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 — and every word of that writing is yours to edit. A report includes:

• Overview — the front page. A KPI board of the five reads an owner glances at: Revenue and Profitability from the P&L, Cash on hand, Runway, and Working capital from the balance sheet. Select any tile and it opens its own trend chart and a plain-English story of what's happening and why.
• 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, and trended month by month, 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.
• Forecast — the same numbers turned forward: a 13-week cash flow, an annual operating plan, and a live 3-statement model you can steer.
• Talk to your AI CFO — a chat you can ask about your own numbers.

Every written section is AI-drafted and yours to change: hover any commentary and click to reword it. Your version saves, overrides the AI original, and is what shows on the report — and to anyone you share it with. One click reverts to the AI version.

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. The computed report is saved and readable the moment the numbers are done — statements, KPIs, and charts all there — while the AI writes the plain-English layer on top: 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. The written read streams in as it finishes, usually within a few minutes of Generate — so you're reading real numbers, not staring at a spinner.

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

Because that layer is writing, not calculation, it's yours to change: reword any AI-written line right in the report and your wording saves over the model's (revertible in one click). The figures underneath never move.

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.

To connect:

• Open Company → Integrations.
• Click Connect QuickBooks and sign in through Intuit.
• Choose the company to link. That's it — head to New report to generate.

How the connection is kept safe:

• 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.

Connect Slack and Wauvel posts your reports, scheduled digests, and alerts straight into the channel you choose — so your numbers land where your team already works.

To connect:

• Open Company → Integrations and click Add to Slack.
• Sign in through Slack and pick the one channel where posts should land.
• Back in Wauvel, click Send a test to confirm the wiring.

New to Wauvel? Connecting Slack is an optional step in the setup wizard, so you can do it the moment you sign on.

What Wauvel can and can't do in Slack:

• One channel, write-only. We use Slack's incoming-webhook — we can post to the channel you chose and nothing else.
• We can't read your messages. No message history, no other channels, no DMs.
• Yours to cut. Disconnect from Integrations anytime, or remove the webhook in your Slack workspace.

Running more than one company? If you're a bookkeeper, accountant, or you run several businesses, set it up as one channel per company: make a dedicated Slack channel for each business and point each one at its own Wauvel company. That keeps every company's reports and alerts in their own channel — so there's no chance of one business's numbers landing in another's.

Once connected, "Slack" becomes a delivery channel you can pick for any scheduled report or digest on the New report page — on its own or alongside email.

Teams works like Slack, with one difference: instead of an "Add to" button, you create a webhook in your Teams channel and paste its URL into Wauvel. (Teams generates the URL; we just post to it.)

Get the webhook URL in Teams — the current way (Workflows):

• In Teams, hover the channel and click the ⋯ (More options) → Workflows.
• Pick the template "Send webhook alerts to a channel." (Choose the "channel" one, not "chat," and not the "from specific people / from people in an org" variants.)
• Name it, confirm the team and channel, and Create.
• Copy the HTTP POST URL it gives you (a link on powerplatform.com, or on logic.azure.com in older tenants).

Older Teams tenants may instead have the classic "Incoming Webhook" connector (Channel → ⋯ → Connectors → Incoming Webhook → Configure), which produces a webhook.office.com URL. Wauvel accepts either. Note that Microsoft is retiring the classic connectors in favor of Workflows, and that creating one may need permission from your Teams admin.

Then, in Wauvel:

• Open Company → Integrations, find the Microsoft Teams card, and paste the URL.
• Click Save, then Send a test to confirm a card lands in your channel.

Running more than one company? Same rule as Slack — one channel per company. Create a separate Teams channel (with its own webhook) for each business and point each one at its own Wauvel company, so every company's posts stay in their own channel.

Like Slack, the webhook is write-only — it can post to that one channel and nothing else — and you can disconnect anytime from Integrations. Once connected, "Teams" is a delivery channel you can pick for any scheduled report or digest.

You don't have to remember to run a report. From the "Schedule & automate" section of the New report page, Wauvel can generate and deliver reports on their own — on the cadence you choose, to the channel your team already uses.

• Monthly auto-run — the full plain-English review, generated when your books close and emailed to you (CC'd recipients get the PDF and Excel files). Pick the day and time, per company.
• Daily, weekly, or custom digests — a lighter, numbers-only pulse of your live QuickBooks figures: cash position and the change since yesterday, money in and out today, invoices issued, A/R and A/P aging, cash runway, and expense run-rate. Choose which sections to include and how often it sends — every day, weekdays, a day of the week, a day of the month, or your own cadence.
• Alerts only, if you want — set thresholds (low cash, receivables slipping past due, a large transaction, short runway) and have a digest send only on days something trips, so quiet days stay quiet.

Where it's delivered:

• Email — to your account address or any address you set, with optional CC recipients.
• Slack — connect Slack from the Integrations page and reports and digests post straight to the channel you pick.
• Microsoft Teams — connect Teams from Integrations (paste the webhook URL your channel gives you) and posts land there too. Send to email, Slack, Teams, or any combination.

Scheduling and digests need a connected QuickBooks company. Daily and weekly digests are part of the Wauvel CFO plan and up.

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.

A free account gets three questions per report so you can try it; a Wauvel CFO plan 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, combine every file in a folder into one sheet, 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 — it shows only what you choose to share.

Want reports to arrive on their own — daily, weekly, or monthly, by email, Slack, or Teams? See Scheduling & delivery.

Your first report is free — no card required. After that it's one plan, with everything included and unlimited reports:

• Wauvel Reporting: $99/mo (or $990/yr) — 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.
• Wauvel Reasoning: $399/mo (or $3990/yr) — 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.

Annual billing is two months free. You can 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.