Snap the receipt.
Upload a photo or PDF. Sail reads the supplier, NIF, document number, date and VAT for you to check and save.
Sail for your books
Close the month. Hand your accountant everything.
Your bank movements, receipts, invoices and card payments in one place, matched as they happen. When the month ends, your accountant gets every file they ask for — not a shoebox of PDFs.
For freelancers, small businesses and the contabilistas who keep their books.
Month-end close
October 2026
- 142 bank movements synced
- 38 receipts matched to expenses
- 2 expenses still missing a receipt
- IVA draft ready for review
- SAF-T for October generated
4 of 5 doneSend to accountant
Illustrative month · fictional business
A receipt on every expense
Snap or upload it and Sail reads the supplier, NIF, document number and VAT, then pins it to the bank movement it paid.
VAT tagged as you go
Rate, VAT amount, supplier NIF and deductibility on each expense, with an IVA draft that adds itself up.
Certified invoices + SAF-T
FT, FR and NC issued under AT certification, with the month's SAF-T (PT) file ready to download.
One month, every file
Expenses, issued invoices, bank movements and Stripe payments for any month, in Excel or CSV, from one tab.
Matched to the bank.
The receipt lands on the payment it belongs to. A No receipt filter shows exactly what is still missing.
Your IVA, as you go.
Output VAT from the invoices you issue, input VAT from tagged expenses, by rate — and the net position, without waiting for the quarter.
Stripe, reconciled.
Every card, MB WAY and direct-debit payment with its gross, Stripe fee and net, and each payout matched to the bank credit it became.
Hand it over in a click.
Pick the month. Download the expenses, invoices, bank movements and SAF-T your accountant asks for — Excel or CSV, plus the invoice PDFs.
Ask your books
Ask your books. Approve what changes.
The built-in assistant reads your transactions, receipts, VAT and Stripe payouts, and explains them in plain words. When something needs fixing, it prepares the change and waits for you.
- Ask what is missing, what changed, or what a line on your bank statement is.
- Get the answer with the numbers, charts and invoices behind it.
- Every change is a card you approve. Nothing is edited behind your back.
Four example conversations. In the first, the owner asks what is left before closing October; the assistant finds two missing receipts and six untagged expenses and proposes tagging them, which the owner approves. In the second, the owner drops five receipts into the chat; the assistant matches four to their expenses, asks about the fifth, and attaches them after approval. In the third, the assistant explains why IVA is higher than last quarter with a chart. In the fourth, the owner pastes the accountant's question about a €411.67 Stripe credit and the assistant breaks it into three payments, fees and invoices, ready to copy.
Sail assistant
Fictional business · scripted demo
Illustrative conversations. The assistant reads your data with your permissions and changes nothing without your approval.
Your accountant, inside Sail
Invite your accountant. Only what they need.
Add your contabilista as a teammate with the Accountant preset: bank movements, receipts and documents, the VAT draft, and your invoices read-only. No budgets, no dashboards, no assistant.
- They see the receipts the moment you add them — no more chasing by email.
- Invoicing stays view-only: they can check every document, not issue one.
- Adjust any switch afterwards, and remove access whenever you like.
Sofia Ramos
AccountantRead onlyEverything
- Bank movements, receipts & VAT
- Invoicing · view only
- Dashboard
- Budgets & cashflow
- AI assistant
Sofia will see: Transactions, Documents and Accounting. Invoices can be viewed but not issued.
A month-end your accountant will thank you for.
- Step 01
During the month
Bank movements sync on their own. Add receipts as you spend; Sail reads them and matches them to the payment.
- Step 02
On the first of the month
Filter No receipt and untagged expenses, close the gaps, and check the IVA draft for the period.
- Step 03
Export the month
Download expenses, issued invoices, bank movements, Stripe payments and the SAF-T — Excel or CSV — or let your accountant do it themselves.
- Step 04
Your accountant files
With everything in one place, they review, post and submit. Questions come with the receipt already attached.
Sail prepares the figures; it does not file returns. Your IVA draft is a working document — declarations are reviewed, signed and submitted by your contabilista certificado (OCC).
Simple plans, monthly or annual
Every plan includes bank sync, payment requests and Sail’s built-in assistant. Certified invoicing is optional. Choose your monthly payment allowance, accounts, team size and AI usage. External AI connections through MCP start at Plus.
Basic
For one person getting paid by a handful of customers.
€10/ month
Billed monthly, cancel any time
- 100 payments collected a month
- 1 bank account
- 1 user
- 1,000 automated emails/month
- AI assistant · limited usage
- Optional certified invoicing: €5/month + €0.20/invoice
Plus
Most popularFor a small business collecting payments every week.
€30/ month
Billed monthly, cancel any time
- 500 payments collected a month
- 2 bank accounts
- You + 2 team members
- 5,000 automated emails/month
- AI assistant · fair usage
- External AI connections via MCP
- Optional certified invoicing: €4/month + €0.15/invoice
Pro
For teams with several accounts collecting every day.
€50/ month
Billed monthly, cancel any time
- 2,000 payments collected a month
- 3 bank accounts
- You + 3 team members
- 20,000 automated emails/month
- AI assistant · generous usage
- External AI connections via MCP
- Optional certified invoicing: €3/month + €0.10/invoice
Custom
Higher volumes, more accounts and seats, onboarding help.
Let's talk
Quoted per account
- Unlimited payments collected
- Unlimited bank accounts
- Unlimited team members
- Automated emails tailored to your volume
- AI assistant · unlimited usage
- External AI connections via MCP
- Optional certified invoicing tailored to your volume
Includes AT integration. Monthly fee applies while invoicing is enabled.
Prices exclude VAT, added on your plan and usage invoices at your country's rate.
Payment method fees · paid to Stripe
When a customer pays by card, Apple Pay, Google Pay, MB WAY or SEPA direct debit, Stripe collects it on the Stripe account set up in your name and deducts its standard rate before paying the rest out to your bank. Sail adds nothing on top and takes no share of your payments.
Visa and Mastercard
- European Economic Area consumer cards
- 1.5% + €0.25
Apple Pay
1.5% + €0.25European Economic Area consumer cards
Google Pay
1.5% + €0.25European Economic Area consumer cards
MB WAY
1.5% + €0.25SEPA Direct Debit
- Per successful debit
- €0.35
Stripe's published rates for Portugal, last checked 2026-10-03; rates in other countries may differ. Stripe may change them; the current list is at stripe.com/pt/pricing
Before you pay
Which countries can use Sail?
Sail is in early access in the 20 eurozone countries, and signup is open in all of them: your business's country sets the tax-id format and the country of your Stripe account. Payment requests, payment pages, bank sync, cards and direct debit and the assistant work everywhere. Certified invoicing and the VAT draft are live in Portugal only for now.
What happens when I reach my monthly allowance of payments?
Nothing stops. Every payment past it costs €0.05 on your next usage invoice, up to the cap, and the counter resets with the month. If it keeps happening, the next plan is cheaper than the overage, and switching takes one click.
Who charges me when a customer pays by card or direct debit?
Stripe does, from the payment itself, at its published rates, on the Stripe account set up in your name. The complete fee schedule is available in the app. The rest is paid out to your bank. Sail takes no share of your payments, and bank transfers never involve Stripe at all.
Can I make sure AI never adds to my bill?
Yes. Set your monthly AI cap to zero and the assistant stops at the tokens your plan includes. You can also run it on your own provider key, in which case Sail bills nothing for AI at all.
How is MCP different from Sail’s assistant?
Sail’s built-in assistant is included in every plan. MCP connects a compatible external AI app to the Sail data and management tools you authorise, within your existing permissions. Every change requires your confirmation in Sail, and you can revoke access at any time. MCP is included in Plus, Pro and Custom; Basic requires an upgrade. Your external AI app’s own charges apply, and MCP reads do not use your Sail assistant allowance.
Is VAT included?
No. Every price on this page excludes VAT, which is added on your plan and usage invoices — 23% IVA for a business in Portugal. A business elsewhere in the EU that gives its VAT number is billed under the reverse charge.
Can I cancel?
Any time, from your billing settings. A monthly plan ends at the end of the month, a yearly plan at the end of its year, and usage already incurred is billed on the final usage invoice.
Close the books without the shoebox.
Start with your bank and your receipts. By month-end, everything your accountant needs is one click away.