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An AI CFO
for your business.
Without the CFO retainer.
An AI CFO for your business: reports, cash-flow forecasting, and alerts, in plain English. Your first read is free.
EncryptedOnly your account can see itHow we handle your data →
Why Wauvel
What a $150–400/hour CFO would tell you, from $99 a month.
Most small businesses can't justify a fractional CFO, so they skip the monthly report or grind it out at 9pm on Sunday. Wauvel does the report for you: pulls your numbers apart, finds what's worth your attention, writes it in plain English.
- 5 minFrom upload to a finished report
- $99A month to start. Unlimited reports, first one free.
- 3–5Things worth doing this month, straight from your numbers
- 0Finance jargon you have to Google
Weighing your options? See how we compare →See how Wauvel compares to a bookkeeper, a fractional CFO, and DIY spreadsheets →
How it works
From a messy export to a clear answer, in four steps.
- 1
Connect or upload your books
Connect QuickBooks or drop in your P&L. We handle the messy line items.
- 2
Calculate
An engine computes your margins, cash, and runway. Every figure traces back to your books.
- 3
Translate
AI turns the numbers into plain English.
- 4
Decide
A ten-minute report with 3–5 things to do, sent to your inbox, Slack, or Teams.
The honest part
Garbage in, garbage out
Your report is only as sharp as your books are clean, but you don't need perfect books to start. Upload what you have, messy corners and all, and we'll flag what's missing and how it would sharpen the report. Your first one is free. Clean detail in, clean report out.
Your report is only as sharp as your books are clean — but you don't need perfect books to start. Upload what you have and we'll flag what's missing. Clean detail in, clean report out.
What you get
The questions your monthly report answers.
- 01
Am I making money?
Revenue, costs, and profit — beside last month and last quarter.
- 02
Where is my cash actually going?
The cash tied up in unpaid invoices, inventory, and slow payers — in dollars.
- 03
Better or worse than last month?
Every number next to the prior period, with the change called out.
- 04
What should I do this month?
Three to five specific moves worth your attention this month.
- 05
What should I ask my accountant?
A short list of questions worth bringing to your CPA.
- 06
Something you can actually share.
A clean, unbranded PDF to email your accountant or investor.
Want to run a few of these numbers yourself first? Try the free break-even, runway, and cash-flow calculators →
On autopilot
Set it once. It runs 24/7.
A CFO you have to remember to check is a CFO you'll forget. Wauvel works in the background — watching your numbers, catching what's off, and only reaching out when something actually needs you.
Alerts that come to you
Set your thresholds once; get pinged the moment one trips — no logging in to check.
A standing eye on your books
A books scan on your schedule flags new issues before they compound.
Reports that run themselves
The monthly review, a daily workbook, and digests — generated and sent automatically.
Delivery
Your reports, when and where you want them.
A report you have to remember to run is a report you'll skip. Put it on autopilot: the cadence you pick, in the place you already look.
On the schedule you choose
Daily, weekly, monthly, or your own cadence — plus lighter digests in between.
To your inbox, Slack, or Teams
Posted to Slack or Teams, or emailed. CC your bookkeeper or co-founder.
Only when it matters
Set thresholds and get pinged only when something trips. No noise on quiet days.
Works with the tools you already use
QuickBooks is a trademark of Intuit Inc. Slack is a trademark of Salesforce, Inc. Microsoft Teams is a trademark of Microsoft Corporation. Wauvel is an independent integration and is not endorsed by, affiliated with, or sponsored by these companies.
Sample
A peek at a real-format report.
Sample data from Northwind Trading Co., a fictional wholesale distributor. Your report runs through the same engine and looks just like this.
Monthly review
Northwind Trading Co.
Period covered
Feb 2025 – Jul 2026
InteractiveClick any card above to change the chart. Then hover a bar for the account breakdown, or click it to drill into the detail behind that period.
Revenue by account, by quarter
Wholesale distributionRetail & e-commerceService & installation
The revenue story
Revenue reached $5.73M over the period, and it leans on one engine: Wholesale distribution carries roughly two-thirds of the top line, with retail and direct filling the rest. The most encouraging signal is the trajectory: the most recent months are running about 30% ahead of the same point last year, so this reads as a genuine ramp rather than a one-off spike.
The flip side of that strength is concentration. With wholesale doing most of the work and a handful of large accounts behind it (Cascade Outfitters alone sits on $155K of open receivables), the base is more exposed to any single customer or channel than the headline growth suggests. Worth keeping the pipeline broad enough that one slow quarter from a top account doesn't set the whole number back.
AI Click to edit
Revenue composition
2026 YTD (Jan–Jul)
By channel
| Name | Revenue | Share |
|---|---|---|
| Wholesale distribution | $1,749,795 | 70% |
| Retail & e-commerce | $528,301 | 21% |
| Service & installation | $209,420 | 8% |
| Total | $2,487,516 | 100% |
By customer
| Name | Revenue | Share |
|---|---|---|
| Lakeside Property Mgmt | $324,331 | 13% |
| Bayside Restaurant Group | $323,360 | 13% |
| Summit Ridge Hardware | $319,268 | 13% |
| Ironwood Construction | $313,933 | 13% |
| Meadowlark Grocers | $292,863 | 12% |
| Granite State Mechanical | $239,486 | 10% |
| Cedar & Vine Hospitality | $239,246 | 10% |
| Tideline Outfitters | $169,649 | 7% |
| Harbor Point Builders | $163,465 | 7% |
| Northgate Supply Co. | $101,915 | 4% |
| Total | $2,487,516 | 100% |
What you should know
Revenue is up about 30% and margins are widening, but the growth is being financed by the balance sheet, and cash is getting tight.
Northwind is growing, and growing profitably. Over the period it turned $5.73M of revenue into $2.29M of gross profit (a clean 40% gross margin) and $460K of operating income (8.0%), with the most recent months running about 30% ahead of a year ago. Operating expenses grew slower than sales, so operating margin is widening as the business scales. On the income statement, this is a healthy company.
Questions for your next conversation
- Inventory has grown to $760K, about 119 days on the shelf. Which SKUs are slowest, and what would it take to get back toward 90 days without risking stockouts?
- Cash fell from $315K to $160K over the year even though we were profitable: the growth tied it up. Are we comfortable with that trajectory, or do we want to slow the working-capital build?
- The line of credit went from $0 to $230K. What's the payback plan, and should we be resizing or terming out the facility while the business is strong?
The excerpt above is the front page. The full version includes the line-by-line numbers, a working-capital deep-dive, three to five things worth doing this month, and questions for your next conversation.
View the full sample →Founder
Blake Ekelund
Finance · Founder of WorkChores
CFO-level work at two companies, both through an acquisition, then the same read for small businesses. Wauvel is that read, every month — and if a number doesn't make sense, you'll hear back from a human.
See the full background on LinkedIn →I've spent my career in finance: CFO-level work at two companies, both through an acquisition, and, as founder of WorkChores, the same analysis for small businesses across a lot of industries.
It's the same job every time: read a company's numbers and turn them into a decision. Do enough of them and the patterns get familiar: the profitable business quietly short on cash, the margin slipping under growth, the one customer who's really the whole risk. Wauvel is that read, handed to you every month.
I built it to be a report I'd put my name on: calculated straight from your books, written in my method (not a generic AI prompt), and every line yours to edit.
If something in your report doesn't make sense, email hello@wauvel.com. You'll hear back from a human.
Pricing
Here's what it costs.
Your first report is free, no card required. After that, two plans: Reporting at $99/mo — your whole finance function, from unlimited reports to the cash forecast, watch-outs, and alerts — and Reasoning at $399/mo, which adds an AI CFO that remembers your business and that you can talk to in Slack or the dashboard. Cancel anytime.
Start free
Live dashboard
Your numbers, always on.
Free
See cash, runway, and revenue live, plus one full report on your own books — no card required.
Get the free dashboard →Start here
Wauvel Reporting
Your finance function, reported.
$99/mo
or $990/yr — two months free
Unlimited plain-English reports, a live dashboard, a 13-week cash forecast, books watch-outs, and custom alerts — delivered to your inbox, Slack, or Teams.
Get Wauvel Reporting →The CFO that remembers
Wauvel Reasoning
A CFO that remembers your business.
$399/mo
or $3990/yr — two months free
Everything in Reporting, plus an AI CFO that carries your business month to month — it remembers your trends, the calls you've made, and what you've told it — and a live CFO you can ask anything, in Slack or the dashboard.
Get Wauvel Reasoning →Compare every plan
| What's included | Free$0 | Wauvel Reporting$99/mo | Wauvel Reasoning$399/mo |
|---|---|---|---|
| Reports & the numbers | |||
| Full report on your own books | 1, free | Unlimited | Unlimited |
| Live dashboard — cash, runway, working capital & revenue | Daily refresh | Real-time | Real-time |
| P&L, balance sheet & cash flow, in plain English | |||
| Computed KPIs, margins & ratios | |||
| Executive summary, commentary & ranked recommendations | |||
| Receivables & payables read — who's late, cash-gap | – | ||
| Customer concentration & revenue risk flags | – | ||
| Connect multiple companies on one plan | – | ||
| PDF & Excel exports, your branding | – | ||
| QuickBooks sync & file upload | |||
| The forward look | |||
| 13-week rolling cash-flow forecast | – | ||
| Annual operating plan + budget-vs-actual | – | ||
| Live 3-statement model & what-if scenarios | – | ||
| Forward A/R & A/P calendar | – | ||
| Monitoring & delivery | |||
| Books watch-outs — the errors a bookkeeper looks for | – | ||
| Custom alerts — low cash, overdue A/R, big transactions | – | ||
| Trend signals — margin, revenue & cost slopes | – | ||
| Scheduled reports & daily digests | – | ||
| Delivery to email, Slack & Microsoft Teams | – | ||
| The CFO that remembers you | |||
| Live AI CFO chat — ask anything, in Slack or the dashboard | 3 / mo | 3 / mo | Unlimited |
| Cross-month memory — it remembers your trends & decisions | – | – | |
| An editable memory you curate — teach it what matters | – | – | |
| Custom report concierge — request any report you need | – | – | |
Every paid plan is unlimited and cancels anytime. See how it stacks up against a bookkeeper or fractional CFO →
FAQ
Questions, answered.
How much does Wauvel cost?
Your first report is free, no credit card. After that there are two plans. Wauvel Reporting ($99/mo) is your whole finance function: unlimited reports, the live dashboard, a 13-week cash forecast, watch-outs, and alerts. Wauvel Reasoning ($399/mo) adds an AI CFO that remembers your business month to month and that you can talk to in Slack or the dashboard. Annual billing is two months free, and you can cancel anytime.
Is the first report really free?
Yes. Your first monthly report is free and doesn't require a card. You only pay if you choose to keep generating reports after that.
Do I need QuickBooks to use Wauvel?
No. Export your P&L and balance sheet (monthly, since January of last year, so we can show trends), plus your A/R and A/P aging summaries, and upload them — or connect QuickBooks Online for a one-click pull. Either way we handle the messy line items most small-business books have.
How long does a Wauvel report take?
About five minutes, from upload to a finished, plain-English report you can read in ten.
Can I get reports automatically, on a schedule?
Yes. Wauvel can generate reports on the cadence you choose (daily, weekly, monthly, or a custom schedule) and deliver them on their own. The full monthly review runs when your books close; lighter daily or weekly digests keep cash, invoices, receivables, and runway in front of you between reviews.
Does Wauvel work with Slack or Microsoft Teams?
Yes, both. Connect Slack or Teams and your reports and scheduled digests post straight to the channel you choose, so your numbers land where your team already works, not just your inbox. Send to email, Slack, Teams, or any combination.
Is my financial data secure?
Your files are encrypted in transit and at rest, and only your account can see them. The AI that reads your statements is Claude, whose terms forbid training on your data, and your name and business never reach the model. We never sell or share your data. Full detail is on our security page.
Is Wauvel actively maintained?
Yes. We ship improvements every week — new reports, integrations, and security hardening — with no roadmap theater. Every change is dated on the public changelog.
Is Wauvel a replacement for an accountant or CFO?
No. A Wauvel report is a starting point for decisions, not professional financial, tax, or accounting advice. Material decisions should be reviewed with a qualified CPA or advisor.
More detail on how we handle your data and everything we ship each week.
The fine print, plainly stated
AI-generated content
Reports generated by Wauvel use AI analysis of financial data you provide. The system can make mistakes. Reports are a starting point for discussion, not professional financial, tax, or accounting advice. Material decisions should be reviewed with a qualified CPA, CFO, or advisor before you act.
Liability
Wauvel makes no warranty as to the accuracy, completeness, or suitability of generated content for any particular purpose. You retain responsibility for the accuracy of input data and for reviewing all output before sharing it.