AI agents for small businesses of one to ten people
A business of one to ten people usually has no assistant, bookkeeper or marketer, so the owner does all three, often after hours. Monmo lets you take those on as AI agents: one runs the inbox and calendar, one keeps the books ready, one plans the marketing. Each has its own computer and the apps you choose, and asks before it sends, pays or posts.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
The team to take on first
AI executive assistant
The inbox and the calendar take the owner's first hour of every day, so this is the natural first job to hand over.
See the roleAI bookkeeper
Receipts, invoices and bank lines pile up until tax time, and keeping them matched each week is steady work with clear rules.
See the roleAI marketing agent
Marketing stops whenever the business is busy, and a plan with posts prepared in advance keeps it going.
See the role
Jobs they take off your plate
Run the inbox
Each weekday at 7:30 it sorts new mail, tells you which messages need you and drafts replies to the rest in your words. You approve the drafts before they are sent.
Keep the calendar
It drafts answers to meeting requests with times that suit you, spots clashes and gives you a one-page brief before each appointment. Invitations and changes to the calendar ask first.
Chase unpaid invoices
Every Monday it lists the invoices past their due date in Xero or QuickBooks and drafts a polite reminder to each customer. One card covers them all, and you can edit any of them.
Keep the books ready
It matches bank lines to invoices and receipts, proposes how to code them and lists what it cannot place. You approve before the ledger changes, and your accountant still signs off the year.
Plan and prepare the marketing
From what you sell and who buys it, it writes a simple monthly plan and prepares the posts, the newsletter and the graphics. You approve whatever is published.
Tell you how the week went
On Friday afternoon you get one page: money in and out, invoices still unpaid, enquiries received and what each agent finished, with the three things to decide next week.
One working day
MorganSorted thirty-one emails. Three need you today, and replies to eight routine ones are drafted on one card for your approval.
RenTook the supplier invoice Morgan found in the inbox, checked it against the order and prepared the bill in Xero. It waits for your approval.
MikaDrafted next week's four posts and the monthly newsletter from the plan. The calendar is ready for you to read.
YumeFound three train options and a hotel near Thursday's trade fair, all within your budget. Nothing is booked until you choose.
RenThree invoices are more than fourteen days overdue. A reminder to each customer is drafted and waiting for you.
Questions people ask
What should a small business hand to an AI agent first?
Start with the job that takes your time every day and follows rules you can explain: usually the inbox and calendar, then the books, then marketing. Write the role in a few plain sentences, connect the one or two apps it needs and give it a single first task. Add a second agent once the first is doing useful work.
Do I need technical skills to use AI agents in my business?
No. You describe the job in plain words, as you would brief a new hire, by typing or by voice note. Connecting an app means signing in to your own account once and choosing which agents may use it. When the agent needs a decision it asks you, and you can work with it in English or Japanese.
How much do AI agents cost for a small business?
You can start on the Free plan, which is $0 and includes one agent. Plus costs $15 a month and allows up to 10 agents, with a more powerful computer, more usage and a team inbox. The work your agents do counts toward the plan's usage, so a busier team uses more of it.
Can I trust an AI agent with my email and my books?
You stay in control of what it can reach and what it can do. It uses only the apps you connect and choose for it. It reads without asking, but sending, paying, posting or changing a record shows a card first, and you allow or decline. You are still responsible for what you approve, so look closely at its first week of work.