Toozi

Toozi is a text-based back office for self-employed people and small business owners, the freelancers, contractors, beauty pros, rideshare and real-estate folks, and one-person operations who are great at their actual work and dread everything that comes after it. Instead of logging into yet another dashboard or wrestling with spreadsheets and a shoebox of receipts, you just send a text message. Toozi's assistant, Reci, lives in your messages app at (844) 482-4881, and it turns the entire administrative side of running a business into a quick back-and-forth conversation you can have from your chair, your car, or while waiting in line for coffee. The idea is simple: handle the admin in the moment it happens, in plain English, and let it be done and off your plate. Text "logged 14 miles to a client meeting" and the mileage deduction is tracked at the current IRS rate. Text "got paid $500 from consulting" and the income is categorized for taxes. Text "spent $50 on supplies" and the expense is recorded and written off correctly. Ask "what do I owe in taxes?" and you get a real number based on your actual income, not a vague guess. Snap a photo of a receipt and it's read and filed automatically. There is nothing to learn, no app to open, and no special commands to memorize — you talk to Reci the way you'd text a sharp assistant who happens to understand tax law and bookkeeping. Behind that simple text thread, Toozi is really six specialists working as one. It manages invoicing and getting paid, day-to-day bookkeeping and transaction categorization, bills and budgeting, time tracking, compliance and recurring admin tasks, and sales tax. On the tax side it estimates your self-employment and income tax as the year unfolds, tells you how much to set aside, keeps you ahead of quarterly estimated payments, and captures the deductions solo owners routinely miss — mileage, home office, supplies, software, phone and internet, and more. Toozi is an IRS-authorized e-file provider, so the work you do all year actually feeds your return instead of becoming a frantic March scramble. It connects to the tools you already use. Secure bank connections through Plaid pull in your transactions and categorize them automatically, so your books stay current without manual entry. Payments and invoicing run on Stripe, including payment links and reminders that nudge clients who haven't paid. Sales and order data sync from Square, Shopify, and PayPal. If you run more than one hustle, Toozi keeps separate, clean books for each business under a single account — no extra fee per business, no juggling logins. Toozi is also proactive, not just reactive. It quietly watches the calendar and your numbers and texts you when it matters: a heads-up before a quarterly tax deadline, a reminder when a bill is due or a budget is running hot, a weekly summary of where your money went, and a year-end nudge if you've been driving for work but haven't tracked it. Because it answers in plain language and shows you a clear picture of your real numbers before you file, it removes the single scariest moment for most self-employed people — the surprise tax bill nobody warned them about. There's a companion web dashboard for anyone who wants to see everything in one place — income, expenses, tax estimates, invoices, time, and progress over the year — but the whole point is that you never have to open it to stay on top of things. The product is built around a light, habit-forming loop: small actions logged consistently, in the moment, add up to a business that's actually organized when it counts. Pricing is deliberately simple. One flat price of $49 a month includes everything — all six agents, tax estimates and set-aside tracking, invoicing, bookkeeping, bills, time, admin, and sales tax — across every business you run. There's a 14-day free trial with no credit card required, and you can start just by sending a text. It costs less than a bookkeeper charges for a single hour, with no tiers, add-ons, or per-business fees. Security is foundational. Data is protected with 256-bit AES encryption, bank connections use the same Plaid infrastructure trusted by apps like Venmo, card data is handled by Stripe at PCI Level 1 and never touches Toozi's servers, and the SMS channel is A2P 10DLC-registered and verified. Your information is never shared or sold. In short, Toozi is the back office that runs over text. It's for the person who would rather be cutting hair, shooting the job, driving the route, or closing the deal than reconciling a spreadsheet — someone who wants their invoicing, bookkeeping, deductions, and taxes handled in the background, in plain English, so tax season is a non-event and they always know where they stand. You text your business; Toozi keeps the books.