Put your reports to work.

A report isn't a dashboard to interpret — it's a written monthly review. Every figure is computed from your statements; the AI writes the plain-English read on top, never the numbers themselves. A report includes:

• Headline metrics — the three vital signs (are you making money, how fast you get paid, can you cover what's due), colored against the same month a year ago.
• Profit & loss — totaled, every line as a percent of revenue, with monthly columns and click-into-any-account drill-down.
• Balance sheet — read against the same month last year, so you see what actually moved.
• The cash cycle — how much cash is tied up in receivables and inventory, in days.
• Receivables & payables — who's behind on paying you and who you owe (when you add an aging report).
• Executive summary, recommendations, and the questions a CFO would bring to your next conversation.
• Talk to your AI CFO — a chat you can ask about your own numbers.

A report is built in five stages, in the order they run. Three are pure, deterministic computation — no AI touches them; two are the AI. That pattern is the whole story: the numbers are calculated, the words are written on top.

• You hand over your books. Drag in your exports — Profit & Loss and Balance Sheet to start, plus cash flow and an A/R or A/P aging report if you have them. CSV or Excel from QuickBooks, Xero, or any platform — or connect QuickBooks once and Wauvel pulls them for you. Each file is read into plain rows first; nothing is interpreted yet.
• Each file is sorted and tidied — automatic, no AI. A rules-based pass decides whether each file is a detailed transaction export or a summary, collapses giant detail files down to the account rows that carry the totals, and pulls out every transaction by its dates and amounts.
• The AI reads each statement — it reads structure, not numbers. Each file goes to a reader built for its type (P&L, balance sheet, cash flow, A/R or A/P aging) that turns your particular layout into a clean, standard shape. It reads blind: your name, email, business name, and file names never reach the model.
• The engine computes every number — calculated, no AI. A calculator engine runs the figures from the standardized statements — margins, the cash cycle, liquidity, runway — reading each line as a change versus the matching prior period and as a share of revenue over time. Every figure traces back to a line you'd recognize.
• The AI writes the read, then it's assembled — it writes the words. With the numbers fixed, the AI writes the plain-English layer: what changed and why, an executive summary, three to five things worth doing this month, and questions for your accountant. It cites the engine's figures and never invents or recalculates one. Everything is assembled into one report and saved — usually about five minutes after you hit Generate.

This is the line Wauvel won't cross. A calculator engine owns the figures; the AI reads structure and writes the story on top. If a number is in your report, the engine computed it from a line in your books — the model never makes one up.

What the engine computes — pure arithmetic, reproducible, the same every time:

• Revenue, costs, and profit
• Every margin and ratio
• Period-over-period variance and common-size %
• Balance-sheet totals and the cash cycle
• Days-to-get-paid and runway

What the AI writes — plain-English judgment on top of those numbers, citing them, never computing them:

• The executive summary
• The line-by-line commentary
• The recommendations for this month
• The questions for your CPA

No black box. Every number on the page is one of the calculations below, measured against a stated comparison. The engine computes all of it; the AI only narrates it.

Horizontal — each line versus a comparable prior period.

• Δ$ = current − prior
• Δ% = (current − prior) ÷ |prior| × 100

The prior period is the one that makes the comparison fair: last month versus the month before; last quarter versus the quarter before; month- or quarter-to-date, year-to-date, and trailing-12-months versus the same window a year earlier; last year versus the year before. A whole-history view has nothing to compare against.

Vertical — each line as a share of revenue.

• % of revenue = line ÷ revenue × 100

Computed per period and rolled up as ratio-of-sums (total the dollars, then divide) — never an average of monthly percentages — so a cost ratio creeping from 12% to 18% shows up as a rising trend instead of hiding inside one period.

Working capital, liquidity & runway.

• Gross / operating / net margin = profit ÷ revenue × 100
• DSO = accounts receivable ÷ revenue × days
• DIO = inventory ÷ |COGS| × days
• DPO = accounts payable ÷ |COGS| × days
• Cash conversion cycle = DSO + DIO − DPO
• Current ratio = current assets ÷ current liabilities
• Quick ratio = (current assets − inventory) ÷ current liabilities
• Burn = −net income ÷ months · Runway = cash ÷ burn

Balance sheet, trended. Each account's month-end balance is rebuilt from its running balances and rolled up, so the current ratio, working capital, and cash trend across up to three years — every point clickable through to the transactions behind it.

Which ratios show. A quick structural read picks the lens from your books: inventory on the balance sheet points to an inventory business (DIO, DPO, the cash conversion cycle); deferred revenue points to SaaS; near-zero COGS points to services.

Connect QuickBooks from the Integrations page and every future report is one click — Wauvel pulls your statements straight from Intuit.

• You sign in with Intuit, not with us — your QuickBooks password never touches Wauvel.
• Access is read-only. Wauvel can read your financial reports (P&L, balance sheet, cash flow); it cannot change, move, or delete anything in your books.
• The tokens Intuit issues are encrypted at rest.
• You hold the off switch — disconnect anytime from Integrations and the connection is revoked and deleted.

Prefer files? The upload path stays exactly as it is, for QuickBooks, Xero, or any other export.

Every report includes a chat built on your numbers. Ask it anything about your report and it answers from your report only — citing figures the calculation engine actually computed and pulling the transactions behind any account, the same drill-down you get by clicking into a line.

It's honest about its limits: it's AI, it shows its work, it can be wrong, and it isn't professional advice — when a question crosses into tax or legal territory it points you to your CPA.

CFO Reporting and CFO Forecasting include three questions per report so you can try it; CFO Reasoning makes the conversation unlimited on every report.

At /tools you'll find free, interactive CFO calculators. Use them right in the browser (add your own line items, watch totals update live), then download a branded Excel version with the formulas already in — populated with the numbers you entered. No account is required; we just ask for an email when you download.

The tools, grouped by what they help you do:

• Reporting: Budget vs. Actual (monthly P&L) at /tools/budget-vs-actual.
• Forecasting: a 13-Week Cash Flow Forecast (/tools/13-week-cash-flow), an Annual Operating Plan builder (/tools/annual-operating-plan), a 3-Statement Financial Model (/tools/three-statement-model), and three revenue models — recurring/subscription (/tools/recurring-revenue), capacity & utilization (/tools/capacity-revenue), and funnel/transaction (/tools/funnel-revenue).
• Reasoning: a Break-Even & Contribution-Margin calculator (/tools/break-even) and a Financial-Health KPI Tracker (/tools/kpi-tracker).

Run a report or connect QuickBooks and these tools come pre-filled with your own accounts and amounts — yours to download on any plan.

At /excel we keep a practical Microsoft Excel reference for finance — the functions, macros, and shortcuts an operator actually reaches for, each with finance-flavored examples and a live demo.

• Functions (/excel/functions) — lookups (XLOOKUP, INDEX/MATCH), aggregation (SUMIFS, COUNTIFS), logic (IF/IFS, IFERROR), dates (EOMONTH, EDATE), dynamic arrays (FILTER, UNIQUE, SORT), and finance (XNPV/XIRR, PMT). Each page covers what it does, the syntax, common uses, the errors to expect, and better alternatives.
• VBA snippets (/excel/vba) — copy-ready macros: build a table of contents, export each sheet to PDF, refresh every query, remove blank rows, and write your own worksheet function.
• Tips & shortcuts (/excel/tips) — Flash Fill, paste-values, Format as Table, Go To Special, absolute references, and the keystrokes that save time.

Prefer not to build it yourself? Wauvel's free tools at /tools download as Excel models with these functions already wired in.

Every report exports to PDF and Excel, wearing your brand colors. You can share a read-only link to a report, and — when QuickBooks is connected — have a fresh report generated on a schedule and emailed to you (with CC'd recipients getting the files).

Your first report is free — no card required. After that, three tiers, all with unlimited reports:

• CFO Reporting: $99/mo (or $990/yr) — Unlimited plain-English reports on your numbers — the full monthly review, whenever you close your books.
• CFO Forecasting: $149/mo (or $1490/yr) — Everything in Reporting, plus the forward look: a rolling cash forecast and a calendar of what's landing and what's due.
• CFO Reasoning: $199/mo (or $1990/yr) — Everything in Forecasting, plus an unlimited CFO you can talk to — grounded in your own numbers, on every report.

Annual billing is two months free. You can switch tiers or cancel anytime from the Billing page, and you keep what you've paid for until your term ends.

Manage your subscription from the Billing page — upgrade, downgrade, or cancel anytime; cancelling keeps everything you've paid for until your time runs out.

On your Company page you can set your business name, brand colors (which re-skin the report, PDF, and emails), and the finance-vocabulary level the report and chat speak at — from plain English to full finance terms.

Your statements and the data we retrieve on your behalf are yours. We never sell or share your data, and never use it to train AI models.

QuickBooks access is read-only and tokens are encrypted at rest. Reports are private to your account; a shared link only shows what you choose to share. You can disconnect QuickBooks or delete your data at any time.

Still stuck? Ask the help assistant — the bubble in the bottom-right corner. It's an AI that answers from these docs, so double-check anything important.

For anything account-specific, email hello@wauvel.com. Wauvel's reports and answers are informational and are not financial, tax, legal, accounting, or investment advice — check with a qualified professional before you act on them.