✦ AI CFO · Full accounting platform · IRS-cited tax brain

Your AI CFO + a full accounting platform

CloviCFO is its own AI-native accounting software — real double-entry books, reconciliation and reports — that doubles as your AI CFO and IRS-cited tax engine. Leave QuickBooks behind.

Start free → Why it's different
Double-entry GL & reconciliation Switch from QuickBooks in ~10 min
app.clovicfo.com · Dashboard
DashboardReportsReconcileCFO Chat
Net income (YTD)
$20,925
▲ 14% vs last period
Cash on hand
$48,310
3 entities · consolidated

Revenue vs expenses

Last 6 months
RevenueExpenses
● Reconciled
142 / 142 matched
CFO Chat · IRC §162
"You can deduct $4,200…"

One platform that replaces a whole stack

QuickBooks / Xero Cheqbook SparkReceipt TurboTax A fractional CFO
Accounting modules
0
GL, AR/AP, reports, recon & more
Chart of Accounts
0
account tree, fully typed
Cash-flow forecast
0
predictive, AI-driven
Switch from QuickBooks
~10 min
books tie out before cutover
The platform

A genuine accounting core — with an AI brain on top

Not a chatbot bolted onto a spreadsheet. The recognizable modules a QuickBooks user expects, built AI-native — plus a tax engine no competitor has.

📒

Double-entry general ledger Live

Immutable, balanced entries with reversing support, a 199-account chart of accounts, journal entries, and period close/lock.

🏦

Banking & reconciliation Live

AI auto-categorization to the right account, auto-match against your books, and statement tie-out before you confirm.

📊

Full report suite Live

P&L, Balance Sheet, Cash Flow, Trial Balance, General Ledger, plus cash/accrual toggle and AI narratives.

🧾

Receipts: capture, OCR & vision Live

Email auto-fetch + OCR read vendor, amount, date and category, then map to the IRS Schedule line and post to the GL.

📑

Invoices, bills & 1099 Live

AR invoices & customers, AP bills & payees with 1099 tracking, payments, credits, aging, and e-signature contracts.

🏢

Multi-entity consolidation Live

Run multiple companies and produce a consolidated P&L and Balance Sheet — beyond QuickBooks Online.

💡

IRS-cited AI CFO & tax guru Live

Ask about your taxes, deductions and entities — answers cited to the Internal Revenue Code, grounded in your real numbers.

🔮

13-week cash-flow forecast Build-ready

Predictive cash-flow projection and scenario modeling — "what if I hire 3 engineers?" — answered against your books.

🛡️

Fraud & charge intelligence In progress

Recognize unknown merchants, explain any charge, and flag business-fit mismatches — a differentiator vs QuickBooks/Xero.

Explore the full platform →
Reporting

GAAP reports that tie to your ledger — explained

Every statement is generated from your double-entry GL in real time, and the AI tells you what the numbers mean.

  • ✓P&L, Balance Sheet, Cash Flow, Trial Balance, GL — the full GAAP suite
  • ✓Cash vs accrual toggle and date-ranged runs
  • ✓AI financial analysis narrative on every report
  • ✓XLSX / CSV export on all reports
Reports · Profit & Loss
P&LBalance SheetCash FlowTrial Balance
🤖

AI Financial Analysis: For the period, the company generated $33,088 in revenue with a 63% net margin — strongest quarter YTD.

Profit & Loss — YTD (accrual)Amount
4060 · Sales$33,087.50
Gross Profit$33,087.50
Operating expenses$12,162.00
Net Operating Income$20,925.50
Net Income$20,925.50
The AI CFO layer

See your cash future, not just your past

QuickBooks records what happened. CloviCFO projects what's next and answers scenario questions against your real ledger.

  • ✓13-week cash-flow forecast with confidence bands
  • ✓Scenario modeling — "what if I hire 3 engineers?"
  • ✓Deduction-opportunity alerts with dollar amounts & deadlines
  • ✓Board-reporting packages for investors

13-week cash-flow projection

Projected ending cash · updated from your ledger
Projected cash▲ +$31k over 13 weeks
💬

Scenario: "If I hire 3 engineers at $140k each, runway drops from 14 to 9 months — break-even returns in Q3 at current growth."

How it works

From transactions to a real-time CFO view

1

Bring in your data

Connect QuickBooks, import CSV/OFX/IIF, or forward receipts. Your chart of accounts and history come over and tie out.

2

AI does the books

Transactions auto-categorize to the right account and IRS line, match to receipts, and post to a double-entry ledger.

3

Reconcile, report, advise

Tie out to statements, run GAAP reports, and ask the IRS-cited CFO anything about your numbers.

See the full workflow →
Honest comparison

Accounting parity — plus the part they can't do

Real capabilities only. Competitor prices per public pricing, June 2026.

CapabilityCloviCFOQuickBooks / XeroCheqbookSparkReceipt
Double-entry GL + full reports✓✓✓—
AI auto-categorization & receipt OCR✓PartialPartial✓
Multi-entity consolidation✓Single entity✓—
IRS-cited tax guru on your data✓———
Amendment PDFs (1040-X) & tax projection✓———
Switch from QuickBooks (books tie out)✓n/aImport—
Starting price$49/mo$16–$30/mo$19.75/mo$16.65/mo
Why CloviCFO is different →
Security & trust

Your financial data, properly protected

Per-user isolation, encrypted storage, read-only imports — and honest framing about what CloviCFO is.

🔐

Per-user isolation

Every query scoped to you and your entity. New accounts start empty.

🗄️

Encrypted vault

Private document data room with signed-URL access only.

🏦

Read-only imports

CloviCFO imports transactions; it never moves money.

⚖️

Software, not advice

Decision support cited to the IRC — not a regulated service.

Get your books — and your CFO — in one place

Switch from QuickBooks in about ten minutes, and let the AI do the rest.

Start free →
Part of CloviTek

Explore the CloviTek suite

One connected AI business OS. Every tool below works on its own — and even better together.

CloviCRM illustration CloviCRM →One contact store to raise and operate on. CloviSEO illustration CloviSEO →AI SEO that actually moves rankings. CloviForms illustration CloviForms →AI form builder for smarter intake. CloviLegal illustration CloviLegal →AI legal OS — draft and sign in minutes. CloviPDF illustration CloviPDF →Every PDF tool in one place. CloviCFO illustration CloviCFO →Your AI CFO plus a full accounting platform. CloviLeads illustration CloviLeads →AI lead capture and qualification. CloviReach illustration CloviReach →Turn a cold list into booked meetings. CloviBrand illustration CloviBrand →A full brand identity, not just a logo. CloviQR illustration CloviQR →QR codes that stand out and report back. CloviAgent illustration CloviAgent →Build AI agents without writing code. CloviDecks illustration CloviDecks →AI decks that speak for themselves.
View all CloviTek platforms →