CloviCFO — Your AI CFO + a Full Accounting Platform

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 Reconciliation Assistant reviews every imported transaction against your GL entries, flags exceptions by severity (date mismatch, amount discrepancy, duplicate), and surfaces them for your confirmation. Powered by your existing double-entry engine — matched entries are confirmed, not just guessed.

Amount mismatch · Inv #4021Review

Duplicate · Office Depot $86.53Review

140 of 142 importedMatched

Illustrative — not a real user's figures

📊

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

Capture receipts via photo, email forward, or PDF import. AI-powered Expense Categorization maps each expense to the correct IRS Schedule C line — using a rules-first engine with LLM fallback for edge cases — so your books stay compliant from day one.

Starbucks · $14.20Meals (Sch C L24b)

Staples · $86.53Office (Sch C L18)

Illustrative — not a real user's figures

📑

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.

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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.

⚖️

Working Capital & AR/AP Health Live

Track your current ratio in real time. See AR and AP aging side by side, with days-outstanding metrics to manage collections and payments before cash flow tightens.

Current ratio1.8x

AR aging 0–30d$6,240

AP due next 7d$2,110

Illustrative — not a real user's figures

🔮

13-week cash-flow forecast In progress

13-week cash flow forecast based on your historical transaction patterns, helping you anticipate upcoming cash positions. Advanced predictive modeling with AR aging and AP due-date intelligence is in development.

🛡️

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

Sample report · Illustrative data — not a real user's figures. The report shown is for demonstration only and represents a fictional example company.

On Roadmap

AI Scenario Planning — On Roadmap

QuickBooks records what happened. This is a preview of where CloviCFO's cash-flow intelligence is headed — the capabilities below are planned, not yet available in the current release.

○13-week cash-flow forecast — in progress today (naive weekly-average projection); AR-aging/AP-due confidence bands in development
○Scenario modeling — "what if I hire 3 engineers?" — on roadmap
○Deduction-opportunity alerts with dollar amounts & deadlines — on roadmap
○Board-reporting packages for investors — on roadmap

Illustrative scenario — Scenario Planning is a roadmap capability not yet available in the current release.

13-week cash-flow projection On Roadmap

Illustrative preview · not generated from live ledger data

Projected cash▲ +$31k over 13 weeks

Illustrative — not a real user's figures

💬

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

Illustrative scenario — Scenario Planning is a roadmap capability not yet available in the current release.

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.

Capability	CloviCFO	QuickBooks / Xero	Cheqbook	SparkReceipt
Double-entry GL + full reports	✓	✓	✓	—
AI auto-categorization & receipt OCR	✓	Partial	Partial	✓
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/a	Import	—
Starting price	$49/mo	$16–$30/mo	$19.75/mo	$16.65/mo