The amounts on your receipts and invoices, VAT included, fill the Finance dashboard, all the way to the FEC export for your accountant.
betaPro21-second film, no voice-over. Fictional example.
Changed IBAN ProAn invoice just like the previous ones, except for the IBAN. Clivio compares it with the one it knows for that supplier and warns you before you pay. 0:21
Payment reminders ProThe reminder for an unpaid invoice is drafted from the invoice, in a tone that follows how late it is. Nothing goes out until you have read it. 0:21
From the invoice you receive to the expense you approve
Every invoice or receipt that Clivio reads shows up in Finance as an entry to approve, already filled in from the document. You choose the category and confirm.
- 01The document arrives
It might come by email, as a photo taken with your phone or as a PDF you drag into Clivio. Either way it’s read as soon as it lands, like any other document.
- 02The entry fills itself in
The amount, the vendor and the date are taken from the document. The category is yours to choose.
- 03You approve
Approve one entry at a time, or a whole selection at once. The transaction it creates keeps its link to the document.
ÉLECTRO MORIN
#0614 · Oct 7, 2026 · 4:42 PM
Extension cord, 5 m24.90
Surge protector strip39.00
LED bulbs x426.00
TOTAL€89.90
incl. VAT 20%14.98
Thank you for your visit
Separate profiles for home and business
Two profiles keep your household spending apart from your business expenses. If your business charges VAT, a Tax & VAT section appears in the Business profile.
Personal
The rent and the washing machine repair go here, each with its rent receipt or invoice right next to it.
Business
This is where your vendors’ invoices live. On each one, the amount before tax, the VAT with its rate and the total are picked up for you.
| Vendor | Net | VAT | Total |
|---|---|---|---|
| Imprimerie du Canal | 1,040.00 | 208.00 | 1,248.00 |
| Lumen Hébergement | 24.00 | 4.80 | 28.80 |
| Électro Morin | 74.92 | 14.98 | 89.90 |
| October, in euros | 1,138.92 | 227.78 | 1,366.70 |
VAT picked up on 3 invoices · 20% rate
Where your spending stands this month
Budgets
Set a limit for each category and see where you stand before the month is over.
Recurring transactions
Keep an eye on what comes back every month or every year.
Bank statements
Import the statement you download from your bank.
Dashboard
You see at a glance what has been approved this month, what is still waiting and how your budgets are doing.
Your payslips, if you want them there
When Clivio recognizes a payslip, it picks up the net pay, the period and the employer, and a banner offers to add it to Finance. If you dismiss it, the payslip stays filed with your other documents.
Your accountant keeps the books. Clivio gets the paperwork ready.
Your documents are filed, the amounts are picked up and every transaction is tied to its receipt. What’s left is handing it all over to your accountant in a form they can work with.
CSV and FEC exports
Export your transactions as CSV for any spreadsheet, or as FEC, the standard accounting-entries file that accountants and tax authorities use in France.
The Accountant portal
Once you invite your accountant, they can look through your receipts in read-only mode, so they don’t have to ask you for each one.
Which vendors already send you e-invoices?
Since September 1, 2026, every VAT-registered business in France has to be able to receive electronic invoices. The 2026 Reform table in Finance › Invoices shows, vendor by vendor, how many of their invoices already arrive as Factur-X, the French e-invoice format.
If your business isn’t in France, you can skip this part. Clivio isn’t a certified e-invoicing platform. It files what your platform and your other channels send you. Read a Factur-X invoice for free
| Vendor | Received | As Factur-X | Share |
|---|---|---|---|
| Lumen Hébergement | 10 | 10 | |
| Imprimerie du Canal | 6 | 4 | |
| Électro Morin | 5 | 1 | |
| Menuiserie Arnaud | 3 | 0 | |
| Assurances Lemoine | 2 | 0 |
Invoices received since Jan 1, 2026Fictional example
This table is there to help you get organized and doesn’t measure your compliance. It shows which vendors to keep an eye on during the transition.
About Finance
Is Finance included in the Free plan?
No. Finance is part of Pro, at €14.90/month or €149/year. The Pro trial lasts 7 days. We ask for a payment method, but nothing is charged during the trial.
Why is Finance labeled beta?
Because it’s still evolving. Excel and PDF exports, for example, are coming soon; for now, you can export CSV and FEC. If something is missing or looks wrong, write to us at contact@clivio.app.
Who chooses the category of an expense?
You do. The entry arrives with the amount, the vendor and the date already filled in, plus a default category. You pick the right one before approving.
Does Clivio replace my accounting software?
No. Clivio files your documents and links each transaction to its receipt. You then export CSV or FEC for your accountant, who keeps the books in their own software.
What does my accountant see in the Accountant portal?
Your receipts, once you’ve invited them. They can view them but can’t change anything.
Can I import my bank statements?
Yes, as CSV, OFX, QFX or QIF files, the way your bank lets you download them.
Is Clivio a certified e-invoicing platform?
No. Clivio doesn’t issue invoices and doesn’t send anything to the French tax authorities. It files what your platform and your other channels send you, and reads Factur-X invoices straight from the data embedded in the file.
Read next
Approve your expenses instead of typing them in.
Create your account for free. When you want Finance, switch to Pro. The trial lasts 7 days and nothing is charged during that time.