7 Best AI Agents for Finance Teams in 2026: Features, Security, and Pricing

AI agents in finance handle multi-step jobs across your finance tools. For example, an agent can read an invoice, match it to a purchase order, and get it ready for your approval.

• You can use them for jobs like matching invoices, sorting receipts, following up on unpaid invoices, and drafting reports. You decide which steps need a person’s approval, like releasing a payment or sending a reminder.
• Before you pick one, check how it keeps your financial data private, which apps it can see, which actions need your approval, and whether it records every action.
• Start with one low-risk task, like drafting payment reminders. Keep your approval on every send, then add more tasks over time.

Fluso Agents lets you describe a finance job once in plain language, and your Agent runs it on your schedule. You set each tool to Allow, Ask, or Deny, so you decide which actions need your approval.

Meet Fluso Agents

I was reading KPMG’s 2026 report on AI in finance the other day and found that companies using agentic AI were around 30% more likely to report better results across key finance metrics than those still planning to adopt it. The report surveyed 1,013 senior finance leaders across 20 countries.

That makes sense when you look at the work finance teams handle every day. Collecting invoices, matching transactions, tracking cash flow and following up on late payments can take up hours. AI agents can take on many of these repetitive tasks, giving you more time for the work that needs your attention.

If you’re looking to reduce this routine work, you’re in the right place. I’ve shortlisted seven AI agents you can build for your finance tasks, whether you manage your own finances or lead a finance team. We’ll compare what each can do and how it handles data privacy and approvals. 

First, let’s look at what AI agents in finance can actually do.

What are AI agents in finance?

AI agents in finance take repeat work off your plate. For example, an agent can read a supplier invoice, match it to a purchase order and prepare a payment for your approval.

You can hand off routine tasks while staying in charge of key decisions. With the right platform, you choose which apps your agent can access, which actions it can take and when it needs your approval.

Unlike a basic finance chatbot that answers questions about your accounts or explains transactions, an AI agent can work across your tools to complete multi-step tasks, such as matching invoices, updating records and preparing payments.

Here are some finance tasks you can hand off to an agent, from everyday admin to more complex workflows.

Simpler finance tasks you can automate

These tasks help you reduce everyday admin and spend less time collecting, sorting and preparing financial information.

More complex finance tasks you can automate

You can also use agents for workflows that involve multiple systems, financial checks and actions that need closer review.

What to look for in an AI agent for finance

Use this table to see what you should look for in a finance AI agent and how Fluso measures up against each requirement.

7 best AI agents in finance to automate your routine work

These 7 platforms help enterprises and solopreneurs build agentic workflows for finance tasks like invoice matching and reconciliation. Compare their features, privacy controls, approvals and pricing.

Fluso Agents

Fluso is a European AI workspace with a built-in AI agent builder. Using Fluso Agents for finance work, you describe what you want an agent to do in plain words, connect the apps and files it needs, and set a schedule. You can review your agents’ instructions, control what they can access and check their results in one place. We offer European hosting by default, and we never use your data to train shared models.

Finance agentic workflows you can build with Fluso Agents

Here are some agentic workflows you can automate for your finance work, using your connected apps and schedule that fits your team. Fluso connects to apps like Gmail and Slack, and you can add others, so your agents work with the tools you already use.

Daily finance brief

Reviews finance-related emails and key figures from your spreadsheet, then posts a short update to Slack with important changes and pending tasks.

Invoice follow-ups

Checks your invoice tracker for overdue payments, finds the customers who need a reminder and drafts follow-up emails for your approval.

Expense report preparation

Collects expense records from your connected files, organizes the entries in a spreadsheet and prepares a weekly expense summary.

Cash flow monitoring

Reviews your cash flow spreadsheet, highlights changes in incoming and outgoing funds, and sends a short update when figures need your attention.

Month-end close updates

Reviews your close checklist, tracks outstanding items and summarizes what’s done and what still needs review.

Invoice collection

Gathers purchase and sales invoices from your email into one Drive folder each week, ready for your accountant.

Weekly investor report

Takes the numbers from your spreadsheet each week and turns them into a short PDF update for your investors. 

Budget vs. actual check

Compares actual spend in your spreadsheet with your budget and flags the categories running over.

Expense policy check

Checks expense entries against your policy document and lists the ones that need a second look.

Bills and renewals

Scans your inbox for bills and subscription renewals, keeps a list of due dates and posts a Slack reminder a few days before.

What makes Fluso Agents the best choice for your finance work

Data privacy

Financial records are sensitive, so we offer European hosting by default, and your data never trains shared models. You can also turn on confidential mode to add protection to your requests.

Verifiability

When you turn on confidential mode, the protection comes with proof you can verify. That helps when someone asks how your financial data is handled.

Agents that learn your way

Save your corrections as preferences, such as how you categorize an expense or word a payment reminder. Attach reference files like your expense policy, so your agents follow your rules next time. Each saved change creates a new version of the setup, and earlier versions stay available.

Control and approvals

You choose the apps your agents can use. Before a sensitive action, like sending a reminder, you see exactly what the agent will do and decide whether it goes ahead.

Ease of use

Describe the job in plain words, such as chasing overdue invoices, connect your apps and launch. You don’t need to write code.

Works while you’re away

Schedule jobs like a weekly cash flow summary or invoice follow-ups to run hourly, daily, weekly or on weekdays. The results land in your inbox.

Deployment options of Fluso

You can use Fluso on our cloud, with European hosting by default. If you’d like to run it on your own infrastructure or need a custom enterprise setup, talk to us about your requirements.

Pricing of Fluso

Start free, with Fluso Agents included in every plan. If you need more capacity, upgrade to Plus for $10 per user/month or Pro for $30 per user/month. Enterprise plan offers custom pricing and additional integrations for your organisation. 

Digits

Digits is a US-based AI-native accounting platform for business owners and accounting. You can manage your books, month-end close, bill payments, invoices and reports in one place.

What Digits’ agents do

According to Digits, its AI categorises your transactions around the clock and learns from your corrections over time. This helps you spend less time entering data and more time reviewing your books. You can also manage bill payments and invoices in the same ledger.

Digits also offers Agentic Close, an AI-powered workflow that helps accounting firms manage their month-end close. According to the company, it can book transactions, reconcile accounts and review financial records continuously. You can use Ask Digits to ask questions about your financial data.

Data privacy and approvals at Digits

Digits says it protects your data with envelope encryption. You can review flagged transactions before they move forward.

Pricing of Digits

Digits offers three plans, Essentials at $65/month, Core at $100/month and Pro at $250/month (coming soon). Choose the plan that fits your business needs and compare features on the Digits website.

Light

Light is a Copenhagen-based agentic ERP for finance teams that manage multiple entities. You can bring your entities onto one ledger and use AI agents to handle routine finance work while your team stays in control.

What Light’s agents do

According to Light, you can forward a supplier invoice to your Light inbox and the system turns it into a draft bill in your ledger. Its Bill Agent uses your instructions and the vendor’s previous bills to code the invoice. You can set approval rules based on the entity, vendor or amount before the bill gets posted.

Data privacy and approvals at Light

Light lists SOC 1 Type 2, SOC 2 Type 2 and GDPR compliance. According to the company, you can set approval rules so your team reviews bills before they are posted. 

Pricing of Light

Light does not list its software pricing publicly. You can visit its website to book a demo and request a quote.

Campfire

Campfire is a San Francisco-based AI-native ERP for enterprises. You can manage your ledger, revenue, reporting and financial close in one platform.

What Campfire’s agents do

According to Campfire, its Ember Agents handle recurring finance tasks such as accounts payable, accounts receivable, accruals and transaction matching. You can also use Ember Chat to ask questions about your financial data.

Campfire says its platform groups related transactions and suggests actions so your team can review work faster.

Data privacy and approvals at Campfire

According to Campfire, you can configure policies, user roles and approval workflows with more than 1,200 granular permissions. The company also lists SOC 1 and SOC 2 certifications.

Pricing of Campfire

Campfire does not list its software pricing publicly. You can visit its website to book a demo and request a quote.

Integral

Integral is an AI-native accounting, tax and payroll service for small and medium-sized businesses in Germany. It combines AI agents with licensed professionals who review and sign off on your work.

What Integral’s agents do

According to Integral, its AI agents work with licensed professionals to handle accounting, tax and payroll tasks for your business. The company delivers these services through its licensed firm, Integral Tax.

Data privacy and approvals at Integral

Integral says licensed professionals review and sign off on your work. Before you use the service, ask the company where it stores your financial data and what security controls protect it.

Pricing of Integral

Integral does not publish its pricing. You can visit its website to contact the team and request a quote.

Rillet

Rillet is an AI-native ERP and accounting platform for growing B2B SaaS, fintech and healthcare technology companies. It brings your financial data and accounting workflows into one system, with AI agents that help your team manage recurring finance tasks.

What Rillet’s agents do

Rillet’s AI agents support tasks across your accounting and financial close workflows. According to Rillet, they can code transactions, draft journal entries, manage accruals and reconcile accounts.

You can also use Rillet’s Aura AI assistant to ask questions about your live ledger. For accounts receivable, Rillet supports workflows from CRM contracts to invoices, payment reminders and payment links. 

Data privacy and approvals at Rillet

Rillet lists SOC 1 and SOC 2 Type II audits and follows security practices to protect financial data. Its AI assistant, Aura, suggests journal entries, and your team approves each one before it posts. 

Pricing of Rillet

Rillet does not publish fixed software pricing. Its pricing depends on the features you need and your business requirements. Please contact the company for a quote.

DualEntry

DualEntry is a New York-based AI-native ERP for mid-market businesses. It brings the general ledger, reconciliation, AP and AR, close management and multi-entity accounting into one system.

What DualEntry’s agents do

According to DualEntry, its accounting AI matches and categorizes transactions. It also flags anomalies, automates reconciliation and prepares accounting work. Information keeps moving through the system as transactions are processed.

Data privacy and approvals at DualEntry

According to DualEntry, you control what happens automatically and what needs review. You set this up with role-based access and approval workflows. Thresholds, period locking and tracked sign-offs add more control.

Pricing of DualEntry

DualEntry does not publish prices. You can book a demo to request a quote.

Build all AI agents you need for your finance work with Fluso

The best AI agents for finance give you control over your data and your workflows. With Fluso Agents, you can set up finance tasks, such as following up on unpaid invoices, and let your Agent handle them on your schedule. You can also require your approval before any message is sent.

Download Fluso and start free with Fluso Agents, no card needed.

FAQs about AI agents in finance

What are AI agents in finance?

AI agents in finance complete multi-step finance tasks across your tools, such as matching invoices to purchase orders and drafting payment reminders. Unlike a chatbot, they act in your systems, so you decide what they can read, what they can do and when a person approves.

What can AI agents do for accounting teams?

Accounting teams use AI agents to extract data from invoices, match payments to bank transactions, sort receipts and draft reports. Each task can keep a person on the final step. With Fluso Agents, you set which tools need your approval before an action runs.

Are AI agents safe for financial data?

They can be, if the platform limits what an agent can read and do. Look for approvals, access controls and private processing. With Fluso, you choose which apps your agents can use and which actions need your approval, and you can turn on confidential mode for added protection.

How much do AI agents for finance cost?

Prices range from free or low-cost plans for solo users to custom pricing for enterprise teams. Fluso Agents is included in every Fluso plan, and paid plans start at $10 per user a month. Always check current pricing.

Can freelancers and solo users use AI agents for finance?

Yes. Freelancers can use AI agents to draft invoices, chase late payments and sort receipts. Pick a plan with no-code setup and keep your approval on anything that moves money. You can start Fluso Agents on the free plan, with no card needed.

Can finance teams run AI agents in private or EU-based setups?

Yes, if the platform supports it. Fluso offers European hosting by default, and Enterprise teams can talk to us about a custom setup. Also check where any connected apps and model providers process your data.

How do I start using AI agents in finance?

Start with one low-risk task, such as drafting payment reminders, and keep your approval on every send. Run it for a few weeks before adding more. With Fluso Agents, you describe the job in plain language and schedule it.