Business AI CFO

AI CFO for wealth & business

Hire an AI Chief Financial Officer that reads your portfolio and business books — health scores, forecasts, weekly briefs, and executive summaries.

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Read-only import

Analysis-only pipelines. Capitallytics cannot transfer your capital.

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Your data stays yours

We do not sell personal information to third parties.

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Industry-standard sign-in. No OTPs or passwords over email.

Your AI CFO across Personal and Business modes

Personal CFO helps investors interpret portfolio, net worth, tax, and goals. Business AI CFO answers runway, margin, and collections questions from live ledgers.

Free includes AI CFO chat with 20 AI credits a month (1 credit per question, 5 per statement upload), up to 10 a day. Personal Pro and Business add more credits; Business adds business forecasting and the Business AI CFO.

Built for decisions, not chatbots

Insights cite your data — burn, cash, holdings, and outstanding invoices — then suggest the next ledger action.

Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations. Verify decisions with your own research or a qualified professional.

Where the numbers come from

The AI CFO does not estimate your figures. It calls tools that read the same financial snapshot your dashboards use, and the language model only explains what those tools return. In Personal mode, every amount, percentage and month count in a reply is checked against your metrics before you see it; if one does not match, the reply is replaced with a plain answer built directly from your data.

When something is missing, such as income you have not recorded, the answer says so and tells you where to add it. Sample or demo figures are never presented as yours.

Drafts and proposals, not autopilot

In Business mode you can type a sentence such as "Invoice Sharma Traders ₹40,000 plus 18% GST" and get a draft invoice card. The model fills in the party, amount and stated rate; the tax and totals are computed by the invoicing rules, and place of supply comes from your business profile and the customer's GSTIN. Nothing is saved until you confirm the card, and drafts expire after 24 hours.

Larger suggestions, such as payment plans, reclassifications, close checklists and receivable reminders, wait on a Proposals page for your approval. Alerts from a nightly rules run and a weekly brief covering cash, bills, receivables, runway and top risks keep you informed between conversations. You can also upload a bank statement in chat; statement reading is in Beta and every line is shown for review before it is saved.

Sample data · a fictional trading business, figures in ₹

Example: what sits behind two AI CFO answers

Example only. The business holds ₹12,00,000 of cash, paid out ₹9,00,000 more than it received over the last 90 days, and has ₹50,000 of bills overdue and ₹1,50,000 due in the next 30 days. Separately, the owner asks for an invoice of ₹40,000 plus 18% GST to a customer in the same state.

Figures computed by code before the AI CFO writes its reply (₹) (sample figures, not real data)
Request	Figure	Value	How it is computed
How long will our cash last?	Monthly cash burn	3,00,000	₹9,00,000 ÷ 3
How long will our cash last?	Runway	4.0 months	₹12,00,000 ÷ ₹3,00,000
How long will our cash last?	Runway after bills due	3.3 months	(₹12,00,000 − ₹50,000 − ₹1,50,000) ÷ ₹3,00,000
Draft invoice	CGST 9% + SGST 9%	3,600 + 3,600	Intra-state supply, rate from the request
Draft invoice	Invoice total	47,200	₹40,000 + ₹7,200 GST

Burn is the 90-day net cash outflow divided by three: ₹9,00,000 ÷ 3 = ₹3,00,000 a month, so cash alone lasts 4.0 months.
Paying the ₹2,00,000 of overdue and near-term bills first leaves ₹10,00,000, or 3.3 months, which is the figure the reply leads with.
For the invoice, 18% of ₹40,000 is ₹7,200, split equally between CGST and SGST because supplier and customer are in the same state. The card shows ₹47,200 and nothing is posted until you confirm it.

The AI CFO's job is to choose the right figures and explain them in plain words. The arithmetic is done by code that you can check.

AI CFO

Key features

Business AI CFO

Ask questions on revenue, OpEx, invoices, and runway.

AI financial forecasts

Scenario planning tied to your operating run-rate.

AI reports

Weekly, monthly, and executive summaries for operators.

Portfolio intelligence

Health, risk, and allocation insights for investors.

Business health score

Operating health from books — Business plan flagship.

Higher AI limits

Paid plans raise the free-tier AI CFO usage limits.

Why teams use Capitallytics

Flagship Business experience

Business Workspace + AI CFO is built for serious operators.

Two simple plans

Personal Pro (₹199/mo) for personal intelligence; Business (₹1,499/mo) adds the business OS.

Start free

Track money first; upgrade when AI depth compounds value.

AI CFO FAQ

Short answers on plans, data handling and how this works, before you sign up.

Is AI CFO free?

Free includes AI CFO chat with 20 AI credits a month (1 credit per question, 5 per statement upload), up to 10 a day. Personal Pro raises it to 300 credits/month and adds portfolio AI and reports; Business adds the Business AI CFO with 1,000 credits/month. New accounts get Pro features free for 14 days, no card needed.

Does AI CFO give financial advice?

No. Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations. Answers explain your own figures; they are not personalised investment advice.

How do I try AI CFO?

Create a free account, add your holdings or business books, then open My CFO (Personal) or Business → AI CFO. Each question costs one AI credit.

Can the AI CFO change my books on its own?

No. It can prepare draft invoices, bills and proposals, but each one waits for your confirmation and is re-checked by the accounting rules before it is saved.

Get started

Explore AI CFO — start free

Start free – no card Try the demo

14 days of every paid feature, Personal and Business. No card needed. Keep Free after.