Your CFO,
without the salary
CFO Pal is software that connects to your Xero, QuickBooks or Sage account and turns it into a finance director you can message.
- Know your numbers, without digging through reports
- Get warned before a cashflow problem hits
- Ask your CFO a question, even on WhatsApp
Morning Sarah. Cash is £96k. Anderson & Co's £18k is now 34 days overdue. Want the chase email?
£199/month + VAT · No card required
Works with your accounting software
SageRevenue
£118k
↑ 12% MoM
Net profit
£19k
↑ 8% MoM
Cash
£96k
At 30 Sep
Overdue
£24k
3 invoices
Every figure CFO Pal quotes you is checked against your ledger before you see it
Cashflow forecast
Next 13 weeks3 items need your attention
View all →Your cash dips to £61,000 in the week of 10 November, then recovers.
Every Monday morning
This is what Monday morning looks like
Where your cash stands, what is overdue and who to chase first. In your inbox, in plain English, with figures pulled from your own ledger that morning. It is sent at 07:00 UTC, so it reaches you at 7am through the winter and 8am once the clocks go forward.
- How long your cash covers your costs, and whether that moved
- What is coming next, off your own trajectory
- The biggest cash opportunity, client named and amount
Urgent items don't wait for Monday. Cash below your threshold or an invoice going overdue alerts you the same day, by email, SMS or WhatsApp.
The real brief our demo company's books produce, written by the same pipeline that would write yours. It asks for an email address, no account and no card.
Weekly Pulse · Monday 26 Oct 2026Hi Sarah, here's where things stand this week.
Cash Position
£96,000
Revenue
£118,000
Expenses
£99,000
Invoices · Owed to you
£24,000
Overdue · 3
£17,000
Outstanding · 2
£41,000
Total receivable
Bills · You owe
£3,400
Overdue · 1
£8,900
Due to pay · 4
£12,300
Total payable
Your CFO's take
Cash is healthy at £96,000, up £7,200 on last month. Revenue of £118,000 against £99,000 of costs made £19,000 of profit, though not all of it has reached the bank yet. Anderson & Co owes you £18,000, now 34 days overdue; chasing that today moves the most money.
CFO Pal · cfopal.co.uk · hello@cfopal.co.uk
What you get
Everything you need to stay ahead of your numbers.
CFO Pal turns your accounting data into clear figures, early warnings and a practical next step, so you can make better decisions and avoid costly surprises.
Profit and loss
Last 6 months£19,000
8%vs previous period
Cashflow forecast
13 weeksOn this forecast your cash does not fall below £61,000 in the next 13 weeks.
Needs your attention
Can I afford to hire another person next quarter?
09:14
On your current forecast, yes. With another £3,500 a month going out, your cash does not fall below £56,000.
09:15
Marketing spend
This yearIn the pack
Sep 2026Try it yourself
Don't take our word for it. Run it on your own numbers.
Quillmore Ltd is a fictional company with four years of books. Every answer and figure in this section is computed from its ledger by the same code that will run on yours. The other screens on this page are illustrations.
Losing £50,000 a month of wedding and event work would flip you to a monthly net loss of £13,225, and your cash would last about 16 months before running out.
Quillmore Ltd's ledger and the forecast model, checked before shown
Read the full answer →Try another
Revenue
£238,000
Net profit
£29,600
Cash
£211,850
Overdue
£89,300
Cash, projected from today
Opening from the September 2026 cash balance, through to March 2027. September 2026 is the latest complete month of Quillmore Ltd's books.
Pricing
One price. Everything included.
No complicated plans, hidden feature tiers or per-user charges. Get financial insights, cashflow forecasts, proactive alerts and answers from your AI CFO for one straightforward monthly price.
Full access
Or £1,990/year + VAT paid annually, saving £398 a year.
- Financial dashboards and insights
- 13-week cashflow forecasts and budgets
- Proactive alerts by email, SMS and WhatsApp
- Ask your AI CFO questions, 24/7
- Board-ready management accounts
- Xero, QuickBooks and Sage integrations
14 days free · No card required · Cancel anytime
Available to UK businesses.
Each additional business is £99/month + VAT, with no second free trial.
Fair use: 200 AI questions in any 30 days, on each of chat, insights and WhatsApp.
Beyond accounting software
Your accounting software records the numbers. CFO Pal helps you act on them.
Your books answer whatever you ask them. Starting the conversation is a different job: telling you in January that March will be tight, before you had thought to look.
Your accounting software
- Records transactions
- Produces financial reports
- Provides accounting data
CFO Pal adds another layer
- Highlights financial risks before you ask
- Shows a cashflow shortfall while there is time
- Answers questions using your own figures
CFO Pal works alongside your accounting software. It does not replace it.
Including the cases where the other product is the right choice.
How it works
Connect in minutes. Stay informed automatically.
Four simple steps from connecting your books to receiving proactive financial guidance.
Connect your accounts
Securely link Xero, QuickBooks or Sage. CFO Pal reads your financial data without changing your books.
See your numbers
Your financial dashboard, forecasts and insights become available as your data syncs, twice a day.
Get your Monday briefing
Receive a plain-English financial summary in your inbox to start the week informed.
Stay ahead of problems
Get alerts when a daily check finds an important change or a risk, without waiting for your next report.
Your data
Your financial data stays yours.
Your accounts stay under your control. CFO Pal is designed to protect your information while giving you the financial clarity you need.
We only ever read
CFO Pal reads your accounting data. It does not edit your books or move money.
Encrypted and protected
Your financial information is protected through encryption and access controls.
Your business. Your data.
Business information is kept separate, with controls for disconnecting accounts and requesting deletion.
Not used to train AI
Your business financial data is not used to train AI models.
Built with financial confidentiality in mind.
Your ledger is stored in a London data centre. Producing your commentary sends figures from it to Anthropic in the United States, under the UK International Data Transfer Addendum. Every sub-processor is published, alongside our data processing terms and our AI policy.
Are you an accountant or bookkeeper?
Let's work together. Put weekly financial oversight in front of your whole client base, with CFO Pal doing the monitoring underneath and your firm staying the adviser in the room.
Frequently asked questions
What happens after the 14-day trial?
If you continue, your subscription starts at £199/month + VAT. If you don't, the account simply deactivates. There's no charge, and no card on file to charge. Your data is kept for 30 days in case you change your mind.
Do I need to enter card details to start?
No. You get full access for 14 days without entering any payment details, and we'll remind you before it ends.
Does this replace my accountant?
No, and it isn't meant to. Your accountant files your accounts and handles tax. CFO Pal covers the gap in between: the week-to-week question of whether the business is actually alright. It sits alongside your accountant rather than replacing them, and we don't give tax advice.
My accounting software has its own AI assistant. Why pay for this?
Use it. If you're on Xero, JAX is included in your subscription during the beta and it's good at what it does. The difference is who starts the conversation: an assistant inside your books waits for you to open them and ask, whereas CFO Pal sends a brief every Monday and an alert the day something moves, across Xero, QuickBooks and Sage alike. If you're Xero-only and happy to go and ask, you may not need us.
Read the Xero JAX comparison →Which accounting software do you work with?
Xero, QuickBooks Online and Sage Accounting, syncing twice a day.
How quickly will I hear about a problem?
Your books are re-read twice a day, and once a day we run the checks over the result: cash against the minimum you set, overdue invoices, margin, a customer going quiet, VAT and filing dates. If a check finds something, you hear that day by email, SMS or WhatsApp, whichever you switch on. It is a daily check rather than continuous monitoring, so something that happens this afternoon reaches you in the next day's run.
What do I see once my books are connected?
Your P&L and balance sheet, your debtor and creditor book, a cashflow forecast, and the reconciliation checks that say whether those figures tie up. The sidebar chat answers questions about any of it.
What if I run more than one business?
Each business is a separate subscription under the same login, and you switch between them from the dashboard. They are not merged into one view: each keeps its own Monday brief, its own forecast and its own alerts, so the company you are not watching is still being watched.
See what a second business costs →Does the AI ever get the numbers wrong?
It can't calculate them. Every figure the AI quotes is computed by CFO Pal from your data first and handed to the model as fact. The AI writes the explanation, never the arithmetic. That's a deliberate design constraint, not a claim about the model.
Is my financial data safe?
Data is stored in the UK (London), encrypted in transit and at rest, and isolated per business with row-level security. We only ever read from your accounting platform and can revoke it ourselves the moment you ask. Full detail is on our security page.
Still deciding? See how CFO Pal compares to Float, Fathom, Agicap and a fractional CFO.
Stop guessing.
Start knowing.
14 days free, no card required. Connect your accounts and your dashboard fills the same day. Your first written brief lands the Monday after.