Reconciles bank feeds and verifies milestones
Reconciles bank feeds in real time and verifies contract milestones before firing off invoices — so you bill the right amount at the right time, every time.
Proactive Cash Flow Intelligence.
Automatic Debt Recovery.
Nudger is your automated CFO. It reconciles bank feeds, audits milestone contracts, forecasts tax liabilities, and manages your receivables pipeline automatically — so you never have to choose between doing client work and chasing unpaid invoices.
Free plan, one connected client account, no card details.
Tone ladder
Friendly nudge
Second reminder
Firm reminder
Final notice
Fromaccounts@haldenjoinery.com.au
Topayables@brightonfitout.com.au
SubjectInvoice INV-2041 is 14 days overdue
Hi Danielle,
Invoice INV-2041 for $4,180.00 was due on 21 July and is now 14 days overdue. We've sent two reminders and haven't heard back, so I wanted to raise it with you directly.
Could you confirm today when payment will be made? If there's something wrong with the invoice, tell me what it is and I'll sort it out.
Thanks,
Marcus — Halden Joinery
Sends 14 days after due date
Cancels itself if paid
Highlighted values are merge fields. Illustration — not a real customer.
Nudger acts as your automated CFO — verifying milestones, tracking tax liabilities, and streamlining cash flow before invoices ever get late. Made for Australian sole traders and small teams.
Bank feed reconciliation, contract milestone tracking, and tax forecasting run in the background. Stripe invoice sync is live today; Xero and QuickBooks connect over standard OAuth — both built end to end and currently in testing. Reminders leave through your own mail server, or as signed webhooks into your own system.
The real strength
An automated CFO that runs your whole financial life.
Not just payment chasing — Nudger reconciles, forecasts, parses, and communicates, all under one roof. The bookkeeping brain works in the background so you aren't hit with unexpected bills or late invoices.
Forecasts tax liabilities and tracks profitability
Forecasts tax liabilities and tracks profitability in the background, so you aren't hit with unexpected bills. Bracket-aware savings recommendations keep more of your money working for you.
Ingests contracts and maps progress billing
Ingests project contracts and seamlessly maps out progress billing without manual setup. Milestone labels — Foundation, Frame, Lock-up — and payment schedules land on a calendar automatically.
Customizable agent temperaments
Customizable agent temperaments handle client inquiries politely while maintaining business relationships — Concierge, Firm Professional, or Assertive — in your saved brand voice.
The safety net
Never let an invoice slip through the cracks.
When you get too busy to manually track who paid what, Nudger steps in. The automated nudging engine takes over — politely escalating and recovering late payments without you lifting a finger.
A graded sequence that ages with the debt
Four reminders open friendly and get firmer as the debt ages — Concierge to Assertive — then stop the moment the invoice is marked paid.
No per-send approval screen
Once an invoice goes past due, reminders go out automatically on schedule. That's the point — the rails you set beforehand are the controls, not a queue of send-buttons.
Cancels every queued nudge
When an invoice is marked paid, every reminder still queued against it is cancelled in the same operation. A crash or retry still can't produce a duplicate.
You stay in control
It sends on its own. Here is everything that stops it.
Once an invoice goes past due, reminders go out automatically. There's no per-send approval screen — that's the point. The controls are the rails you set before anything is overdue.
Pause one invoice, or a whole client
A disputed job goes on hold on its own. A client you'd rather ring yourself goes on hold entirely. The scan skips both, no matter how overdue they get.
Never chase small change
Set a floor per client account and anything below it is filtered out before a reminder is written.
Your ledger is yours alone
Every management route goes through a single workspace-scoped layer. Sign-in uses server-side, revocable sessions in a cookie your browser's JavaScript can't read.
What it won't do
It won't hold each reminder for your approval. It won't read your mailbox. It won't collect a debt or give legal advice. One sign-in per workspace, no roles, no audit log. Google SSO is optional when the operator wires credentials.
If a client pays by bank transfer and you haven't reconciled it yet, Nudger doesn't know the money arrived. Mark the invoice paid, or pause it. Closing that gap by forwarding remittance advice is built but not switched on — and a person will always approve it.
What you get
The unglamorous guarantees that make it safe to automate.
It stops the second you're paid
When an invoice is marked paid, every reminder still queued against it is cancelled in the same operation.
It can't send the same nudge twice
One step fires once per invoice, enforced by a database constraint. A crash or a retry still can't produce a duplicate.
Reminders come from your address
You supply your own mail server and from-address, so replies land in your inbox.
Or skip email entirely
Nudger can post a signed JSON payload instead — HMAC-SHA256, a secret per account — and retries with backoff.
You learn who actually pays
Every customer gets a private rating from your own history. Not a credit file, and it never leaves your workspace.
Inbox for forwarded mail
A forward-to address can catch invoices and remittances. Remittances always land in a review queue — a human approves before anything is marked paid.
Also in the box
Built, not switched on yet
Written and tested in the product. None of it is running for customers today.
Pricing
Three plans. One of them you can use today.
Free is live now. Starter and Pro are the structure we're building to. Sign up and you land on Free.
Free
Available now$0
Get started
Starter
Planned$29/mo
Start on Free
Pro
Planned$99/mo
Start on Free
Paid plans aren't purchasable yet. Sign-up works today and lands you on Free. Currency, GST treatment and billing cycle aren't settled. When one connected account isn't enough, email hello@nudger.com.au rather than a checkout that doesn't finish.
Straight answers
The questions you'd ask before you'd trust it.
Will it fire off something rude at a client I like?
No. The first step is a friendly note, and you write it yourself. You can hold a single invoice, hold an entire client, and set a minimum amount so small balances are never chased.
Do I get to approve each reminder before it goes out?
No. Once an invoice is past due, reminders send on schedule. You control timing, wording, the minimum amount, and two pause switches.
What if they've already paid?
If payment comes through a connected provider, the invoice flips to paid and queued reminders are cancelled.
A bank transfer you haven't reconciled is something Nudger can't see — mark the invoice paid or pause it. Forwarding remittances is built and isn't running yet.
Whose email address do the reminders come from?
Yours. You supply your own mail server and from-address. There's a test-send button to prove the credentials work.
Can another business see my invoices?
No. Workspaces are isolated through a scoped data layer. Customer ratings are calculated only from your own history.
Is connecting Xero or QuickBooks safe?
Standard OAuth with rotating refresh tokens. Both integrations are code-complete but haven't yet been run against a live Xero or QuickBooks app. Stripe is the connection that's live today.
Do you need access to my inbox?
No. Nothing reads your mailbox. A forward-an-invoice address only ever sees mail you deliberately send to it, and it isn't running for customers yet.
Is this Australian? Can it help me recover a debt here?
Company details it collects are Australian (ABN, bookkeeper, owner). Nudger is a reminder service, not a debt collector. Recovery documents inside the product are built around United States jurisdictions and are not suitable here.
What does it cost?
You can sign up today on the free plan with one connected client account. You can't buy a paid plan yet — checkout isn't finished.
Let the bookkeeper run. Get on with the work.
Create a free workspace, connect one client and watch Nudger reconcile feeds, audit milestones, and stand ready to nudge — all before an invoice ever goes late.