Cash position
$182k
Cash in bank · Apr 2026
Money out
$74k/mo
Cash cushion
2.5 mo
Cushion vs. 3-month goal
For small business owners
The financial operating system for small business owners — a workspace where you and AI run the company together: widgets you arrange, apps you dive into, files you upload, and an assistant that reads your live numbers. Understand, build, and run the business on one surface, without re-explaining it twice.
What-if: hiring
Today$18k/mo left
+1 hire ($80k costs)$12k/mo left
+1 hire + 6% price$17.5k/mo
Goal: keep $15k+/mo for taxes & slow months
01·The desktop
Your AI financial operating system.
CFO X isn’t a reporting tool — it’s a workspace you operate inside. Explore the business in real time, test decisions instantly, adjust assumptions and watch outcomes update live. You don’t just view your business; you build clarity with the AI, together.
Busy Season Plan⌄
Ask CFO X…
↑
02·Widgets
The metrics that matter, arranged the way you think.
Pin cash, your cushion, what you keep, a scenario you’re testing. Each widget is live — numbers update as the underlying files and assumptions change. Ask CFO X to add, remove, or rebuild one in plain language; it rearranges the grid to match how you read your business.
- Ask for it"Add a widget for costs by category this month."
- Rearrange freelyDrag to build the view you read first every morning.
- Swap as you goAsk CFO X to refresh a number or replace the widget entirely.
Cash position
$182k
Cash in bank · Apr 2026
Money out
$74k/mo
Cushion
2.5 mo
Cushion vs. 3-month goal
Profit margin
20%
What you keep
$18k/mo
Up from 14% last year
Hiring plan
Current8$74k
+1 hire9$80k
Year-end10$86k
Revenue trend
$92k+8%
Jun · +$16k expected by Sep
JanJunSep
Monthly costs
$80k
after the hire
+$6k vs today
Pinned questionpinned
“If I bring on one more person and keep prices flat, how much is left at the end of each month?”
answered 2 days ago
Hiring Decision Planner
What one new hire does to your monthly cushion and cash on hand
New hires
+1
Price increase
6%
Busy-season lift
12%
Monthly cushion
$18k
↑ $3k
Monthly costs
$74k
↑ $4k MoM
Cash on hand
$182k
↑ $31k from Q1
Team size
8
6 full-time, 2 part-time
Scenario comparison
Current stateWith hiringOptimized plan
- Monthly cushion$12k
- Monthly costs$80,000
- Cash in 6 months$254k
- Risk levelMedium
Costs breakdown
Payroll
$40k
$46k
+$6k
Rent & utilities
$20k
$20k
—
Supplies
$7k
$7k
—
Software & tools
$4k
$4k
—
Insurance & admin
$3k
$3k
—
Total
$74k
$80k
+$6k
Optimization
A 6% price increase alongside the new hire holds your monthly cushion at $18k — right where it is today.
Hiring impact
Hiring one person with prices flat drops your monthly cushion to $12k — under your $15k floor. Consider raising prices first.
03·Apps
Click a widget. An app opens with the full story.
Apps are full workspaces for a question. Sliders for your assumptions, a breakdown table so you can see where the money goes, and short insights from CFO X — so you walk away knowing what to do, not just what’s happening.
Cash flow plannerPricing studyHiring planSlow-season testTax set-aside
04·Files
Drop the files. Skip the spreadsheet gymnastics.
Drop anything numerical onto the desktop and CFO X reads it in place. No importing, no schema mapping, no reshaping rows into columns — just drop, then ask. Answers come back grounded in your actual documents, so you can spend the saved hour on the decision instead.
- Drag & dropPDF, CSV, XLSX — onto the desktop, into the assistant, anywhere.
- Kept on the desktopFiles sit alongside your widgets. Open one, reference it in a chat, or hand it to a new app.
- Consolidate by asking“Total my Q1 sales from card payments and customer invoices.” CFO X does the joining.
- Replaces spreadsheet tricksNo pivot tables, no VLOOKUPs, no formula hunting. Describe the shape you want.
05·The assistant
An assistant you don’t have to reintroduce every time.
CFO X keeps a live view of your business alongside the conversation. Ask a follow-up and the answer comes back with the context already in hand — no re-explaining, no restating.
What CFO X remembers
Busy Season Plan
live
Business
TypeSmall business, owner-run
Team8 people · 6 full-time
StageProfitable, planning to grow
Current state
Cash$182kApr 2026
Revenue$92k / mo+8% MoM
Costs$74k / mo
Cushion2.5 months
Left over$18k / mo
Plans & ideas
New hire+1 person$6k/mo loadedadded Apr 8
Pricing6% increase, consideringyou flagged Apr 10
Year-end goal10 people if busy season holds
ThresholdKeep $15k+/mo set asideyour rule
28 facts remembered · last updated just now
Asked just now
Can I afford to bring on another person before the busy season?
Answering from memory
At your $74k/mo in costs and $18k left over, adding one person at $6k/mo loaded trims what’s left to $12k a month — under the $15k floor you set for taxes and slow months.
Combine it with the 6% price increase you flagged Apr 10and you’re back to $17.5k a month. Safe, barely.
My read: raise prices first, give it a month to land, then hire. You head into the busy season covered instead of betting the cushion on timing.
4 facts pulled from memorynothing was re-asked
06·Trust
Boring, in the best possible way.
Your data stays yours
Isolated memory per desktop. Nothing is shared across customers, and you can wipe a desktop — numbers, chat, widgets — in a single click.
Auditable math
Every number on a widget traces back to the inputs it came from. Scroll the conversation to see exactly what the assistant was looking at.
Serious about security
At-rest and in-transit encryption — the same standards your bank holds itself to. SOC 2 Type II is on the roadmap.
07·FAQ
Fair questions. Plain answers.
A dashboard is a static wall of pre-decided charts. A desktop is a workspace you arrange and an assistant you talk to. Pin widgets you want close by, open apps when you need depth, and ask CFO X follow-ups without having to re-explain anything.
Not in the current version. You bring numbers in (upload, paste, or type), and widgets reflect what’s on the desktop. Automatic sources are on the roadmap; for now the assistant focuses on helping you reason about what you’ve given it.
Anything you tell CFO X inside a desktop — your hiring plan, a pricing idea, a constraint you care about — stays with that desktop. When you ask a follow-up, the assistant brings that context into the answer without you having to repeat yourself.
Yes. Open one for the business, one for your household budget, one for a location you’re thinking about opening. Each has its own widgets, apps, and memory so the assistant doesn’t confuse them.
No. CFO X models trade-offs and lays out options clearly. The decision — and the advice you act on — is yours or your accountant’s.
Right now. Click Get Started and you can sign up immediately — your first desktop is ready to open.
08·Blog
Notes from the CFO X desk.
Practical reads on running your finances — what to check, what to model, and how to make the call without the spreadsheet gymnastics.
- Guide
The Best Cash Flow Tracker for Small Business Owners in 2026
A practical comparison of QuickBooks, Fathom, Digits, and CFO X — what each one is actually good at, and how to pick the right cash flow tracker for your situation.
Read post - Product
CFO X Free Trial: What You Get When You Open Your First AI Financial Desktop
A walkthrough of the CFO X financial desktop — what you see, the five things you can do on day one, and how it compares to QuickBooks, Excel, Fathom, and Jirav.
Read post - Guide
The 5 Financial Metrics Every Small Business Owner Should See Every Morning in 2026
Cash position, cushion, profit margin, burn, revenue trend — the five numbers that tell you whether your business is healthy and what you can do today.
Read post
09 · Open one
Open a desktop. Bring the question you keep putting off.
We’re onboarding owners in small batches. Drop your email and we’ll send a note when your desktop is ready.