Every part of a CFO, built into one product.
Nine capabilities, designed to stand alone and compose into a coherent system. Each one converts raw bank data into a decision a founder can act on the same day.
AI powered analysis.
Finntree processes thousands of transactions in seconds, identifies spending anomalies, predicts cash flow at 30, 60, and 90 days, and generates CFO level advice tuned to the chosen risk profile.
- +Pattern recognition across 24 months of historical variance
- +Forecasts for cash, revenue, and burn at 30, 60, and 90 days
- +Anomaly detection with confidence scores per transaction
- +Three risk lenses: Conservative, Balanced, Aggressive
Cash flow analysis
Smart upload.
Drop a bank statement in PDF, CSV, or Excel. Any language, any bank, any format. Finntree parses, classifies, and reconciles every transaction automatically, in under thirty seconds.
- +PDF, CSV, and Excel parsing with table extraction
- +Multi language: Greek, German, English, French, Spanish, and more
- +Automatic deduplication across overlapping statements
- +Provenance preserved at the transaction level
Upload statements
Live dashboard.
Revenue, expenses, margins, burn rate, and runway in a single view. Updates the moment a transaction posts. No quarterly lag, no waiting on a closed period.
- +Real time computation against the live ledger
- +Drill down from KPI to source transaction in two clicks
- +Custom views per audience: founder, board, lender
- +Exportable as PDF, CSV, or share link
Dashboard · February 2026
COGS vs OpEx.
A 150 plus vendor knowledge base auto classifies costs as Cost of Goods Sold or Operating Expenses, vendor by vendor, transaction by transaction. Real gross margins, calculated correctly.
- +AWS, OpenAI, Stripe, Twilio, and the long tail of SaaS already classified
- +Confidence scored, never silent. Below threshold transactions surface as a question
- +Decisions train the system; a founder answer is remembered forever
- +Per audience overrides for SaaS, AI, agency, and e commerce models
Vendor classification
Cloud spend analysis.
Built in AWS, GCP, and Azure cost tracking. Track quarter over quarter growth by provider. Find waste. Watch cloud spend as a percent of revenue.
- +Decomposition by service: compute, storage, egress, managed
- +Idle resource and oversized instance detection
- +Anomalous egress alerts within 24 hours
- +Benchmark: cloud as a percent of revenue, against peer cohort
Cloud spend · Q1 2026
Seven AI alert types.
Finntree fires alerts before problems hit the bank balance. Each alert is tunable per business; thresholds learn from historical variance instead of arbitrary defaults.
- +Expense spikes, category overruns, and vendor anomalies
- +Cash shortage, runway warnings, and burn rate drift
- +COGS drift and gross margin erosion
- +Routing to email, Slack, or webhook
AI alert feed
Multi language parsing.
Upload statements in any language. AI reads and categorizes from any bank worldwide, normalizing currency, date format, and merchant names along the way.
- +Greek, German, English, French, Spanish, Italian, Portuguese, Dutch
- +Currency conversion at posted exchange rate, with audit trail
- +Merchant name normalization across spelling variants
- +Localization aware: VAT, IBAN, BIC, and EU specific fields preserved
Multi language sample
Ask the CFO.
A conversational interface to the live ledger. Ask any financial question and receive a grounded answer, with the supporting numbers and the assumptions that produced them.
- +Grounded in the live ledger, not generic finance advice
- +Every answer cites the transactions and metrics that support it
- +Risk lens applied automatically: Conservative, Balanced, Aggressive
- +Saved threads share with team and investors
AI CFO advisor
Hiring readiness.
Calculate the runway impact of a hire before opening the requisition. Salary, benefits, equity, and onboarding ramp modeled against current cash position and revenue trajectory.
- +Loaded cost: salary, benefits, taxes, equipment, software
- +Ramp adjusted: productivity weighted over the first 90 days
- +Scenario stack: model multiple hires in sequence
- +Output: runway delta and cash position at end of quarter
Hiring impact
Questions, answered.
The product is built around a small set of decisions. The answers below are the ones founders ask most often before connecting a bank.
How does Finntree's AI CFO work?+
Finntree analyzes your uploaded bank statements and invoices using advanced AI. It calculates key financial metrics like profit margins, burn rate, and runway, then provides strategic recommendations with specific dollar amounts and timelines based on your actual data.
What is COGS vs OpEx classification?+
Finntree automatically separates your expenses into Cost of Goods Sold (costs directly tied to delivering your product) and Operating Expenses (internal costs like rent and tools). This gives you accurate gross margins. Our 150+ vendor knowledge base handles most classifications instantly, and when unsure, asks you once and remembers forever.
How does cloud spend analysis work?+
Finntree automatically detects payments to cloud providers like AWS, GCP, Azure, Vercel, and 20+ others. It groups spend by provider, calculates quarter over quarter growth, flags waste patterns like duplicate services or price spikes, and shows your cloud cost as a percentage of revenue with industry benchmarks.
What file formats does Finntree support?+
Finntree supports PDF bank statements, CSV files, and Excel spreadsheets (xlsx/xls). Our AI can read statements in any language, including Greek, German, English, French, and Spanish.
Is my financial data secure?+
Yes. All data is encrypted at rest and in transit using AES-256 encryption with TLS 1.3 in transport. We never store raw bank credentials. Our infrastructure follows SOC 2 compliance standards with continuous monitoring and automatic backups.
How accurate is the AI categorization?+
Our AI correctly categorizes 85 to 95 percent of transactions on first upload. For COGS classification, our vendor knowledge base covers 150+ common vendors with 85 percent or better accuracy. You can override any classification with one click, and the system remembers your decisions for future transactions.
Can I track my gross margins over time?+
Yes. Finntree shows a margin trend chart with Revenue, COGS, and Gross Margin percentage plotted monthly. You also get alerts when your COGS grows faster than revenue, helping you catch margin erosion early.
Does Finntree work for SaaS and AI companies?+
Absolutely. Finntree is built with SaaS and AI wrapper companies in mind. It correctly classifies cloud infrastructure and API costs as COGS (not OpEx), tracks cloud spend by provider, and provides SaaS specific benchmarks like cloud cost as percentage of revenue.
One product. Every finance answer.
Drop the first statement and the dashboard is live before the kettle boils. Fourteen day free trial, full AI CFO access, no card required.