, VAT, date | ✓yes | ✕no | ✕no |
| Estonian VAT rules encoded (Art 196, 50% car, intra-EU) | ✓yes | ~partial | ~partial |
| Workflow | |||
| Swipe-to-approve review feed | ✓yes | ✕no | ✕no |
| Multi-company dashboard | ✓yes | ✕no | ~partial |
| Owner ↔ accountant UX | ✓yes | ✕no | ~partial |
| Estonia-native | |||
| e-Financials-native (augments, never replaces) | ✓yes | ~partial | ✕no |
| KMD auto-computation | ✓yes | ✓yes | ✕no |
| Filing-ready XBRL export | ✓yes | ✓yes | ✕no |
| Access | |||
| Free tier | ✓yes | ✕no | ✕no |
| First-class mobile experience | ✓yes | ✕no | ~partial |
| Public API | ✓yes | ✕no | ~partial |
Comparison reflects publicly verifiable differences as of June 2026. If something is wrong here, ping us — we ship corrections.
What early access said.
We're in private beta with a handful of founders and one accounting firm. Their feedback shapes the product.
I closed my first month-end in 11 minutes. Before Kirje that was two days of pain.
The owner↔accountant loop kills a class of email back-and-forth we used to do every month-end.
Onboarding a new client used to be a half-day. With Kirje, it's a 30-second invite.
Everything Estonia's books need. Nothing they don't.
Six surfaces. Each one integrates with the next — nothing is a dead end.
Phone receipt capture
Snap a photo or forward an email. AI reads vendor, amount, VAT, line items, project, and assigns the right Estonian account.
Read more →VAT you can trust
Reverse charge (Art 196 / Art 194). Intra-EU acquisition. KMS §16 exempt. 50% passenger-car input VAT. Encoded, not remembered.
Read more →Bank sync, your way
Drop camt.053 from SEB / Swedbank / LHV / Luminor. CSV for Revolut, Wise, Stripe. Posted within seconds.
Read more →Swipe-to-approve review feed
Every line gets an AI-coded suggestion. Swipe right to post, left to skip, up to attach a receipt. Keyboard-driven too.
Read more →Reports without the spreadsheet
KMD auto-computed from your bank + sales invoices. INF annex generated. XBRL instance ready for ariregister.rik.ee.
Read more →Integrations
e-Financials (post entries), arvio.ee (augment), Synx (augment), Stripe / Revolut / Wise (feed), e-MTA (deep link).
Read more →Starter
For solo founders just getting started.
- 1 connected e-Financials company
- Up to 50 lines / month, AI-assisted
- Manual review feed
- VAT position dashboard
Pro
For OÜ founders running their books daily.
- Unlimited lines on your company
- AI review feed — pre-coded per line
- KMD auto-compute + INF annex
- XBRL export, ready for ariregister.rik.ee
- Phone receipt capture & project tagging
Firm
For accounting firms + multi-OÜ owners.
- Up to 50 companies on one dashboard
- Owner ↔ accountant review feed
- Client invites + bulk onboarding
- Dedicated CSM, priority support
- White-label partner program included
Frequently asked.
If your question isn't here, write us — we read everything.
Stop typing. Start approving.
Onboard your first Estonian company in under a minute. Connect your bank, drop your receipts, swipe to approve. That's the first month-end done.
Free for solo OÜs · No card required · Cancel anytime.