New · AI-assisted reconciliation

Accounting that
actually keeps up.

Juto brings your invoices, expenses, payroll and reports onto one calm canvas — built for finance teams that want to close the books in days, not weeks.

Start 30-day free trial Book a demo

No credit card · Cancel anytime · Built for Nigeria, UK, US & EU

juto.app/dashboard

Cashflow · April

Revenue ₦148.9M ↑ 12.4% vs March

Expenses ₦62.3M ↓ 3.1% vs March

Outstanding ₦24.6M 6 invoices

Cash on hand ₦312.5M Healthy runway

Built by accountants and engineers who know the books need to balance.

Features

Everything your finance team needs.

From the first invoice you send to year-end reporting, Juto keeps every number in sync without spreadsheets in between.

Invoicing that gets paid

Branded invoices, automatic chasing, and one-tap reconciliation when the cash lands. Average payment days drop by 38%.

Reports without the wait

P&L, balance sheet, and cashflow update in real time as you work - no more waiting for month-end exports.

Connected to your stack

Direct bank feeds with 30+ Nigerian banks at launch, with UK, US, and EU integrations expanding through 2026.

Close the books

Month-end in a day, not a week.

Juto AI’s reconciliation engine matches transactions, surfaces anomalies, and routes approvals to the right people automatically. Your team stops chasing receipts and starts closing.

Smart matching across 1M+ transactions/day
Anomaly detection on every ledger entry
Audit trail ready for any auditor

Reconciliation queue · 12 items

STRIPE PAYOUT ₦2,140,500 Matched

AWS · April ₦312,400 Matched

Adobe Creative ₦54,990 Review

Lagos Mercantile Ltd ₦12,450,000 Matched

Unknown vendor ₦890,000 Anomaly

“Switching to Juto cut our close from five days to one. The team has time to actually do finance work now — not chase spreadsheets.”

Phebean Falaye CFO · Gold-Day Consult Ltd

Pricing

Plans that scale with you.

Flat monthly pricing per organisation — no per-seat surprises. Save 20% with annual billing, equivalent to 2 months free. Prices shown in Nigerian naira; GBP, USD, EUR, and CAD also available.

Starter

₦35,000/mo

Solo finance operator or founder managing a single entity.

Choose Starter

1 legal entity · 3 users · 1 bank connection
Invoices, bills & expenses
P&L & Balance Sheet reports
VAT return preparation
1-year audit log
Email support · 48-hour SLA

Growth

₦85,000/mo

Growing SME with a dedicated bookkeeper and up to 2 entities.

Choose Growth

2 legal entities · 5 users · 3 bank connections
Everything in Starter
Customisable chart of accounts
Cash Flow & AR/AP Ageing reports
Full tax returns (VAT + WHT)
Approval workflows
Multi-currency
Payroll add-on available
3-year audit log
Email support · 24-hour SLA

Professional

₦220,000/mo

Mid-market company with a finance team and multiple entities.

Choose Professional

10 legal entities · 20 users · 10 bank connections
Everything in Growth
Consolidated P&L & Balance Sheet across entities
Multi-entity tax roll-up
AI reconciliation
Payroll included — up to 50 employees
FX gain/loss auto-posting
API access (read-only)
7-year audit log
Priority email + live chat · 4-hour SLA

Enterprise

Custom

Large corporates, fund managers, and institutional investors.

Contact sales

Unlimited entities, users & bank connections
Everything in Professional
Fund accounting & investor allocation (NAV, capital calls)
Payroll included — unlimited employees
Full API (read/write, webhooks & custom integrations)
On-premise deployment option
10-year audit log + custom export
Dedicated CSM · 1-hour SLA · Slack channel
99.9% contractual uptime SLA
SOC 2 report on request

Payroll module

Growth tier

₦25,000 / entity / mo

+ ₦2,500 per employee/month. Nigeria, UK, US & Canada payroll markets supported. Professional and Enterprise include payroll.

Additional employees

Professional tier

₦2,000 / employee / mo

Professional includes up to 50 employees per entity. Add more at this rate. Enterprise includes unlimited employees.

Extra legal entity

Starter & Growth

₦30,000 / entity / mo

Starter includes 1 entity; Growth includes 2. Add entities beyond your plan’s allocation without upgrading.

Extra user

Any tier

₦8,000 / user / mo

Any tier that reaches its user cap can add seats at this rate. Enterprise includes unlimited users.

API access (read-only)

Starter & Growth

₦20,000 / org / mo

Read-only access to reporting endpoints. Professional includes read-only API; Enterprise includes full read/write + webhooks.

Dedicated onboarding