Daily
Reconciliation agent
Matches every bank, card and processor transaction to the ledger and explains the ones that don't match.
Human checkpoint: exceptions over $5k go to your controller.
NewThe full finance chain, 15 services, one team
Finance, from first close to final exit.
AiCFO is the AI-first finance team for growing companies. We run the whole finance chain: books, planning, board and investor reporting, state and local tax, capital raises, and buy-side and sell-side deals. Agents do the hours. A senior CFO owns every judgment and signs every number.
- Read-only by default
- CFO sign-off every month
- Live in three weeks
October overviewClose in progress · business day 4 of 5
Agents runningOct 2026
Cash
$4.82M
−$186k MoM
Runway
26 mo
+2 mo vs plan
ARR
$17.1M
+4.2% MoM
Gross margin
68.4%
−3.1 pts
Revenue, actual and forecast
ActualForecast
Agent activity
Live- Reconciliation agent matched 312 Chase transactions06:12 · 0 exceptions
- Revenue agent recognised $1.42M across 214 contracts06:40 · ASC 606
- CTController approved cloud accrual of $63,41009:40 · variance 1.8%
- AP agent flagged duplicate invoice from Datadog10:05 · $8,920 held
14/18 tasks
Variance note
Gross margin fell 3.1 pts. 82% of the drop is cloud hosting on the analytics cluster, up $41.2k. Reserved capacity would save about $22k/mo.
✓ Signed by your CFOBoard pack
Cash alert
Week 9 dips to $1.9M after the annual insurance renewal. Still above your $1.5M floor.
Illustrative company and data
Plugs into the systems your company already runs on
QuickBooksXeroNetSuiteSage IntacctStripeRampBrexMercuryGustoRipplingDeelHubSpotSalesforceBill.com
5days
To close your books, every month, with a CFO sign-off.
18months
Of rolling, driver-based forecast tied to your actuals.
13weeks
Of cash forecast, refreshed daily from your bank feeds.
1CFO
Named and accountable for your numbers. Not a ticket queue.
The problem
Most growing companies run a month behind their own numbers.
You've outgrown a bookkeeper, but a CFO, a controller and an FP&A analyst are hard to justify yet. Decisions about hiring, pricing and fundraising get made in that gap, on stale data.
What you need
Typical today
With AiCFO
Month-end close
15 to 25 days, if it closes at all
5 business days, every month
Forecast
A spreadsheet rebuilt before each raise
Driver-based, 18 months, refreshed weekly
Cash visibility
Bank balance and gut feel
13-week forecast with floor alerts
Board and investor reporting
A week of the founder's time each quarter
Drafted the day the books close
Spend control
Renewals discovered on the invoice
Every vendor tracked, creep flagged early
Senior judgment
Two senior hires you can't justify yet
A CFO on every close, for a fixed fee
The finance chain
Fifteen links. One team. No gaps.
Most companies stitch finance together from a bookkeeper, a spreadsheet, a fractional CFO and a banker. Every handoff loses context. AiCFO runs the whole chain, so the numbers in your board deck are the numbers in your data room. Pick any link to see who does what.
Diagnose and build
Finance review
A CFO-grade diagnostic of your books, cash, controls and reporting.
What agents do
- Scan every ledger account, reconciliation and journal for gaps
- Rebuild a 13-week cash view from bank and AR/AP data
- Benchmark KPIs against companies at your stage
CFWhat your CFO team does
- Interviews you and your team on how money really moves
- Ranks the top risks and the fixes that matter
- Walks you through the findings live
What you get
- Written finance health report
- 13-week cash position
- Top-risk register with fixes
The platform
One finance function. Every job done, every month.
Agents do the repetitive work at machine speed. Your CFO owns the judgment calls. You get one team, one fee and one source of truth. Try each module below.
Close
A five-day close that's a review, not a scramble.
Agents reconcile, accrue and recognise revenue continuously through the month. By month-end most of the work is done, and your team only reviews exceptions.
- Bank, card and payment processor reconciliations, matched daily
- Accruals and prepaids proposed with source documents attached
- Revenue recognition under ASC 606 or IFRS 15
- Multi-entity consolidation and intercompany eliminations
GAAP / IFRSMulti-currencyAudit trail
October close calendar
Business day 4BD1Reconcile
BD2Accrue
BD3Revenue
BD4CFO review
BD5Report
- ✓Bank and card reconciliations1,284 txns
- ✓Stripe payout matching$1.38M
- ✓Revenue recognition214 contracts
- ✓Payroll and benefits accruals3 entitiesCT
- Vendor accruals over $25kCFO reviewCF
- Flux analysis vs. budgetdrafting
Forecast
Change a driver, watch runway move.
Your forecast is built from real drivers like hiring plans, pricing, churn and payment terms, then tied back to actuals every close. Play with the model on the right.
- 18-month rolling forecast, re-based every close
- Unlimited scenarios for hiring, pricing and fundraising
- Budget vs. actuals with commentary on every material variance
ScenariosHeadcount planFundraise timing
Runway scenario
Starting cash $4.82MRunway18 mo
Monthly burn (Q2)$264k
Start raising byApr 2027
Cash and runway
See a cash crunch nine weeks before it happens.
A 13-week direct cash forecast built from your bank feeds, open invoices, bills and payroll calendar. It updates every morning and alerts you before you cross your floor.
- Daily refresh from bank, AR and AP
- Collections forecast by customer payment behaviour
- Covenant and minimum-cash alerts
13 weeksDaily refreshCovenant tracking
13-week cash forecast
Updated 06:00Week 9: balance dips to $1.9M after the annual insurance renewal and Q4 bonuses. Still above the $1.5M floor. Your CFO suggests moving the bonus run to week 11.
Board reporting
Board-ready the day the books close.
Board packs, investor updates and lender reports are drafted straight from the closed ledger. Your CFO writes the commentary, so the story matches the numbers.
- Monthly management pack with KPIs and variance commentary
- Quarterly board deck in your template
- SaaS metrics: ARR, NRR, CAC payback, burn multiple
Board packInvestor updateLender reporting
Q3 board pack
Ready for reviewSummary$17.1M
Revenue
Burn and runway26 mo
Unit economics
Headcount
Risks and asks
CFO commentary: Net revenue retention held at 118%. Burn multiple improved to 1.3x as Q3 hires landed later than plan. We recommend holding the Series B until NRR data covers four full quarters.
Spend control
Catch price creep before the invoice lands.
Every vendor, contract and renewal date in one place. Agents compare each bill against the contract and past invoices, and hold anything that doesn't match.
- Duplicate and out-of-contract invoices held automatically
- Renewal calendar with 60-day notice
- Seat and usage audits for software spend
AP automationRenewalsApprovals
Vendor watchlist
3 need action| Vendor | Monthly | Change | Status |
|---|---|---|---|
| AWS | $63,410 | +28% | Review usage |
| Datadog | $8,920 | 0% | Duplicate held |
| Salesforce | $14,200 | +7% | Renews in 41 days |
| Notion | $2,160 | −12% | Seats trimmed |
| Gusto | $1,480 | 0% | On contract |
Ask AiCFO
Ask your finance team anything. Get the working.
Plain-English questions, answered from your ledger, forecast and contracts, with sources you can click. Anything that needs judgment goes to your CFO.
- Answers cite the ledger entries and documents behind them
- Available in the app, Slack and email
- Escalates to your CFO when a call needs to be made
Ask AiCFO
Answers from your ledgerFinance agents
Six specialists that never miss a month-end.
Each agent does one job, follows your accounting policies and leaves a full trail. Every one of them has a human checkpoint before anything material is final.
Daily
Revenue agent
Reads contracts and billing data, builds revenue schedules and keeps deferred revenue right under ASC 606.
Human checkpoint: new contract terms are reviewed before recognition.
On receipt
Payables agent
Codes bills, checks them against contracts and past invoices, and queues payments on your approval rules.
Human checkpoint: you approve every payment run.
Weekly
Forecast agent
Re-bases the model on new actuals, flags drivers that drifted and drafts scenarios for your CFO.
Human checkpoint: your CFO owns every assumption.
Monthly
Reporting agent
Builds management packs, board decks and investor updates from the closed books in your format.
Human checkpoint: commentary is written and signed by your CFO.
Always on
Controls agent
Watches for segregation-of-duties breaks, unusual journal entries and policy exceptions as they happen.
Human checkpoint: alerts route to your CFO and you.
AI-first setup
We set up your finance function right, for agents, from day one.
Bolting AI onto messy books makes faster mess. We start by designing your chart of accounts, policies and controls so agents can follow them, then we write those policies as standing instructions every agent reads before it acts.
- MapEntities, systems, money flows
- DesignChart of accounts, policies, controls
- EncodePolicies become agent instructions
- ShadowAgents run a close next to people
- OperateAgents run it, people review it
policies/prepaid-expenses.yamlActive
policy: prepaid-expenses owner: controller applies_to: [software, insurance, rent] capitalize_if: amount: ">= 5,000" service_term_months: "> 1" amortize: straight_line_monthly evidence: [invoice, contract] auto_post_below: 25,000 review: above_25k: controller above_100k: cfo # every agent reads this before it touches a prepaid
Human review
Agents do the work. A CFO signs it.
AI is fast and tireless, but it isn't accountable. Every entry an agent proposes is checked against your policies, and every number that reaches your board has a named finance lead behind it.
- Every action is loggedWith the source documents and the reasoning behind it.
- Material entries need approvalThresholds you set decide what posts automatically.
- Your CFO writes the storyCommentary, recommendations and board narrative.
Close agentOct 3 · 06:12
Proposed an accrual for September cloud usage of $63,410. Invoice not yet received; estimate taken from the usage export.
CT
ControllerOct 3 · 09:40
Checked against the last three invoices. Variance within 2%. Approved and posted.
Reporting agentOct 4 · 08:15
Linked the accrual to a 3.1 pt gross margin decline and drafted a variance note.
CF
Your CFOOct 4 · 14:05
Confirmed the driver and added a recommendation on reserved capacity to the board pack.
✓ Signed offWhat the research says
The AI-first workplace is already here. We built AiCFO around it.
In October 2026, Anthropic's economists published what happened when one of the most AI-intensive companies in the world put agents to work. The findings shaped how we design every engagement.
6×
Agents worked six times as many hours as the people directing them by August 2026, after passing human hours in March.
Agents do the hoursOur agents run reconciliations, schedules and drafts around the clock. People spend their time directing and reviewing.
~80%
of interactive AI session time was idle, waiting on a human.
Review is the bottleneckSo we design for it. Clear thresholds decide what posts automatically, and staffed review queues keep agents from waiting on anyone.
20% → 90%
"That 20% that was strategic becomes 90% of the job," as one employee put it.
Judgment becomes the jobWhen agents absorb the routine work, your CFO spends their time on pricing, capital and the board.
8,500
standing instructions for agents a year after there were a few hundred.
Policies become instructionsYour accounting policies, approval rules and close checklist are written as standing instructions every agent follows.
10% → 22%
Meta-work, such as building agent tools, writing specs and monitoring pipelines, rose to 22% of interactive sessions.
Setup is the real workThat is why AI-first setup is a service in its own right, not an afterthought.
5×
code commits per engineer versus six months earlier, with no difference in revert rates between agent-written and human-written code.
Volume up, quality heldAgents add volume. Human review and controls are what keep the quality.
Findings from Wilmers, Catipon, Massenkoff and McCrory, "How employment is changing at Anthropic", Anthropic, October 2026. The figures describe Anthropic's own workforce, and its authors note Anthropic is an unusual case. The "what it means" lines are how we apply these findings to finance. They are not results from the study.
Onboarding
Live in three weeks. No migration project.
We work inside your existing accounting system. Nothing to rip out, and your data stays yours.
1Week 1
Connect
Read-only access to your ledger, bank, cards, payroll and billing. Most companies are connected in an afternoon.
- Accounting system
- Bank and card feeds
- Payroll, billing and CRM
2Weeks 2–3
Clean up and model
We fix the chart of accounts, catch up past months and build your forecast from real drivers.
- Historical clean-up
- Close checklist and policies
- Forecast, budget and KPIs
3Every month after
Run
Books closed by business day five, a board-ready pack and a standing call with your CFO.
- Monthly close and reporting
- Weekly cash and forecast
- CFO review call
Cost calculator
What a finance team costs you, compared.
Pick your stage and the team you'd otherwise hire. The comparison uses typical fully loaded US salaries, so treat it as a starting point, not a quote.
Each extra entity adds consolidation and intercompany work.
Valued at $250 an hour of founder time.
Estimated saving with AiCFO
50%+versus building the equivalent team in-house
In-house team assumed: controller, senior accountant and part-time FP&A.
Compare
Why not a bookkeeper or a fractional CFO?
Each option covers part of the job. AiCFO covers the whole finance function, with software doing the volume and a CFO doing the judgment.
| What you get | Bookkeeper$1–3k / mo | Fractional CFO$6–12k / mo | In-house team$40k+ / mo | AiCFO~50%+ saving |
|---|---|---|---|---|
| Accurate, reconciled books | ||||
| Close in 5 business days | ||||
| Driver-based forecast, refreshed weekly | ||||
| 13-week cash forecast, updated daily | ||||
| Board pack and investor updates | ||||
| Senior strategic judgment | ||||
| Answers in minutes, any day | ||||
| Scales without new hires | ||||
| Policies and controls written for AI agents | ||||
| Capital raise model and data room | ||||
| Buy-side and sell-side deal analysis |
Typical US market ranges. AiCFO typically costs 50% or more less than an in-house team or a bookkeeper plus fractional CFO covering the same scope. Your fixed fee is quoted after a short call.
Included Partly, or at extra cost Not usually included
Solutions
Built for the stage you're at, and the one after.
The finance function you need at seed looks nothing like the one you need before a Series B. AiCFO changes with you, without re-hiring.
Seed
Your first real finance function
Clean books, a cash plan and investor updates you're not embarrassed by.
- Monthly close
- 13-week cash
- Investor updates
Series A
Board-ready, every month
A forecast your board trusts and metrics that stand up in diligence.
- 5-day close
- Driver-based model
- Board pack
Series B and growth
Controls that scale
Multi-entity, multi-currency and audit-ready, without a ten-person team.
- Consolidation
- Audit support
- Spend controls
PE and founder-owned
Cash discipline
Lender reporting, covenant tracking and the margin work that drives value.
- Covenant alerts
- Lender packs
- Margin analysis
Example engagement
The first 90 days, step by step.
An illustrative engagement with a 42-person Series A software company, based on how we run onboarding. Your timeline will depend on the state of your books.
Illustrative example
The goal by day 90: board numbers on day five, and the founder's evenings back.
This walkthrough shows how a typical onboarding runs. Figures are examples, not client results.
- Day 1Kickoff and accessRead-only connections to QuickBooks, Stripe, Ramp, Gusto and two banks.
- Day 7Finance review deliveredFound $212k of unrecorded deferred revenue and a 13-week cash dip in March.
- Day 21Books caught upTwelve months reconciled, chart of accounts rebuilt, revenue schedules in place.
- Day 35First 5-day closeOctober closed on business day five with CFO sign-off.
- Day 60Board pack shippedQ3 deck with a driver-based forecast and hiring scenarios.
- Day 90Running on autopilotWeekly cash updates, monthly close and a standing CFO call.
18 → 5days to close
~20 hrsfounder time back each month
$212krevenue timing corrected
Pricing
One fixed fee. Quoted on a call, not a rate card.
Every company's entities, volume and deal calendar are different, so we quote after a short call. Expect to save 50% or more against the team you would otherwise build.
Core
Accurate books, on time
For companies that need a real close and clean reporting.
Call for pricingOne fixed monthly fee, quoted after a short call
Book a pricing call- Bookkeeping and 5-day close
- Monthly financial statements
- 13-week cash forecast
- Ask AiCFO in app and Slack
- Quarterly CFO review
Most popularGrowth
Plan and report like a public company
For venture-backed teams reporting to a board.
Call for pricingOne fixed monthly fee, quoted after a short call
Book a finance review- Everything in Core
- Driver-based forecast and budget
- Board pack and investor updates
- Spend control and AP automation
- Monthly CFO review call
Strategic
A CFO at the table
For companies raising, acquiring or preparing for audit.
Call for pricingOne fixed monthly fee, quoted after a short call
Book a pricing call- Everything in Growth
- CFO in board meetings
- Fundraising model and data room
- Audit and diligence support
- Multi-entity and FX consolidation
Every plan includes a named CFO, read-only access by default, and 30 days' notice to leave. Typically 50% or more below the cost of an equivalent in-house team.
Security
Your financial data, handled like a bank would.
Read-only access by default, least-privilege for every person and agent, and a full audit trail of who touched what.
Read-only by default
We connect with read access. Write access is opt-in, scoped and logged.
Encrypted everywhere
TLS 1.2+ in transit and AES-256 at rest, with keys managed by our cloud provider.
SSO and MFA
Google and Microsoft sign-in, enforced MFA and role-based access for your team.
No training on your data
Your ledger is never used to train AI models, ours or anyone else's.
Full audit trail
Every agent and human action is recorded with a timestamp and source.
Your data, your exit
Export everything at any time. Leave with 30 days' notice and a full handover.
Field guides
Free playbooks from our finance team.
Practical templates we use with clients. Ask for any of them and we'll send it over.
Playbook
The 5-day close
The day-by-day checklist, owners and cut-off rules we run for every client.
Get the playbook →Template
13-week cash forecast
A direct-method model with collections logic and a minimum-cash floor.
Get the template →Checklist
The board pack that gets read
Twelve slides, in order, and the metrics investors actually check.
Get the checklist →
FAQ
Questions finance leaders ask us.
Can't find your answer? Email hello@aicfo.pro and a real person will reply within one business day.
Is AI posting entries to my books unsupervised?
No. Agents prepare reconciliations, accruals and commentary. Anything above the thresholds you set needs approval from a person on your account before it posts, and every action is logged with the documents behind it.
Who is my CFO, and how much of their time do I get?
You get a named, experienced CFO who reviews every close, signs off your reporting and joins a standing monthly call. On the Growth and Strategic plans they also join board meetings and fundraising work.
Do we need to switch accounting software?
No. We work inside QuickBooks Online, Xero, NetSuite and Sage Intacct. If you're outgrowing your system, your CFO will tell you when and run the move.
We already have a bookkeeper. Why change?
Bookkeeping tells you what happened. AiCFO adds the close discipline, forecast, cash management and senior judgment that tell you what to do next. Many clients keep their tax advisor and replace everything else.
How fast can we start?
Your free finance review starts within a few days of the kickoff call. Full onboarding takes about three weeks, and your first AiCFO close is usually the month after you sign.
How is our financial data protected?
Access is read-only by default, encrypted in transit and at rest, and limited to the people on your account. Your data is never used to train AI models. See the security overview for detail.
What does it cost, and is there a contract?
Plans start at a fixed monthly fee based on entities and transaction volume. There's no long-term lock-in: either side can end the engagement with 30 days' notice, and you keep all your data.
What size company is this for?
Companies with roughly $2M to $50M in annual revenue, or venture-backed companies of any size that report to a board.
Free finance review
See your numbers the way a CFO does.
Give us read-only access to your books. Within seven days you get a written review, yours to keep whether or not you sign up.
- 01Health check of your books Reconciliation gaps, misclassifications and revenue timing issues.
- 0213-week cash position Where cash goes, when it gets tight and what to do about it.
- 03Your top three finance risks Ranked, with a concrete fix for each one.