Saldo Apps
Saldo Apps is a fintech ecosystem offering cloud-based bookkeeping, invoicing, and receipt-scanning apps for self-employed individuals and micro-businesses globally. It monetizes via a freemium subscription ($14.99/month Business tier) and transaction fees, serving 500,000+ users across five continents.
- Company typePrivate
- Founded2021
- HeadquartersAlbany, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Saldo Apps does
Saldo Apps operates a fintech ecosystem designed for self-employed individuals, micro-businesses, and financially-savvy consumers worldwide. The company offers a GSuite-like suite of single-purpose mobile applications—Saldo Finance (expense tracking, net worth, budgeting, crypto/stocks), Invoice Maker (invoicing with Stripe and Tap2Pay payment integration), and Receipt Scanner (intelligent receipt recognition via computer vision)—connected to an all-in-one web platform that synchronizes data across devices and supports multi-user access for Business plan subscribers. The platform architecture is intentionally modular, targeting SMB customers who find monolithic super-apps overwhelming and who currently copy-paste data across 3-5 disconnected tools.
The company is a Delaware-incorporated entity (Saldo Apps Inc., legal address in Middletown, DE) operating within the Netpeak Group ecosystem, with physical offices in Brandon, FL and engineering/development operations in Kyiv and Odesa, Ukraine. Distribution is mobile-first via iOS App Store and Google Play, supplemented by the web application at app.saldoapps.com. Technical capabilities include AI-powered receipt OCR, bank account integration (via Mono) for automatic transaction syncing, multi-currency support, and integrations with Google/Apple for authentication, Stripe and Tap2Pay for payments, and PayPal for invoice receipt. The company claims 500,000+ registered users, 1.5 million app installations, presence across 5 continents, and a 4.8-star average App Store rating.
Saldo Apps monetizes through a freemium subscription model: a free Personal tier with limited functionality (1 synced account, 3 invoices, 10 expenses) and a Business tier at $14.99/month providing unlimited transactions, 50 synced accounts, unlimited invoices/expenses, multi-currency, multi-device sync, and unlimited multi-user access. A 0.5% transaction fee is applied to Stripe and Tap2Pay payments processed through Invoice Maker. The company received $500,000 in seed funding from hi5 Ventures in September 2023 and has disclosed $1 million in annual revenue.
Saldo Apps firmographics
Firmographics- Name
- Saldo Apps
- Legal name
- Saldo Apps Inc.
- Website
- https://saldoapps.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Saldo Apps is a fintech ecosystem offering cloud-based bookkeeping, invoicing, and receipt-scanning apps for self-employed individuals and micro-businesses globally. It monetizes via a freemium subscription ($14.99/month Business tier) and transaction fees, serving 500,000+ users across five continents.
- Ownership category
- akta.pro rank
Saldo Apps industry classification
Industry- Product category
- Personal & Small Business Finance Management Software
- NAICS
- Software Publishers (513210), Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
- akta.pro secondary industry
- Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where Saldo Apps is headquartered
LocationHeadquarters
- HQ city
- Albany
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Saldo Apps business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Revenue (Business Plan): Monthly subscription at $14.99 providing access to full functionality including unlimited transactions, 50 synced accounts, unlimited invoices, unlimited expenses, multi-currency support, multi-device sync, unlimited user access, and all-in-one web platform access. The Personal (Free) tier offers limited features with 1 synced account, 3 invoice limit, 10 expense limit.
- Transaction Fees: 0.5% transaction fee on Stripe and Tap2Pay payments processed through the Invoice Maker app for both Personal and Business tiers.
- Freemium Model: Free tier with limited functionality drives user acquisition and conversion to paid Business subscription. Company reports $1 million in annual revenue from financial tools apps.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Personal tier with basic features |
| Subscription | Monthly | Business plan at $14.99/month for full ecosystem access |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Saldo Apps product offering
Product offeringCore offering
Saldo Apps sells a cloud-based fintech ecosystem consisting of three single-purpose mobile apps—Saldo Finance for personal finance and expense tracking, Invoice Maker for invoicing and client/payment management, and Receipt Scanner for AI-driven receipt digitization—plus a unified all-in-one web application that synchronizes data across the apps. The offering targets self-employed individuals, micro-businesses, and financially-savvy consumers who need specialized financial tools without the complexity of larger platforms.
Product overview
Saldo Apps is a fintech ecosystem offering a GSuite-like cloud bookkeeping solution for small businesses and self-employed individuals. The platform consists of four interconnected products: Saldo Finance (expense and finance management), Invoice Maker (invoicing solution), Receipt Scanner (receipt scanning with intelligent OCR), and a unified all-in-one Web Application that synchronizes data across all apps. Users can access features through both mobile apps (iOS/Android) and web, with data synced across the ecosystem. The ecosystem is designed for micro-businesses needing single-purpose specialized tools rather than overwhelming all-in-one platforms.
Differentiator
Problem solved
Functional benefit
Brands
- Saldo Finance: Financial planning and money management app for personal finance
- Invoice Maker
- Receipt Scanner
- Saldo Apps Web Application
Products and services
- Saldo Finance Mobile finance management app for tracking expenses, net worth, budgets, and financial transactions with multi-currency support and crypto and stock portfolio tracking. Targets self-employed individuals, micro-business owners, and financially-savvy consumers.
- Invoice Maker Mobile invoicing app that enables small businesses and self-employed individuals to create and send invoices, receive payments via Stripe and Tap2Pay contactless payments, manage clients, and configure payment reminders. Targets small businesses needing integrated invoicing and payment collection.
- Receipt Scanner Receipt scanning app that uses intelligent computer-vision recognition to automatically extract merchant name, date, sum, currency, category, tags, and notes from receipt photos. Assists with 1040 IRS form preparation and avoids expense miscategorization. Targets micro-businesses and self-employed users needing digital receipt management for tax compliance.
- Saldo Apps Web Application Unified web platform that combines the functionality of Saldo Finance, Invoice Maker, and Receipt Scanner into a single interface. Enables multi-device synchronization, unlimited multi-user access and user management, 50 synced accounts, unlimited invoices and expenses, payment reminders, and client email campaigns. Included with the $14.99/month Business subscription.
Quantifiable outcome
- Saves hours every month through intelligent receipt recognition
- +3 more outcomes
Companies that use Saldo Apps
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Saldo Apps technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability3 records
Feature5 records
Saldo Apps partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights5 records
Saldo Apps competitors and assessment
Company assessmentDirect peers
- FreshBooks: FreshBooks provides cloud accounting software with invoicing, expense tracking, and time billing primarily for small businesses and freelancers. Comparable on SMB/freelancer focus, mobile app availability, and core features (invoicing, expense management) overlapping with Saldo's product portfolio.
- Expensify: Expensify specializes in receipt scanning, expense management, and corporate card reconciliation with AI-powered OCR technology. Comparable on the receipt scanning AI capability and expense management use case, though Expensify skews toward enterprise/SMB with employees rather than micro-businesses.
- Wave Accounting: Wave offers free cloud-based accounting, invoicing, and receipt scanning for small businesses and freelancers with a freemium model. Directly comparable to Saldo Apps on product scope (invoicing + accounting + receipts), target customer (micro-businesses/self-employed), and pricing strategy (freemium with paid features).
- Hurdlr: Hurdlr is a mobile-first financial tracking app for freelancers and self-employed individuals with automatic income/expense tracking, mileage logging, and tax estimation. Closely comparable on target persona (self-employed/freelancers), mobile-first approach, and automated expense/income tracking functionality.
- Keeper: Keeper is a tax filing and expense tracking app specifically designed for self-employed individuals and freelancers, offering income/expense categorization and tax estimates. Highly comparable on target persona (self-employed) and personal finance/tax management use case.
- Bonsai: Bonsai is an all-in-one business management platform for freelancers and self-employed professionals covering invoicing, contracts, expenses, and taxes. Comparable on target persona (solopreneurs/micro-businesses) and integrated product suite approach similar to Saldo's ecosystem.
Broad incumbents
- Square (Block) Invoices: Square offers invoicing, payment acceptance, and business management tools for SMBs as part of its broader payments ecosystem. Comparable on invoicing and payment acceptance features (Stripe/Tap2Pay vs. Square), but Square is a broader commerce platform with payments at its core.
- Zoho Invoice / Zoho Books: Zoho offers a suite of business apps including Zoho Invoice and Zoho Books for invoicing, expense tracking, and financial management for SMBs. Comparable on ecosystem-of-apps approach (similar to Saldo's GSuite-like positioning) and target SMB customers, though Zoho's suite is much broader.
- Xero: Xero is a cloud accounting platform for small businesses with invoicing, expense management, and bank reconciliation. Comparable on cloud accounting for SMBs and invoicing capabilities, though Xero is positioned for slightly larger SMBs than Saldo's micro-business focus.
- QuickBooks Self-Employed: Intuit's QuickBooks Self-Employed product targets freelancers and self-employed individuals with expense tracking, invoicing, and tax preparation. Comparable on persona and core feature set, but backed by Intuit's massive R&D, brand recognition, and ecosystem (TurboTax, QuickBooks full suite).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Saldo Apps social profiles
Digital presenceSaldo Apps compliance and trust
Trust signalCompliance2 records
Saldo Apps financial estimates
Financial estimateRevenue estimate
Valuation estimate
Saldo Apps leadership team
Management profileNumber of profiles
Profiles9 records
Saldo Apps funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Saldo Apps M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Saldo Apps
What does Saldo Apps do?
Saldo Apps sells a cloud-based fintech ecosystem consisting of three single-purpose mobile apps—Saldo Finance for personal finance and expense tracking, Invoice Maker for invoicing and client/payment management, and Receipt Scanner for AI-driven receipt digitization—plus a unified all-in-one web application that synchronizes data across the apps. The offering targets self-employed individuals, micro-businesses, and financially-savvy consumers who need specialized financial tools without the complexity of larger platforms.
Is Saldo Apps a public or private company?
Saldo Apps is a private company. It is classified as corporate owned and is currently operating.
When was Saldo Apps founded?
Saldo Apps was founded in 2021. It employs 11 to 50 people.
Where is Saldo Apps based?
Saldo Apps is headquartered in Albany, United States, in the North America region.
How does Saldo Apps make money?
Three revenue lines are on record. Subscription Revenue (Business Plan) is the primary driver. The others are transaction Fees and freemium Model.
Who are Saldo Apps's main competitors?
Direct peers on record are FreshBooks, Expensify, Wave Accounting, Hurdlr, Keeper and Bonsai. Broad incumbents are Square (Block) Invoices, Zoho Invoice / Zoho Books, Xero and QuickBooks Self-Employed.
Does Saldo Apps have an API?
No public API is recorded for Saldo Apps.
What industry is Saldo Apps in?
Saldo Apps's product category is Personal & Small Business Finance Management Software. Its primary akta.pro industry code is BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms, with a secondary code of FSAGADAD, Debt Management & Paydown (Student Loans, Credit Cards). Its NAICS code is 513210 and its SIC code is 7372.