Your CFO,
without the salary
Someone should be telling you in January that cash gets tight in March. That is a CFO's job. CFO Pal does it from your Xero, QuickBooks or Sage data: a written financial summary every Monday, a warning the same day something moves, a clear yes when you can afford something, and an answer whenever you want one.
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Good morning, Sarah
Kew Facilities Ltd · Financial Year 2025/26 · Mar 2026
Revenue
£17.4k
+3.6%
Direct Costs
£6.9k
-2.1%
Gross Profit
£10.5k
60.3%
Overheads
£7.9k
+4.7%
Net Profit
£2.6k
14.9%
Cash
£31.8k
+£2.4k
Income vs Spending
Top Overheads
Cash Forecast
Every Monday, 7am
This is what Monday morning looks like
Not a dashboard you have to remember to open. A written brief in your inbox, in plain English, citing figures pulled from your own ledger that morning.
Weekly Pulse · Monday 10 Apr 2026Hi Sarah, here's where things stand this week.
Cash Position
£31,800
Revenue
£17,400
Expenses
£14,200
Invoices · Owed to you
£8,400
Overdue · 3
£4,490
Outstanding · 2
£12,890
Total receivable
Bills · You owe
£1,200
Overdue · 1
£3,000
Due to pay · 4
£4,200
Total payable
Your CFO's take
Cash is healthy at £31,800, which is around 8 weeks of cover at your current run rate. Riverside Events owes you £4,200, now 29 days overdue. Chasing that today would meaningfully improve your position. Marketing spend jumped 47% this month; worth reviewing whether the ROI justifies continuing at this level.
CFO Pal · cfopal.co.uk · hello@cfopal.co.uk
Urgent items don't wait for Monday. Cash dropping below your threshold, an invoice going overdue or a spending spike triggers an alert the same day, by email, SMS or WhatsApp.
What your accounting software will not do
Nothing in Xero, QuickBooks or Sage tells you in January that cash will be tight in March.
Your accounting software answers whatever you ask it. It just never starts the conversation.
The AI assistants now arriving in Xero, QuickBooks and Sage answer a good question quickly, and they are genuinely useful. Raising the question first is a different job, and it is the one a finance director does, whether the answer is a warning or a green light. The usual fix is a part-time one, at £1,000 a day. So most owners never hire one.
One view, whichever platform
Xero, QuickBooks and Sage, treated the same
An assistant built into one accounting platform can only ever see that platform. CFO Pal sits above the books instead, so if you run one company on Xero and another on Sage, both land in the same Monday brief and the same forecast. Add a business at any time and it joins the same view.
We only ever read, in every case. We never write to your books. Accountants with a mixed client base get one programme covering all of it.
What you get
The numbers a finance director would put in front of you
One subscription. No per-user charges, no modules to add on, no minimum term.
Proactive alerts
The day cash dips below your threshold, an invoice goes overdue, or spending spikes, CFO Pal messages you. You don't have to remember to look.
Reports that explain themselves
P&L, cashflow and balance sheet, generated from live data and written in plain English. Export any of them to PDF.
Cashflow forecasting
See your projected cash position 8, 12 and 16 weeks out with what-if scenarios, with the weeks you're forecast to go short flagged in red.
Budget vs actuals
Set a budget per category and watch actual spend land against it in real time, with drill-down to the transactions behind every variance.
Your CFO in your pocket
“Can I afford this hire?” “Who owes me money?” “What's my runway?” Ask from the dashboard or straight over WhatsApp, by message or voice note, and get an answer back from your live figures. On site, in the car, between meetings.
Management accounts
A fourteen-section board-ready pack covering executive summary, risk register, balance sheet and recommendations. Generated in seconds, not billed by the hour.
Forward, not backward
Know what's coming, not just what happened
Sixteen weeks of projected cash, built from your invoices, bills and payment patterns. The week you're forecast to go short is marked before you get there, which is the only point at which you can still do something about it.
Cashflow Forecast
12-week rolling forecast with budget tracking
Current Cash
£31,800
Apr 26
Cash In vs Out
-£3,400
spent more than received
Budget Pace
1 over pace
5 of 6 categories on track
Spend vs Budget
£27,220 / £27,500
£280 underCash Flow Overview
| Period | Jan | Feb | Mar | W/C 14 Apr | W/C 21 Apr | W/C 28 Apr |
|---|---|---|---|---|---|---|
| Opening Balance | £42,000 | £38,500 | £35,200 | £31,800 | £30,400 | £28,900 |
| Revenue | £18,200 | £16,800 | £17,400 | £4,100 | £4,100 | £4,100 |
| Staff Costs | £9k | £9k | £9k | £2k | £2k | £2k |
| Facilities & IT | £3k | £3k | £3k | £711 | £711 | £711 |
| Marketing & Sales | £1k | £2k | £3k | £415 | £415 | £415 |
| Total Cash Out | -£21,700 | -£20,300 | -£21,800 | -£5,500 | -£5,600 | -£5,300 |
| Net Cash Flow | -£3,500 | -£3,500 | -£4,400 | -£1,400 | -£1,500 | +£1,800 |
| Closing Balance | £38,500 | £35,200 | £31,800 | £30,400 | £28,900 | £27,100 |
Cash projected to drop below £20,000 threshold in week 10. 3 overdue invoices totalling £8,400. Recommend chasing today.
Budget vs actuals
Catch overspend in week two, not at year end
Set a monthly budget per category once. Actuals land against it automatically as your accounting data syncs, with a red flag the day a category runs hot and drill-down to the transactions driving it.
- Pace tracking, so you can tell real overspend from simply being further through the year
- Variance drill-down to individual transactions
- Budget breach alerts sent the day they happen
Budget vs Actuals
March 2026
⚠️ Marketing is 40% over budget this month. Total spend across all categories: £27,220 of £27,500 budget (99%).
How it works
Set up in fifteen minutes. Then leave it running.
Connect your accounts
Two clicks to authorise Xero, QuickBooks or Sage. No spreadsheets to prepare, no data to re-key. Manual entry and CSV upload also work.
Set your thresholds
Tell us your minimum cash level, your budgets, and where you want to be reached: email, SMS or WhatsApp.
Your CFO goes to work
Data syncs twice daily. A written summary lands every Monday, and anything urgent reaches you the day it happens.
Your data
Built for financial data. Secured accordingly.
You're handing over the full picture of your business. Here is exactly what we can and cannot do with it.
We only ever read
We connect through official OAuth and only ever read. CFO Pal does not modify your books, delete anything, or move money.
UK and EU hosted
All data sits in a London data centre. Your ledger is stored and processed in the United Kingdom. UK GDPR compliant, ICO registered.
Encrypted throughout
TLS 1.3 in transit, AES-256 at rest. Accounting tokens are never exposed to the browser.
Isolated by default
Row-level security separates every business. Disconnect or request deletion at any time and everything is removed within 30 days.
ICO registration ZC222112 · GDPR compliant · Security · Data processing agreement
Pricing
One price. Everything included.
A fractional finance director costs £1,000 to £2,000 a month. A full-time CFO costs £150,000+ a year. You keep your bookkeeper and your accountant — this is the job neither of them does.
Full access
Or £1,990/year + VAT paid annually, saving £398 a year.
- Every feature included, nothing gated or upsold
- Questions to your AI CFO, no per-question charge
- Xero, QuickBooks and Sage, synced twice daily
- Alerts by email, SMS and WhatsApp
- Board-ready management accounts
- 14-day free trial, no card required
No card required · Cancel anytime · UK businesses only
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. If you don't use any of them you can enter figures manually or upload a CSV.
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 first summary arrives the same day.