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Every

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Every is an AI-native finance and HR platform for startups with free incorporation, banking, treasury, payroll, bookkeeping, and tax services.

Every

Startup finance and HR in one platform

Every is an AI-native finance and HR platform for startups that combines incorporation, banking, treasury, payroll, bookkeeping, and tax services in one system. Its website positions the product as a way for founders to launch and operate without stitching together separate tools and providers.

The source material emphasizes a fast startup setup path: Every says founders can incorporate a Delaware C-Corp, retrieve an EIN, and open a bank account in under a week. It also extends beyond formation into ongoing back-office workflows such as managing spend, investing idle cash, running payroll, and preparing books and taxes.

Core features

Delaware incorporation

Free Delaware C-Corp incorporation includes legal documents for startups, instant EIN retrieval, and automated 83(b) filing support.

Banking and cards

Banking and expense management include a business checking account, debit cards, bill pay, domestic and international transfers, reimbursements, and card controls.

Treasury and cash management

Investment and cash management lets startups place idle cash into U.S. Treasury bills or money market funds, with automated purchasing and liquidity management.

Payroll and HR

HR, payroll, and benefits support payroll across 50 U.S. states, international contractor payments, state tax registrations, and employee benefits.

Bookkeeping support

Bookkeeping includes a dedicated bookkeeper and controller, accrual-basis bookkeeping, transaction categorization, and monthly financial statements.

Tax preparation services

Tax services cover federal and state filings, corporate taxes, Delaware franchise tax, 1099 filings, and R&D tax credit support.

Common use cases

  • Launching a new startup

    Use Every to form a Delaware C-Corp, retrieve an EIN, and open a startup bank account as part of the initial setup process.

  • Running day-to-day company spending

    Use the banking, cards, bill pay, and reimbursement tools to manage operating expenses from a single dashboard.

  • Managing startup cash reserves

    Use treasury tools to move idle cash into U.S. Treasury bills or money market funds and automate liquidity management.

  • Paying employees and contractors

    Use payroll, contractor payments, benefits, and state tax registration support to handle ongoing people operations.

  • Closing the books each month

    Use dedicated bookkeeping support and monthly financial statements to keep investor-ready records for a high-growth company.

Pros and Cons

Pros

  • Combines incorporation, banking, payroll, bookkeeping, and taxes in one platform.
  • Offers free Delaware C-Corp incorporation with instant EIN retrieval.
  • Includes concrete startup finance workflows such as bill pay, cards, treasury management, and payroll support.
  • Provides dedicated bookkeeping support with monthly financial statements.
  • Shows clear startup-oriented pricing for several services, including free incorporation and per-employee HR pricing.

Cons

  • Pricing and exact service limits vary by product, and some details are only partially disclosed on the source pages.
  • Every is not itself a bank, so banking and deposit services depend on partner institutions and program terms.
  • Some page sections are high level, so deeper implementation details, integrations, and team-workflow specifics are not fully documented in the provided sources.

FAQ

What does Every do?

Every is built to help startups handle incorporation, banking, payroll, bookkeeping, and taxes in one platform. The source pages show support for Delaware C-Corp incorporation, a startup bank account, investment and cash management, HR/payroll, and bookkeeping.

How quickly can a company get set up?

The incorporation page says Every can incorporate a startup and open a bank account in under a week, with incorporation handled in 1 to 3 business days and instant EIN retrieval.

How does Every price its services?

The pricing page shows that incorporation is free, while banking, investment and cash management, and some other services are presented as products within the platform. HR/payroll starts at $25 per employee per month, bookkeeping starts at $330 per month, and tax prep starts at $1,500 per year.

Is Every itself a bank?

Every states that it is a financial technology company, not a bank. Banking services are provided by Thread Bank, Member FDIC, and investment services use an Every Securities LLC account at BNY Pershing.

Who is Every designed for?

The source pages emphasize startups, especially founders and high-growth startups. The bookkeeping page says the service works with high-growth startups, and the homepage positions the platform for founders who move fast.

Quick Facts

Category
AI-native finance and HR
Primary users
Founders and startups
Platform type
All-in-one back-office software and services
Source domain
every.io
Pricing signal
Free incorporation; paid HR, bookkeeping, and tax services
Banking provider
Thread Bank, Member FDIC