Built for individuals and founders
Your money and your company's books, with an AI CFO.
Track net worth, SIPs, loans and tax as an individual. Run books, GST, cash flow and forecasts as a founder. Two separate workspaces, never mixed, and one AI CFO that answers from your own data.
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Business · Home
Sample dataCash
₹4,95,000
−9.2% vs Aug
Bills due · 30 days
₹3,00,000
Net income · Sep
₹60,000
Booked, not cash
Cash balance
Month-end · 6 months
Top risk · high
₹1,20,000 overdue across 1 bill
AI CFO
Sample data“When will I run out of cash?”
Runway after bills due is 1.0 month: ₹4,95,000 cash less ₹4,20,000 of overdue and 30-day bills, at a cash burn of ₹76,667/mo.
“We built Capitallytics because fragmented broker apps and spreadsheets fail modern investors and founders.”
Live preview
Business Home, running on sample data
The real components, fed a fictional company's books. Hover the chart for month-end figures, or switch it to a table.
Business · Home
Sample dataTrust
How the numbers are computed
Fixed formulas and rules produce every figure; the AI only explains them. The sample data above is calculated the same way as your own books.
Runway after bills due
(Cash − overdue bills − bills due in the next 30 days) ÷ monthly cash burn
Rounded to one decimal. When bills due already exceed cash, rule AP-3 flags it.
- AP-3
Cash burn
(Cash out − cash in) over the last 90 days ÷ 3
Measured from cash that actually moved, not booked profit. If more came in than went out, there is no runway limit to show.
Fixed risk rules, before any AI
Deterministic checks on the posted ledger and open bills and invoices
Overdue bills against cash, 30-day obligations, losses, concentration and records that do not match the books.
- LIQ-1
- LIQ-2
- AP-1
- AP-2
- AP-3
- AP-4
- PROF-1
- CONC-1
- DATA-1
Number guard on AI answers
Every figure in an AI CFO reply is checked against the computed numbers
A reply with a figure that does not match is regenerated, or the figure is removed or replaced with an answer built from the computed numbers.
Read-only import
Statements and CAS files are read for analysis only
Capitallytics cannot move, trade or transfer money, and Business figures never become Personal income.
Controls, encryption and data handling are on the security page.
Connected financial system
See your financial system work as one
Import financial data once. Capitallytics posts it to one ledger, and every report, risk check and AI answer reads that same ledger. The examples below are real product components running on a fictional sample book.
Top risk
The biggest risk in your books, before you ask
Deterministic rules run over your posted ledger and open bills and invoices: liquidity, cash after 30-day obligations, overdue bills, profitability, customer and vendor concentration, and data integrity. The most severe finding leads Business Home, with the next step to take.
The rules run before any AI model. An assistant may explain a finding, but it cannot invent one.
Business Home
Sample data₹1,20,000 overdue across 1 bill
1 bill is past due for ₹1,20,000 as of 10 Oct 2026. Posted cash is ₹4,95,000.
- Books show no payments against ₹5,40,000 of open bills
- Net loss of ₹2,40,000 over the last 3 months
- Northwind Cloud is 44.4% of payables
- Acme Retail is 66.0% of receivables
- LIQ-1 Overdue bills vs cash
- LIQ-2 Cash after 30-day obligations
- AP-1 Overdue bills
- AP-3 30-day obligations vs cash
- PROF-1 3-month net loss
- CONC-1 One party > 25% of AP or AR
- DATA-1 Records that differ from the books
Know what needs attention first — with the rule and the next step.
Booked vs Cash
Profit is not cash. Capitallytics shows both.
Revenue, expenses and profit are booked when an invoice or bill is posted. Cash moves only when a payment or receipt is posted. One switch flips every view between the two, and each figure says which basis it uses.
In the sample September the books show a profit of ₹60,000, while cash fell by ₹50,000: open invoices raised revenue, not cash.
September 2026
Sample dataRevenue (booked)
Net income
Never confuse a profitable month with a cash-rich one.
AI CFO
Answers grounded in your books, with points to review
Ask about runway, overdue bills or your biggest expenses. AI CFO reads the same risk facts as Business Home: cash, bills and invoices due, cash burn, runway after bills due and concentration.
In Personal and in Business, every amount, percentage and month count in an answer is checked against your figures and the data the AI CFO read; if one does not match, you get the deterministic answer instead. The answer here is the deterministic one, built from the sample book.
Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations.
AI CFO
Sample dataWhen will I run out of cash?
Cash covers 413% of overdue bills (₹4,95,000 of ₹1,20,000). If you pay them now ₹3,75,000 of cash remains. Runway after bills due is 1.0 month: ₹4,95,000 cash less ₹4,20,000 of overdue and 30-day bills, at a cash burn of ₹76,667/mo. On cash alone it is 6.5 months.
Things to review
- Collect ₹1,80,000 of overdue receivables.
- Chase ₹3,50,000 of receivables due in the next 30 days.
- Review the largest expense accounts and cut what is not essential.
Cash burn = (cash out − cash in) over the trailing 90 days ÷ 3, based on 13 Jul – 10 Oct 2026. Runway after bills due = (cash − overdue bills − bills due in 30 days) ÷ cash burn.
Ask in plain words; answers start from the same figures as your dashboards.
Personal workspace
Personal finance, kept personal
Your household runs in its own workspace: net worth, cash flow, portfolio, goals and tax. Business figures stay in Business; a business you own can appear only as a clearly labelled ownership asset.
Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations.
Explore Personal financeNet worth
Assets and liabilities in one statement, with business ownership shown once as a labelled asset — never as income.
Cash flow & budget
Income, expenses, subscriptions and budgets from your own ledger. Business revenue never enters personal cash flow.
Portfolio
Holdings, XIRR, allocation and concentration across Indian and global investments.
Goals & FIRE
Goal funding, retirement and financial-independence projections that state their assumptions.
Financial health
A health score with the components behind it, so you can see what moved and why.
Calculators
SIP, XIRR, CAGR, EMI, tax and more — each with a worked example and the formula.
How it works
A financial operating system — not a toolbox of disconnected features.
- 01
Connect
Bring in spreadsheets, statements, holdings, and integrations. Import stays read-only — Capitallytics cannot transfer funds.
- 02
Understand
Personal files stay in Personal. Business statements become canonical actuals with source and provenance on each record.
- 03
Plan
Plan household goals and budgets, or build income statements, forecasts, and financial projects for the company.
- 04
Monitor
See net worth and spending in Personal, or revenue, expenses, cash flow, and KPIs in Business — never mixed.
- 05
Ask AI
Ask questions against the financial system you are already building — personal ledgers or business books.
- 06
Act
Open Forecast, classify a line, or export a report. Insights point to the next financial action.
Trust
Built for people who take financial data seriously.
Privacy first
Your financial data is yours. We do not sell personal information to third parties.
Secure by design
Encrypted connections, secure authentication, and read-only import pipelines for statements.
You own the data
Hosted on reliable infrastructure with access controls. Export when you need a report.
Encrypted connections
Traffic uses HTTPS. Authentication goes through industry-standard providers, with optional two-factor sign-in. Statement and CAS import is designed as analysis-only — Capitallytics cannot move, trade, or transfer underlying assets.
Workspaces that never mix
Personal and Business data live in separate workspaces with row-level access rules. Business revenue never becomes personal income.
What is Capitallytics?
Explore Capitallytics products
Frequently asked questions
Straight answers on plans, pricing, imports, your data and what the AI CFO does not do.
What is Capitallytics?
What is the official Capitallytics website?
Who founded Capitallytics?
Is Capitallytics free?
What do Personal Pro and Business include?
Is this financial advice?
How do imports work?
Who is Business Finance for?
Run personal and business finances in one financial workspace.
Import once. Capitallytics organizes Personal and Business in separate workspaces, then AI explains the numbers you already track.
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Explore Capitallytics
Product pages and guides, grouped by what you want to get done.