AI agents for Money Forward Cloud
A Monmo agent takes on the preparation work in Money Forward Cloud, the Japanese suite for accounting, expenses and invoicing. It checks expense claims against receipts, suggests accounts for uncoded bank and card lines, prepares invoices and builds the monthly report. Posting a journal entry or sending an invoice waits for your approval. Tax decisions and filings stay with you and your accountant.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Money Forward
Check expense claims against receipts
It opens each claim and compares the amount, date and payee with the receipt. It lists duplicate claims, hotel nights over your ¥12,000 limit and receipts with no invoice registration number. Approving or returning a claim stays with the approver.
AskCheck this week's expense claims against the receipts and list the duplicates and anything outside our expense policy.
Suggest accounts for uncoded lines
It reads bank and card lines with no journal entry and suggests an account, sub-account and tax category from your past entries. For a new payee, it first looks up what the business sells. Only entries you accept are posted.
AskSuggest an account and a tax category for each uncoded line. Mark the ones you are not sure about.
Ask about payments with no receipt
It finds card payments that have no receipt and drafts a message to the person who paid, such as “What was the ¥8,640 on 12 April for?” It is posted in Slack only after you have seen it.
AskFind last month's card payments that still have no receipt, group them by person and draft a message asking each one.
Prepare the monthly invoices
On the 25th it prepares this month's invoices from the deals marked as won in kintone and from last month's invoices, and flags any amount or addressee that changed. You check them, then allow it to create and send them.
AskOn the 25th of each month, prepare this month's invoices. Where the amount differs from last month, tell me why.
Build the monthly report
Once the month is closed it puts the trial balance into Excel, with sales, costs and profit beside last month and the same month last year. It names what is behind a rise, such as a subscription paid for twice.
AskBuild last month's report in Excel: change on the previous month, change on the same month last year, and the five accounts that moved most.
Find gaps before the month closes
Three business days before closing it lists uncoded lines, balances that differ from the bank statement, entries with the same date and amount, and items coded differently from last month. It suggests a fix for each; corrections wait for approval.
AskBefore we close the month, list the uncoded lines, the balances that are off and any entries that look like duplicates.
Answer questions about the books
Ask “What did we spend on advertising last month?” or “Why did contractor costs go up?” and it gathers the entries from the books and answers. Reading needs no approval, and the entries it relied on come with the answer.
AskHow much did we spend on advertising last month? Compare it with the same month last year and break down the increase.
How it connects
- 1You connect Money Forward Cloud with your own account. The agent can reach only the businesses and services that account is allowed to use.
- 2You decide which agents get it. Give it to the one agent that looks after finance, and the others cannot see the books.
- 3Reading entries and expense claims needs no approval. Posting or correcting a journal entry and creating or sending an invoice always ask first, and you can allow a batch on one card.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself. This sample shows a similar job in other tools; Money Forward is not on screen.
On screen
Xero
Gmail
Google Sheets
Pick a job. Watch it get done.
- Why
- Your weekday bookkeeping routine.
- Where
- Fieldwork in Xero · business account
- What to expect
- Marks 18 lines reconciled. The 2 odd lines are left for you, and no reminder is sent.
Your team. Connected to everything.
Cash and receivables — week 7+Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent process expense claims in Money Forward Cloud?
A Monmo agent can check expense claims and collect what is missing. It compares each claim in Money Forward Cloud with its receipt, lists mismatched amounts, duplicates and claims over your policy limits, and drafts a question to the employee when a receipt is missing. Whether to approve or return a claim is still decided by the approver.
Can I trust the accounts and tax categories an AI agent suggests?
Treat the accounts an AI agent suggests as proposals to check. A Monmo agent suggests an account and a tax category from your past entries and what it finds about the payee, gives its reason and marks the ones it is unsure of. Only the entries you allow are posted. Items with an unclear tax treatment are set aside as questions for your accountant.
Does an AI agent give tax advice or prepare tax returns?
No. Tax advice and tax returns are not a Monmo agent's job. The agent does the preparation: checking expenses, suggesting journal entries, preparing invoices and building the monthly report. It does not decide how tax applies or file anything. Its work ends with a tidy set of documents and a list of questions for your tax accountant (zeirishi).
Does it work with Money Forward Cloud accounting, expenses and invoicing?
A Monmo agent works with the Money Forward Cloud services your connected account can use, and one agent can work across accounting, expenses and invoices. Where the connection does not cover a step, the agent uses Money Forward Cloud in its own browser. Even then it asks before it posts an entry or sends anything.