Every tool.
Three audiences.
one ecosystem.
Professional-grade bookkeeping, personal wealth tracking, and an advisor workbench. No hidden tiers. No “talk to sales”.
AI-Powered Intelligence
Experience enterprise-grade artificial intelligence that transforms manual financial tasks into automated workflows. Our ML algorithms save hours of work while providing insights that would typically require a dedicated CFO.
Multi-Entity Management
Manage multiple business entities and personal accounts with complete data isolation. Each entity operates independently while providing consolidated views when needed.
Advanced Bank Integration
Connect to thousands of financial institutions across Canada and the US with our Plaid integration. Automatic transaction syncing keeps your data up-to-date with 6-hour sync intervals.
Intelligent Analytics & Reporting
Get actionable insights with our advanced analytics engine. From cash flow projections to detailed financial reports, make informed decisions with confidence.
See your whole picture.
Most apps show you where last month’s money went. PersonalCFO shows you where you stand — everything you own, everything you owe, and how close you are to retiring.
Net Worth
One number that matters. Every asset minus every debt. Updated daily.
Liabilities
Credit cards, car loans, mortgage, student debt — each with a payoff date in plain English.
Retirement
401(k), IRA, pension. Contribution room, employer match, projected balance at 65.
Tax Planning
Safe harbor, Roth conversion, tax-loss harvesting, capital gains, AMT. Run the math before December.
Performance
Time-weighted returns vs. the S&P. Allocation drift alerts before it hurts.
Document Vault
Tax docs, wills, insurance. Uploaded once, searchable forever.
A workbench for the pros.
Switch between clients in one click. Batch-generate month-end packages. Approve every journal entry with a full audit log. Chase missing docs without writing a single email.
Client Switcher
Deep-link into any client file in one click. No re-logins, no tab juggling.
Approvals Queue
Every journal entry, every return, signed off with a tamper-proof trail.
Batch Reports
Generate month-end packages for every client in one run. Branded and scheduled.
Deliverables
Cross-client to-do list with status, priority, and due-date filters.
Missing Docs
Automated chase emails to clients for the W-2, 1099, bank statement, K-1.
Audit Log
Every action, every user, every timestamp. Compliance-ready and dispute-proof.
Everything,
fully labeled.
Team Collaboration
Invite team members with role-based permissions and maintain complete audit trails for all activities.
Automated Workflows
Streamline your processes with intelligent automation and guided setup wizards.
Budget Management
Create and track budgets across all entities with automated alerts and variance analysis.
Smart Categorization
Automatically categorize transactions with intelligent algorithms and custom rules.
Billing & Payments
Integrated Stripe billing with subscription management and automated invoicing.
Enterprise Security
Bank-level security with encryption, 2FA, and GDPR-compliant data controls on SOC 2 certified infrastructure.
Mobile Ready
Responsive design works perfectly on all devices with progressive web app capabilities.
Comprehensive API Suite
51 production-ready API endpoints across 10 specialized modules for complete platform integration.
Performance Monitoring
Real-time system monitoring with advanced analytics and error tracking.
Net Worth Tracker
Every asset minus every debt. One number, updated daily, with a six-month trend line.
Debt Payoff Clock
Credit cards, car loans, mortgage, student loans — each with a countdown to debt-free.
Retirement Planning
401(k), IRA, pension. Contribution room, employer match, projected balance at 65.
Tax Planner
Five calculators: Safe Harbor, Roth conversion, tax-loss harvesting, capital gains, AMT.
Performance Analytics
Time-weighted returns vs. SPY and 60/40 benchmarks. Drift alerts when allocation wanders.
Document Vault
Tax docs, wills, insurance, K-1s, closing statements — uploaded once, found in seconds.
Advisor Client Switcher
CPAs and bookkeepers: deep-link into any client file in one click.
Approval Workflows
Every journal entry, every tax return signed off with a tamper-proof audit trail.
Batch Reports
Generate month-end packages for every client in one run. Branded, scheduled, delivered.
Plays well with others.
Connect Plaid for banking, Stripe for payments, and your existing advisor stack. High-fidelity data sync with zero friction.
Multi-Tenant Architecture
- Complete data isolation between organizations
- Customizable branding and settings per tenant
- Granular permission management
- Automated environment provisioning
- Real-time system health monitoring
Payment Processing
- Secure payment processing with PCI compliance
- Flexible subscription management
- Self-service customer portal
- Real-time payment notifications
Banking Integration
- Connect to 11,000+ financial institutions
- Secure bank account verification
- Automated transaction synchronization
- Real-time balance updates
Team Management
- Secure team member invitation system
- Streamlined onboarding workflow
- Granular access control management
- Complete user lifecycle management
- Flexible role and permission system
Communication
- Automated SMS notifications and alerts
- Two-factor authentication security
- Secure verification processes
- Professional email delivery system
- Automated user onboarding emails
- Payment and billing notifications
Enterprise Security
- Multi-factor authentication (2FA/SMS)
- End-to-end data encryption
- Automated threat detection
- SOC 2 certified infrastructure
- Real-time security monitoring
- Role-based access controls
Advisor Workbench
- Client switcher — deep-link into any client in one click
- Approvals queue — journal entries + tax returns signed off
- Batch reports — month-end packages for every client
- Deliverables tracker — cross-client to-do list with priorities
- Missing docs chase — automated client follow-ups
- Full audit log — every action, timestamped and signed
Production Ready
All functions deployed and tested in production environment. 100% success rate on live endpoints.
RESTful Design
Standard HTTP methods with JSON responses. Complete API documentation available for developers.
Enterprise Security
OAuth 2.0 authentication, rate limiting, and comprehensive security validation on all endpoints.
Scalable Architecture
Microservices design with Firebase Functions v2. Automatic scaling based on demand.
Ready to scale?
Our API makes it easy to plug PersonalCFO into whatever else you use.
Choose your
commitment level.
Starter
Perfect for individuals and small teams
Professional
Ideal for growing businesses
Business
For established businesses
Your legacy
starts today.
14 days free. No credit card required. Cancel anytime with one click.