Features
The numbers a finance director would put in front of you
Reporting, forecasting, budget control and early warning, generated from your live accounting data and delivered to you, for £199/month + VAT. Every feature below is included; there is no higher plan. It is your CFO in your pocket as well as on your desk: ask about any of it at any hour, over WhatsApp, by message or voice note.
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Proactive alerts
Cash running low, a budget overrun, invoices going overdue, a spending spike: CFO Pal tells you the day it happens, by email, SMS or WhatsApp. You don't have to remember to check.
Financial reports
Profit & loss, cash movement and balance sheet summaries generated from live data, with month-on-month and year-on-year comparison. Written in plain English, exportable to PDF.
Cashflow forecasting
Your projected cash position 8, 13 and 26 weeks ahead, with what-if scenarios you define. Any period forecast to go negative is flagged while you can still act on it.
Budget vs actuals
Set a monthly budget per category and watch actual spend land against it. Green, amber and red status, pace tracking, and drill-down to the categories behind any variance.
Ask your CFO
Ask anything in plain English (margins, runway, whether you can afford a hire) and get an answer built from your own live figures. No per-question charge.
Management accounts
A fourteen-section board-ready pack in seconds: executive summary, risk register, balance sheet, creditor analysis and recommendations, all written from your real financial data.
Benchmarks with named sources
See where you sit against the quartiles of your Companies House peer group (net assets, cash, creditors and current ratio from filed accounts), plus published UK figures for measures like debtor days, each carrying its source, year and who it covers. Where no honest figure exists, we show nothing.
Revenue analysis
Client concentration risk, top income sources, debtor days and revenue trend charts with year-on-year comparison: so you spot a slipping client before it shows up in the bank.
Xero, QuickBooks & Sage
Connect in two clicks and your data syncs twice daily, automatically. No manual entry, no spreadsheets. We only ever read: we do not change your books.
Why not just use your accounting software?
Xero, QuickBooks and Sage are excellent at recording transactions. What they don't do is tell you what those transactions mean, or come and find you when something changes. CFO Pal is the interpretation layer on top, the part a finance director would otherwise do.
Accounting software
Records what happened. You go to it.
Fractional FD
Real judgement at £1,000 to £2,500 a day, a day or two of it.
CFO Pal
Explains it, forecasts it, and comes to you. £199/month + VAT.
Ready to see your numbers clearly?
14-day free trial, no card required. Connect Xero, QuickBooks or Sage in two clicks and your first analysis arrives the same day.