CFO Reporting vs CFO Reasoning: what's the difference?

Wauvel has two plans, and the difference between them is exactly one thing. Both get you the same monthly review — same statements, same analysis, same everything on the page. CFO Reasoning adds an unlimited conversation about it. Here's the full picture, so you can pick the right one — and only the right one.

What both plans include

The report itself is identical on every plan. Whether you're on CFO Reporting ($99/month) or CFO Reasoning ($199/month), every review includes:

• The three statements, readable. Your P&L with a period picker and click-into-any-account detail, your balance sheet read against the same month last year, and your cash flow.
• Computed KPIs. Margins, liquidity, days-to-get-paid, the cash conversion cycle — real arithmetic from your actual statements, never AI guesses.
• The written read. An executive summary, commentary on each statement, strategic recommendations, and the questions a CFO would bring to your next conversation.
• Your brand on everything. The report, the PDF and Excel downloads, and the delivery emails all wear your colors.
• Automation.Connect QuickBooks Online and reports can generate themselves on a schedule and land in your inbox — with CC'd recipients getting the files.
• Five reports a month.Credits roll over while you're subscribed. Annual plans load the year's sixty up front.

The one difference: Talk to your AI CFO

Every report ends the same way: you read it, something catches your eye, and you have a question. "What's actually in software spend?" "Why is margin down if revenue is up?" "Which of these recommendations would you do first?"

Talk to your AI CFO is the answer to that moment — a conversation built into every report. It's not a generic chatbot: it reads only your report, cites only figures the calculation engine actually computed, and can pull the underlying transactions behind any account — the same drill-down you get by clicking into a line. Ask where the money went in March and it answers with dates, names, and amounts. It even speaks at whatever level you set on your Company page, from plain English to full finance vocabulary.

It's honest about its limits, too: when a question crosses into tax or legal territory, it says that's one for your CPA — and every conversation carries a plain disclaimer that you're talking with AI, not a licensed professional.

What CFO Reporting includes

CFO Reporting comes with a taste: three questions per report, included. Enough to ask about the number that's bugging you and feel how the conversation works — on every single report, not just the first one. When the three are used, the report keeps working exactly as before; the conversation just waits for CFO Reasoning.

What CFO Reasoning unlocks

CFO Reasoning makes the conversation unlimited, on every report. Same five credits a month, same report — the extra $100 buys you a CFO you can keep talking to: push back on a recommendation, work through a pricing change, ask the same question three different ways until it clicks. The conversation is saved with each report, so you can pick it back up next week where you left off.

The honest math

• CFO Reporting — $99/month, or $990/year (20% off). The full review, five reports a month, three questions per report.
• CFO Reasoning — $199/month, or $1990/year (20% off). Everything in CFO Reporting, plus the unlimited conversation.
• Either way, you start free. Your first report costs nothing and doesn't ask for a card — and it includes the three questions, so you can try the conversation before paying anyone anything.

Our honest advice: if you read the report, nod, and file it — CFO Reportingis plenty, and we'd rather you under-buy than over-buy. If you catch yourself wanting to argue with it, ask follow-ups, or use it as a sounding board before decisions — that's what CFO Reasoningis for, and it's still a tenth of what a fractional CFO runs.

Switching takes two clicks

Plans switch from the Billing page — upgrade when a big decision month is coming, step back down after. Credits and reports carry straight through either way, and cancelling keeps everything you've paid for until your time runs out.