Every — Independent Software Review

AI-Native Finance & HR for Startups

Compliance Transparency Index

Grade: C — Score: 55/100

Best For

• US founders consolidating banking, spending and payroll who accept Every-account funding and separately priced modules.
• New companies outsourcing accrual bookkeeping, particularly those meeting the $330 starting offer's spend and account limits.
• Businesses combining US employee payroll with contractor payments and selecting benefits or international hiring services separately.
• Founders forming a Delaware C-corporation who also want EIN and founder-document workflows alongside their finance platform.

Not Ideal For

• Employers requiring payroll to draw directly from an unrelated existing bank; published terms require an Every Checking Account.
• Buyers seeking only self-managed accounting software; Every's separately purchased bookkeeping service includes human bookkeeper and controller support.
• Non-US-resident applicants assuming international hiring coverage grants platform eligibility; the published terms impose a US-residency condition.
• Buyers expecting one fixed fee to include banking, payroll, books, taxes and investments; the modules and advisory charges are separate.

Operational Overview

Pricing Structure

Banking: $0 account fee

• Thread Bank checking; no opening deposit or minimum balance required
• Business cards and banking workflows
• Deposit agreement states no account fees; separately contracted services have their own terms

Investment and Cash Management: Every Securities: Default 0.35% per year of account assets; negotiable

• Brochure gives a general annual wrap-fee range of 0.05%–0.75%
• Average daily asset value; prorated monthly in arrears
• No current investment minimum documented
• Fund expenses and certain third-party charges excluded
• Applies to the Every Securities agreement; Atomic-advised accounts have separate terms

HR, Payroll and Benefits: C-Corp: Starting at $25/user/month + $80/month base

• Rendered starting calculator: up to 3 states
• US payroll, HR and benefits workflows
• US 1099 contractors: additional $25/user/month; international contractors: $40/user/month
• 401(k): partner pricing; international EOR: quote varies by region and salary

HR, Payroll and Benefits: LLC: Starting at $8/user/month + $60/month base

• Rendered starting calculator: up to 1 state
• Starting package excludes timesheets and PTO
• Funded Every Checking Account required for payroll

Bookkeeping: Starting at $330/month

• New companies spending less than $20,000/month
• Starting price requires only one bank account, in Every
• Dedicated bookkeeper, accrual accounting and financial statements
• Optional revenue recognition: public add-on price unconfirmed

Corporate Taxes: Starting at $1,500/year

• Federal and one state; annual spend up to $250,000
• Extra states: $500/state/year
• Foreign subsidiaries: $3,000/subsidiary; foreign shareholders: $500/shareholder; cadence unspecified
• R&D credit service: 15% of assessed credit; 1099 filings: $150 base + $10/filing

Alternative Consideration

Consider switching to Gusto: Gusto offers similar payroll and HR services but lacks the AI-driven compliance features of Every.

Frequently Asked Questions

How does Every compare with Mercury for a startup finance stack?

Every combines banking and spending with separately purchased payroll, managed bookkeeping, corporate taxes and incorporation workflows. Mercury documents banking, cards, bill payments and connections to accounting tools such as QuickBooks, Xero and NetSuite. Compare the specific services you will purchase and the accountant you will retain; a banking account is not equivalent to a complete managed back office.

What conditions apply to Every's free incorporation offer?

Every offers Delaware C-corporation formation, EIN retrieval and founder-document workflows. Its pricing page describes a promotional offer activated during signup in exchange for spreading the word about Every. That statement does not establish free ongoing bookkeeping, corporate tax preparation or government obligations, so confirm the activation requirements and continuing services before proceeding.

Can Every work alongside QuickBooks instead of replacing it?

Yes, Every documents expense categorization and QuickBooks synchronization. Its May 2026 release describes assigning vendors, categories and classes to card transactions, with review and sync on the Expenses page. This establishes the documented expense workflow, not a complete two-way connection for every payroll, tax and bookkeeping object.

Does Every's AI bookkeeping replace a human bookkeeper?

Every's paid bookkeeping service includes a dedicated bookkeeper and controller alongside AI-assisted categorization and accrual accounting. That managed service differs from purchasing accounting software and doing all bookkeeping yourself. Confirm which review, cleanup and revenue-recognition tasks your engagement includes rather than assuming every accounting task is automated or bundled.

Can Every run payroll directly from my existing external bank account?

Every's published payroll terms require an Every Checking Account with enough funds to cover the payroll amount. They authorize payroll debits from that account, while external account connections support other banking and data workflows. Connecting an existing bank does not establish that it can replace the required Every payroll funding account.

Are Every's money market funds covered by FDIC insurance?

Every's disclaimers say money market funds and Treasury bills are not covered by FDIC deposit insurance; eligible bank and sweep deposits have separate coverage conditions. Its investment page nevertheless displays a $500K FDIC insurance label within the Vanguard money-market-fund card, creating conflicting public wording. Obtain product-specific coverage documentation before treating fund holdings as insured deposits.

Can a non-US-resident founder use Every after forming a US company?

Every's platform terms require the individual applicant to be a legal US resident, and the linked deposit agreement requires a US-incorporated business. Forming a US entity does not by itself satisfy the individual residency condition. International contractor and employer-of-record services concern hiring coverage and do not establish eligibility for a nonresident platform applicant.

Can an already-incorporated company switch to Every?

Yes, Every's pricing FAQ says existing companies can switch with onboarding assistance. Define which banking, payroll, bookkeeping and tax services will move, along with the records and outstanding filings required for each. The reviewed material does not establish complete automatic migration of every object or a guaranteed completion date for your company.

What records should I obtain before leaving Every?

Every documents checking and treasury statement downloads through Docs and Settings. A complete export procedure for all payroll and bookkeeping data was not established from the reviewed documentation, and termination can end platform access. Obtain the records you need and confirm formats and payroll final-filing elections before closing the account; personal-data deletion requests are a separate process with exceptions.

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