Every is an AI-native all-in-one back-office platform for startups. It combines incorporation, business banking, payroll and benefits, bookkeeping, and tax into a single dashboard so founders don't have to stitch together separate vendors. It's a YC-backed fintech (banking provided by Thread Bank, Member FDIC), not a bank itself.

For an early-stage US C-corp that wants one vendor for banking, payroll, and books, yes. The free incorporation and free banking alone make it worth a look. It's less compelling if you only need one service or run a non-US entity, where specialist tools may serve you better.

Does Every offer a free plan?

Yes. Delaware C-corp incorporation, business banking, and treasury (cash management) are all free, with no minimum balance. You only pay once you add payroll, bookkeeping, or tax services.

Every Review 2026: 7.3/10, Free to Start

Q: How much does Every cost?

Incorporation, banking, and treasury are free. Payroll and HR start at $25/month per employee plus a base fee, bookkeeping starts at $330/month, and tax services start at $1,500/year. You only pay for the paid modules you actually use.

Q: What are the best Every alternatives?

Mercury for pure startup banking, Pilot for outsourced bookkeeping and tax, and Gusto for payroll and benefits. Each is more mature in its niche, but none bundles incorporation, banking, payroll, and books in one place the way Every does.

Q: Who is Every best for?

Early-stage US startup founders, especially YC-style Delaware C-corps, who want to run incorporation, banking, payroll, and bookkeeping from one platform instead of juggling multiple vendors.

TLDR

Every is an AI-native all-in-one back-office platform that bundles incorporation, banking, payroll, bookkeeping, and tax for startups. Verdict: a genuinely useful one-vendor stack for early-stage US C-corps. Best for: founders who want fewer logins. Price: free incorporation and banking; paid modules from $25/mo. Rating: 7.3/10.

What is Every?

Every is a financial operating system for startups. Instead of opening a bank at one provider, running payroll at another, and paying a separate firm for books and taxes, you do all of it inside one dashboard: form your Delaware C-corp, open an FDIC-insured account, run payroll and benefits, get a dedicated bookkeeper, and file taxes. Banking is provided by Thread Bank (Member FDIC); Every itself is the software layer on top.

The company was founded in 2021 by Rajeev Behera in San Francisco, is backed by Y Combinator and Redpoint, and has raised around $32 million. In March 2026 it leaned hard into AI, launching back-office “agents” that automate categorization, compliance, and operational tasks. The pitch is simple: the time founders waste wiring up five separate vendors is time not spent building, and Every wants to collapse that into one signup.

What Are Every’s Key Features?

Free incorporation and banking

Every forms a Delaware C-corp for $0, handles the legal documents, and automates the 83(b) election filing that founders so often forget. The banking layer is also free: no minimum balance, free ACH, $10 international wires, up to 3% cashback on the debit card, and FDIC coverage up to $3 million through a sweep network.

Payroll, benefits, and HR

Payroll runs across all 50 states and covers W-2 employees plus 1099 and international contractors, with health, dental, vision, and 401(k) benefits administration layered on top. State tax registrations are handled for you, which removes one of the more annoying chores of hiring your first out-of-state employee.

Bookkeeping with a dedicated human

Rather than a pure DIY tool, Every assigns a dedicated bookkeeper and controller, runs accrual-basis accounting, and delivers monthly financial statements. AI enriches transaction categorization, but a person owns the close, which is what investors and auditors actually want to see.

Treasury and tax

Idle cash can earn up to roughly 4.3% APR through US Treasuries and money-market sweeps at no extra fee. On the tax side, Every handles federal and state filings, Delaware franchise tax, 1099s, and R&D tax credits, which can claw back real money for early R&D-heavy startups.

How Much Does Every Cost?

The headline is that incorporation, banking, and treasury are free, with no minimum balance. You only start paying when you add operational services: payroll and HR from $25/month per employee (plus an approximately $50/month base), bookkeeping from $330/month, and taxes from $1,500/year, with extras like $500/state and $2,500 per foreign subsidiary.

Compared to assembling the pieces separately, that can be competitive. Mercury banking is also free but stops at banking; Gusto payroll runs roughly $40/month base plus $6 per person; and outsourced bookkeeping from Pilot typically starts north of $500/month. Every’s value is in the bundle, but note that running the full paid stack still lands well into the thousands per year.

Plan	Price	Plan Features	Best For
Incorporation	Free	One-time Delaware C-corp formation, legal docs, automated 83(b) filings, no hidden fees	New founders incorporating a startup
Banking & Treasury	Free	Thread Bank account, up to $3M FDIC via sweep, debit cards, free ACH, up to 3% cashback, up to ~4.3% APR on Treasuries	Startups that want a free business bank with yield
Payroll & HR	From $25/mo per employee	Plus ~$50/mo base; payroll in 50 states, contractor pay ($25-$40/user), benefits and 401k	Teams running payroll and benefits
Bookkeeping	From $330/mo	Dedicated bookkeeper, accrual accounting, monthly statements; scales with monthly spend	Funded startups needing real books
Taxes	From $1,500/yr	Federal and state filings, R&D credits, Delaware franchise tax; +$500/state, +$2,500/foreign subsidiary	Startups needing annual tax prep and credits

Who Is Every Best For?

Use Every if you’re an early-stage US founder, especially a YC-style Delaware C-corp, who wants one vendor for incorporation, banking, payroll, and books. The free incorporation and banking alone make it worth opening an account, and consolidating the rest as you grow is a real time saver.

Skip Every if you run an LLC, sole proprietorship, or a non-US entity, since the platform is built around the C-corp model. Also skip it if you only need one service and already have a setup you like, because best-in-class point tools will out-feature any all-in-one in their own lane.

What Are the Best Every Alternatives?

Mercury

The default startup bank. Mercury offers free business banking with a polished product and broad integrations, and it’s more mature than Every’s banking layer. But it’s banking-first, so you’ll still need separate payroll, bookkeeping, and tax vendors.

Pilot

The go-to for outsourced startup bookkeeping and tax, with strong CFO-grade reporting. Pilot is more established for finance specifically, but typically starts higher (often $500+/month) and doesn’t give you banking or payroll.

Gusto

The leading SMB payroll and benefits platform, around $40/month base plus about $6 per person. Gusto is deeper on HR and payroll than Every, but it’s a single-purpose tool, so you’d pair it with a separate bank and bookkeeper.

Final Verdict: Is Every Worth It?

Every is one of the more compelling all-in-one back-office plays for startups, and the fact that incorporation, banking, and treasury are genuinely free removes most of the risk in trying it. For a new Delaware C-corp, it’s an easy recommendation: incorporate, bank, and grow into payroll and bookkeeping without ever switching platforms.

The caveats are real. The paid bookkeeping and tax tiers add up quickly, the platform is younger and narrower than entrenched specialists, and it only makes sense for US C-corps. If that describes you and you value one login over best-in-class depth, Every is worth it. If you’re an LLC, international, or only need one service, look at Mercury, Pilot, or Gusto instead.

What We Like

What Could Be Better