An AI CFO for the owners CPAs price out

CloviCFO exists to put real bookkeeping, real reports, and CFO-level insight within reach of every small business owner.

Most small business owners are stuck choosing between a bookkeeping app that only records the past and a fractional CFO that costs thousands a month. CloviCFO closes that gap: a genuine double-entry accounting platform with AI doing the busywork and an advisory layer that explains what your numbers mean.

We build honestly. Every capability on this site is labeled Live, Partial, or Coming so you always know exactly what you're getting — no vaporware, no fake testimonials.

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Honest by default

We tell you what's real, what's partial, and what's coming. No overstated claims.

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Privacy first

Per-user isolation and encrypted storage. Your books belong to you.

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Built for owners

Designed for the founder who can't afford — and shouldn't need — a $300/hr CPA on retainer.

Vital Webmaster LLC, dba CloviCFO

CloviCFO is operated by Vital Webmaster LLC. Questions? Get in touch.