What Every does

Every (doing business as Every.io) is a financial technology company founded in 2021 and headquartered in San Francisco that provides an AI-native, all-in-one back-office platform for U.S.-based startups and small businesses. Its product suite unifies six core modules — free Delaware C-Corp incorporation, banking and debit cards, investment and cash management, payroll and HR, accrual-basis bookkeeping, and corporate tax preparation — into a single sign-on platform, removing the need to coordinate fragmented point solutions across the finance and HR stack. Banking and card issuance are provided through Thread Bank (Member FDIC) with up to $3M FDIC insurance; brokerage and treasury services run through Every Securities LLC (SEC-registered investment adviser) with custody at BNY Mellon Pershing and advisory integration with Atomic Invest.

The company's underlying technology is built around a unified data model spanning banking transactions, payroll runs, employee records, ledger entries, and tax filings, on top of which three AI agents — AI CFO, AI Bookkeeper, and AI CHRO — were launched in March 2026 to deliver real-time financial intelligence, automated categorization and reconciliation, and continuous HR/payroll compliance monitoring across all 50 U.S. states. Earlier automation includes AI-driven instant EIN retrieval, automated 83(b) election filings, vendor W-9 collection and 1099 generation, and an Investment Autopilot that sweeps idle cash into U.S. Treasuries and the Vanguard VUSXX money market fund for up to 4.3% APR.

Every monetizes primarily through recurring subscriptions — HR/payroll at $25/employee/month plus an $80 base, bookkeeping from $330/month, corporate tax from $1,500/year, and stage-based bundles ranging $1,000–$3,000/month — supplemented by interchange revenue on Every Visa debit cards (up to 3% cashback), yield-share economics on customer cash swept into Treasuries and money market funds, and hourly professional services ($125/hr accountant, $250/hr controller). Go-to-market is product-led growth anchored by free incorporation as a $0 acquisition funnel, with a separate inside-sales motion for existing companies and a heavily leveraged VC/accelerator referral channel (Sequoia, Redpoint, Foundation, Maverick, TQ, Boost VC, Antler, Founder Institute, Draper U, YC, etc.) plus a PartnerStack-tracked affiliate program. The company has raised $32M in disclosed funding ($9.5M seed led by Base10 in 2023; $22.5M Series A led by Redpoint in 2024) and reached $6.4M in revenue with 150+ customers in 2024, of which 78% adopted the full back-office suite.

Name

Every

Legal name

Every, Inc.

Website

https://every.io

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Every (Every.io) is a San Francisco-based fintech providing an AI-native, all-in-one back-office platform — incorporation, banking, payroll/HR, bookkeeping, taxes, and treasury — for U.S. startups and small businesses.

Ownership category

akta.pro rank

Product category

Startup Back-Office Financial Software (Fintech / Finance & HR SaaS)

NAICS

Software Publishers (5132)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Agents & Autonomous Workflows (Tool Use, Planning, Multi-Agent) (HDAAACAF)

Keywords

• Startup back-office software
• AI-native finance platform
• Payroll and HR software
• Business banking services
• Automated bookkeeping

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. HR, Payroll & Benefits Subscription: Recurring per-employee SaaS subscription at $25/user/month with an $80/month base fee, covering payroll in 50 states, automated tax filings, contractor and international hiring/EOR, benefits administration (health, dental, vision, 401k), and Compliance AI.
2. Bookkeeping Managed Service: Recurring managed-service subscription starting at $330/month combining AI-enriched transaction categorization with dedicated human bookkeeper and controller; add-on revenue recognition feature available; after special discount period, 10% off if customer maintains $250K in checking.
3. Corporate Tax Preparation Service: Annual tax preparation subscription starting at $1,500/year for federal + 1 state filing (annual revenue up to $250K), with add-on fees for additional states ($500/state/year), foreign subsidiaries ($2,500), R&D tax credit (15% of assessed credit), 1099 filings, and Delaware franchise fee.
4. Cashback and Treasury Yield Revenue Share: Revenue from interchange on Every Visa Debit cards (up to 3% cashback) plus yield share / sweep program economics on idle customer cash deployed into US Treasuries and money market funds via Thread Bank and BNY Mellon Pershing; Atomic Invest receives 0% to 0.85% annualized AUM-based compensation creating aligned yield revenue.
5. Tiered Bundle Plans (New Founders / Existing Companies / Established Startups): Bundled subscription packages starting at $1,000/month (new founders), $2,000/month (existing companies with banking + treasury), and $3,000/month (established startups with HR Suite + taxes + bookkeeping up to $30k monthly spend) — land-and-expand model.
6. Free Incorporation Lead Generator: Free Delaware C-Corp incorporation (including instant EIN retrieval, tech-ready legal docs, entity name change, foreign qualification, registered agent) used as a $0 acquisition funnel to land customers who then adopt paid banking, payroll, bookkeeping, and tax products.
7. Professional Services / Accounting Add-On: Hourly professional services billed at $125/hr for accountant and $250/hr for controller work beyond standard subscription scope.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels12 records

Core offering

Every provides an AI-native, all-in-one back-office platform for startups and small businesses that consolidates free Delaware C-Corp incorporation, FDIC-insured banking and Visa debit cards, multi-state payroll & HR, bookkeeping, corporate tax preparation, and treasury/cash management into a single integrated product. In March 2026 it layered three autonomous AI agents — AI CFO, AI Bookkeeper, and AI CHRO — on top of this unified data model to deliver real-time financial intelligence, automated bookkeeping, and continuous HR compliance.

Product overview

Every.io is an AI-native, all-in-one back-office platform for startups and small businesses, structured as a single unified platform with deeply integrated modules rather than a collection of separate tools. The core product suite includes: Incorporation (free Delaware C-Corp with AI-driven instant EIN retrieval), Banking & Cards (Thread Bank FDIC-insured checking plus Every Visa debit card with up to 3% cashback), Investment and Cash Management (U.S. Treasury Bills, Vanguard Money Market Fund, and a Cash Sweep Program via Every Securities LLC at BNY Mellon Pershing), Payroll & HR (multi-state payroll, automated state tax registrations, benefits, EOR for international employees, Compliance AI), Bookkeeping (dedicated bookkeeper and controller with AI-enriched categorization), and Taxes (federal and state tax filings, R&D Tax Credit). In March 2026, Every layered three AI-native Back Office Agents on top of this unified platform — AI CFO, AI Bookkeeper, and AI CHRO — that automate financial intelligence, bookkeeping, and HR compliance with high context from the integrated data model. The platform also offers an earned-wage access sub-product (Every Advance), a partner ecosystem with VCs and accelerators, and an AI-native roadmap including Every AI Chat and an AI CFO Dashboard.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Incorporation Free Delaware C-Corp incorporation service for startups, including AI-driven instant EIN retrieval, legal documents for tech startups (incorporation package, board setup, NDAs), automated 83(b) elections, registered agent, entity name change filing, foreign qualification, and a startup bank account opened at the same time. Used as the $0 acquisition funnel into Every's paid products.
• Banking & Cards Free business checking account and Every Visa Business Debit Card for startups, with up to 3% cashback on business spend, AI-powered bill payments (ACH and wires), expense management, receipt collection, reimbursements, vendor W-9 collection, automated 1099 filing, and Treasury Policy tools. Accounts are held at Thread Bank (Member FDIC) with up to $3M FDIC pass-through insurance via deposit sweep program banks.
• Investment and Cash Management Treasury management offering access to U.S. Treasury Bills (1, 3, and 6-month maturities), Vanguard Money Market Fund (VUSXX), and a Cash Sweep Program via Every Securities LLC at BNY Mellon Pershing with Atomic Invest advisory integration. Includes Autopilot for automatic T-bill purchases, bond ladder builder, and yields up to 4.3% APR on idle cash.
• Payroll & HR Modern payroll, benefits, and compliance platform covering all 50 U.S. states, automated state tax registrations, automated payroll calculations and tax filings, US 1099 contractors, international contractor and employee payments via EOR, multiple payroll cycles, benefit deductions, garnishments, FSA/Dependent Care FSA/Commuter/401k, Compliance AI, and workers comp. Priced at $25/user/month plus $80/month base.
• Bookkeeping Accrual-basis bookkeeping subscription for high-growth startups combining AI-enriched account categorization that augments vendor data on transactions with a dedicated human bookkeeper and controller. Delivers monthly P&L, balance sheet, and cash flow statements formatted for investors, with an optional Revenue Recognition add-on. Pricing starts at $330/month.
• Taxes Full-year corporate tax preparation for startups, including federal and state corporate income tax filings, Delaware franchise tax, BOI filing, 1099-NEC filing, R&D Tax Credit claims, additional city income tax filing, foreign shareholder return 5472, foreign subsidiaries 5471, and additional tax consulting. Pricing starts at $1,500/year with optional add-on packages.
• AI CFO Agent AI-native agent launched March 2026 providing real-time financial intelligence across banking, payroll, accounting, and tax data integrated in Every's platform, replacing fragmented consultants with consolidated AI-driven insights for startup and small business founders.
• AI Bookkeeper Agent AI-native agent launched March 2026 that automates bookkeeping workflows in real time, leveraging Every's unified data model for high-context AI support that point-solution competitors cannot match. Powers automated reconciliation, transaction categorization, and financial statement preparation.
• AI CHRO Agent AI-native agent launched March 2026 that handles HR compliance, payroll, and benefits workflows for startups and small businesses, removing the need for additional HR staff. Includes automated Compliance AI monitoring and benefits administration across the Every platform.
• Every Advance Earned-wage access program that lets employees request instant cash advances on wages already earned but not yet paid. Advances are deposited into the employee's Every Checking Account and recovered via direct deposit deductions on the next pay cycle. Free for employees.
• Every Partner Program Partner ecosystem for VCs, accelerators, incubators, legal and accounting firms, influencers, and SaaS platforms offering exclusive founder offers, custom co-marketing, and revenue share via PartnerStack. Current partners include Sequoia Capital, Redpoint Ventures, Y Combinator, Foundation Capital, Maverick Ventures, Boost VC, and others.

Named customers18 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability10 records

Feature7 records

Partnerships

18 partnerships are on record, tiered flagship, core and minor.

• Thread Bank (Member FDIC)flagshipTechnology or IntegrationProvides FDIC-insured Every Checking accounts, issues the Every Visa® Debit Card, and supports up to $3M FDIC insurance via the Thread Bank deposit sweep program. Disclaimers note Thread Bank places deposits at program banks; pass-through insurance coverage subject to conditions.
• BNY Mellon PershingflagshipTechnology or IntegrationProvides brokerage custody for Every Securities LLC customer accounts investing in U.S. Treasury Bills; integrated through Every's Investment and Cash Management product.
• Atomic Invest LLC / Atomic Brokerage LLCflagshipTechnology or IntegrationSEC-registered investment adviser and broker-dealer providing cash sweep program (Dreyfus Insured Deposits and Liquid Insured Deposits), investment advisory services, and brokerage infrastructure for Every Securities LLC accounts; Every receives 0% to 0.85% annualized AUM-based compensation for referred clients.
• Visa U.S.A. Inc.coreOEM/ Whitelabel/ Licensing PartnerLicenses Visa Global Services Inc. (VGSI) and the Visa network to issue the Every Visa® Debit Card via Thread Bank; payment services for Every, Inc. non-MIFID products provided by VGSI, a licensed money transmitter (NMLS ID 181032).
• The Currency Cloud Limited (Currencycloud)coreTechnology or IntegrationPowers international payment infrastructure for Every, referenced via dedicated 'The Currency Cloud Inc. (TCCI) Terms' and 'Terms of Use - The Currency Cloud Limited' pages on every.io/legal.
• Sequoia CapitalflagshipGTM or Marketing PartnerEvery.io partners with Sequoia Capital to support founders building enduring companies; founders claim an exclusive offer plus the all-in-one back office.
• Red Beard VenturescoreGTM or Marketing PartnerEvery.io and Red Beard Ventures back visionary founders with dynamic financial infrastructure for accelerated growth and scale.
• Foundation CapitalcoreGTM or Marketing PartnerPartnership to support visionary founders with essential tools and resources for early-stage startups.
• Maverick VenturescoreGTM or Marketing PartnerSpecialized tools and resources designed to accelerate innovation and startup growth for Maverick-backed founders.
• TQ VenturescoreGTM or Marketing PartnerPartnership to support innovative founders with essential resources designed to help startups navigate challenges and accelerate growth.
• BoostVCcoreGTM or Marketing PartnerJoint partnership program for deep tech startups delivering resources, funding opportunities, and expert guidance.
• Bdev VenturesminorGTM or Marketing PartnerCollaboration to support visionary founders with specialized resources to accelerate startup growth trajectory.
• 25MadisonminorGTM or Marketing PartnerJoint partnership to build and scale innovative startups with comprehensive tools designed for founders from ideation to market launch.
• UncorkminorGTM or Marketing PartnerExclusive resources, mentorship, and community support for early-stage founders via Every.io x Uncork collaboration.
• Audacious VenturesminorGTM or Marketing PartnerPartnership to support bold founders building transformative companies with tailored financial tools built for speed, scale, and ambition.
• Initio CapitalminorGTM or Marketing PartnerCollaboration providing exclusive resources, mentorship, and community support for early-stage founders.
• 512FinancialminorImplementation/ SI/ Consulting PartnerAnnounced June 2, 2026: 'Every + 512Financial: Financial Expertise for High-Growth Startups' — provides dedicated financial expertise to high-growth Every customers.
• Y Combinator (Product Co-Development Partner)coreStrategic or Co-development PartnerCarolynn Levy, Partner at Y Combinator, provided guidance to Every on the incorporation product, stating 'founders can be confident they're starting with a corporate structure built for long-term success.'

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Rippling: Rippling offers unified HR, payroll, benefits, IT, and finance for businesses of all sizes. Directly competes with Every on the HR/payroll/benefits layer and was explicitly cited by Every customer Axflow as the prior tool they switched from due to complexity.
• Gusto: Gusto provides payroll, benefits, and HR for small businesses, with strong brand recognition among US SMBs and a built-in banking partnership. Directly competes with Every's payroll/HR suite and serves a highly overlapping startup and SMB customer base.
• Mercury: Mercury provides startup-focused business banking, treasury, and bill pay — the most direct competitor to Every's banking & cards and investment/cash management products among venture-backed startups.
• Pilot: Pilot is a bookkeeping, tax, and CFO services firm built specifically for startups and tech companies, directly competing with Every's bookkeeping and tax subscription products at a similar price point and customer profile.
• Brex: Brex provides corporate cards, banking, bill pay, and expense management for startups and mid-market companies, overlapping with Every's banking/treasury and (via Ramp-like competitors) expense workflows.
• Ramp: Ramp offers corporate cards, expense management, bill pay, and procurement with strong AI automation — directly competing with Every's cards, AI-powered bill pay, and expense workflows.
• Deel: Deel provides global payroll, EOR, contractor management, and HR — directly overlapping with Every's international contractor/EOR offering and increasingly with full HR/payroll for distributed startups.
• Justworks: Justworks offers payroll, benefits, HR, and compliance for SMBs and startups via a PEO model, competing with Every's payroll/HR suite especially for US-based growing companies.

Broad incumbents

• Intuit QuickBooks: Intuit QuickBooks is the dominant US SMB accounting/bookkeeping platform, with embedded payroll and a recently launched AI assistant — a broad incumbent that competes with Every's bookkeeping product and increasingly its AI Bookkeeper agent.
• ADP: ADP is the largest US payroll/HR provider serving SMBs through enterprise, with RUN, Workforce Now, and Vantage HCM offerings — a broad incumbent whose SMB tier overlaps directly with Every's payroll/HR product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/EveryBanking
• YouTubeyoutube.com/channel/UCovYP12f5jbGCBw_6Pt2Jew
• LinkedInlinkedin.com/company/everybanking
• Instagraminstagram.com/everybanking

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Every