ميزانmizan — the scales · 111 sample entries · 5 closed periods
Books that balance themselves.
AI-native bookkeeping for Gulf SMBs. Invoices in, VAT-ready books out — and a human approves every entry before it posts.
Upload a supplier invoice or a receipt photo. AMNA Finance OS reads it, proposes the entry with the right account code, and queues it for a one-click approval. The ledger below is the actual product, running on a fictional Dubai trading company.
No card · Full product · AMNA Finance OS · part of the AMNA Business Suite
Dune Palm Trading LLC
Ledger · 2026-10
Revenue MTD
AED 26,500
Net MTD
AED 13,285
Overdue AR
AED 53,750
| Date | Party | Code | Amount |
|---|---|---|---|
| 10-10 | Meta Ads | EXP-MKT-ADS | −AED 2,500 |
| 10-08 | Shopify | EXP-SAAS | −AED 420 |
| 10-06 | du Business | EXP-TELECOM | −AED 480 |
| 10-03 | Al Noor Interiors LLC | REV-RETAINER | +AED 26,500 |
| 10-02 | Google Workspace | EXP-SAAS | −AED 315 |
| 10-01 | Al Quoz Industrial Leasing | EXP-RENT | −AED 9,500 |
| 09-28 | Mashreq Bank | EXP-BANK | −AED 145 |
Every entry above was proposed by AI and approved by a human.
The midnight-bookkeeping problem
The era of Excel at midnight is over. The FTA ended it.
For years, a UAE SMB could run on a bank app and a spreadsheet. VAT changed that in 2018; the 9% corporate tax era finished the job. Today a mainland LLC or free-zone company must keep real books — records an auditor or the Federal Tax Authority can walk through — or pay penalties for not having them.
What actually happens: the founder does the books at midnight, quarter-end is a shoebox of invoices, and the accountant gets a WhatsApp full of screenshots three days before the VAT deadline.
AMNA Finance OS is built for exactly that company: the entries post themselves during the month, a human approves them in minutes, and the VAT view is always current — so quarter-end is a review, not an excavation.
Regulatory context in plain words — not tax advice. Confirm specifics with a licensed tax agent.
How it works
Inbox → posted entries → VAT return.
Step 1 · Drop it in
Upload the PDF or photo. AMNA Finance OS reads the vendor, amount and dates.
brightway-invoice-BW-8841.pdf
vendor: Brightway Electronics Co.
invoice: BW-8841
amount: AED 14,200.00
confidence: 92%
Step 2 · Approve the entry
The proposed posting waits in a review queue. Nothing enters the ledger silently — the ledger is append-only and every change is audited.
Proposed posting
DR COGS-CONTRACT · AED 14,200.00
due 2026-11-01 · payable created
Step 3 · Quarter-end is a review
The VAT view mirrors the FTA return format, always current, exportable as CSV for your tax agent.
Rolling quarter, sample books.
Multi-entity
One group, one login — every entity's books.
Gulf businesses rarely stay one company: a mainland LLC here, a free-zone FZ-LLC there, each with its own TRN and its own books. In AMNA Finance OS, entities live under one account — switch between them in one click, invite your accountant once. Unlimited entities is the headline of the Growth plan.
Dune Palm Trading LLC
Mainland LLC · Dubai · TRN 100312345600003
Revenue · 2026-10
AED 26,500
Net
AED 13,285
Dune Palm Events FZ-LLC
Free zone FZ-LLC · TRN 100398765400003
Revenue · 2026-10
AED 0
Net
AED -4,410
The proof is the product
Computed from the demo datasetSix months of books that actually add up.
No screenshots, no mockups. The table below is rendered by the same code, from the same dataset, as the product's own reports — 111 ledger entries across two entities. Open the demo and check any number.
Dune Palm Trading LLC — P&L by month
| Month | Revenue | COGS | Opex | VAT | Net |
|---|---|---|---|---|---|
| 2026-05 | AED 64,500 | AED 14,200 | AED 38,600 | AED 4,533 | AED 7,167 |
| 2026-06 | AED 42,250 | AED 0 | AED 38,600 | AED 2,711 | AED 939 |
| 2026-07 | AED 64,500 | AED 14,200 | AED 38,600 | AED 4,533 | AED 7,167 |
| 2026-08 | AED 42,250 | AED 0 | AED 38,600 | AED 2,711 | AED 939 |
| 2026-09 | AED 64,500 | AED 14,200 | AED 38,600 | AED 4,533 | AED 7,167 |
| 2026-10 | AED 26,500 | AED 0 | AED 13,215 | AED 0 | AED 13,285 |
The current month is partial — the books fill as the month runs, exactly like yours would.
Receivables aging
Gulf Horizon Real Estate
INV-041 · due 2026-09-02
AED 38,000
38d overdueMarina Hardware Trading
INV-046 · due 2026-09-28
AED 15,750
12d overdueAl Noor Interiors LLC
INV-052 · due 2026-10-28
AED 26,500
2 overdue invoices, AED 53,750 at risk — shown, not hidden. Real books have overdue invoices; so does the demo.
VAT position
Rolling quarter · 2026-08 → 2026-10
Pricing
One price per OS. No seat maths until you grow.
Starter
$49/mo
or $490/yr (2 months free) · AED 179/mo billed in AED
Real books for one company — invoices in, VAT-ready books out.
3 seats included
Growth
$99/mo
or $990/yr (2 months free) · AED 349/mo billed in AED
Every entity in your group, one set of books, one login.
10 seats included
AMNA One
$119/mo
or $1190/yr · AED 439/mo · saves 19% vs three starters
Every AMNA product — Finance, Marketing and Deals OS — at Starter level, under one account.
5 seats · all three products
The AMNA Business Suite
Runs alone. Better together.
AMNA Finance OS is a complete product on its own. It is also one of three operating systems that share a single account, a single seat pool and a single bill — so the person who keeps your books can also see your pipeline and your campaigns.
AMNA Finance OS
ميزانFinance OS
Books that balance themselves.
You are here
AMNA Marketing OS
منارةMarketing OS
Every lead, lit up.
AMNA Deals OS
صفقةDeals OS
From first hello to signed deal.
AMNA One: all three at Starter level for $119/mo — 19% less than three Starters, so the third OS costs $21 instead of $49 — see bundle pricing.
Trading is different — Ishara, the fourth OS, is priced separately.
Straight answers
Before you ask.
Does the AI post entries by itself?+
No. The AI reads documents and proposes entries with a confidence score. A human approves every posting — that is a design rule, not a settings toggle. The ledger is append-only and every change is written to an audit log.
Can my accountant use it?+
Yes — invite them as a seat on your account (Starter includes 3 seats). They see the same books, the review queue, and the VAT export. Most accountants prefer this to a WhatsApp folder of screenshots.
Does Finance OS file my VAT or corporate tax return?+
No. Finance OS keeps the books and prepares the numbers in the FTA return format, with CSV export. Filing is done by you or your registered tax agent on the FTA portal. Finance OS is software, not a tax advisor.
Is my data isolated from other customers?+
Yes — every row in the database carries your account id, and Postgres row-level security enforces the boundary at the database layer, not just in application code. Your team can only ever read rows belonging to accounts you are a member of.
Can I migrate from QuickBooks, Xero or Excel?+
Start by importing transactions via CSV and uploading open invoices as documents. A guided migration for QuickBooks and Xero exports is on the roadmap; Excel books usually move over in an afternoon.
What happens to my books if I cancel?+
They stay yours. Export everything to CSV any time — including after cancellation, when your books remain exportable for 90 days before archival (deletion on request). Cancelling is two clicks in Account → Manage billing; there is no retention call.
ميزان
Weigh it yourself.
The trial is the whole product on your own books — no card, no sales call. If it earns a place in your Sunday, keep it.