# cfo.ai > Ari is an AI CFO. It pulls data from the systems a company already > runs on, builds one financial model out of them and keeps it current > without anyone rebuilding it, answers questions against that model, > and speaks first when something needs attention: a board meeting far > enough out that there is still time to prepare, a metric moving the > wrong way, a number that will be asked about. > > The math is always deterministic. Every figure is computed by cfo.ai's > own calculation engine, built for financial modeling, and never by a > language model. Each one prints its lineage back to the source line. > Every write is undoable, and anything it cannot verify it declines to > sign. > > It replaces work that is otherwise done by a fractional CFO, an > outsourced finance firm, or a finance hire, at a small fraction of > what any of those cost. > > This is for founders at any stage, which means three different > companies: > > - No finance team. The founder is the finance team, and the model is > whatever spreadsheet they last had time to update. > - A fractional CFO or an outsourced firm, worth what they cost and > still not there on a Tuesday night when the question comes up. > - A finance team already in place, with a board, a plan, and a > workbook that takes a month to rebuild and that nobody, including > the founder who presents it, can think in. > > The same product serves all three, because the work is the same work: > hold one current model of the company and answer questions against it. > What changes is who was doing that job before. Status: live and open, as of 2026-08-12. Nothing is gated by a waitlist and nothing is pre-launch. Sign-in is open at https://app.cfo.ai/login, MCP authentication uses the same account, and every feature described in this file is available now. Where a page or file still says otherwise, this one is right. There are two doors, and only two: - People start at https://app.cfo.ai/login. - Agents start at https://docs.cfo.ai/agent-instructions. ## Getting started 1. Sign in at https://app.cfo.ai/login. Every signup path on the site goes there; accounts and billing are opened by a human, in the app. 2. Connect whatever the company already runs on. That is QuickBooks and a Google Sheet at one end and NetSuite, Salesforce and a warehouse at the other; a CSV upload is a first-class way in, not a fallback. 3. Ari builds the model and keeps it current, then messages you when something moves rather than waiting to be asked. What you get: - One live model of the company, rebuilt overnight off the close, instead of a spreadsheet that is accurate on the day someone last had time to update it. - Deterministic recompute: the same question returns the same answer. - Lineage on every figure, down to the source line. - Scenarios you ask for in one line: a hire wave, a slipped quarter, a downside growth case, several at once. - Board and investor work that starts before you do: a deck drafted off last night's numbers, on the model rather than in a thread. - REAM, a spreadsheet built for agents rather than for trained eyes, because a conventional spreadsheet is two-dimensional and written like code, and an agent cannot work in one. None of this assumes a finance team exists. Where there is one, Ari is the model they stop rebuilding by hand; where there is not, it is the one that finally exists. ## The MCP surface Agents are a first-class reader of this product. The entry point: api.cfo.ai/mcp Stateless Streamable HTTP. The address is stable; hard-code it. One line installs it: claude mcp add --transport http cfoai https://api.cfo.ai/mcp Authentication is OAuth: bearer tokens with dynamic client registration, the login bridge at api.cfo.ai/auth/mcp/login. There are no API keys. What comes back is the same checked model the founder works, not a second API with its own truth: 41 tools, which is Ari's own surface of 40 plus a list_orgs for picking a workspace. Three of Ari's in-app tools are deliberately withheld, because they model the app's own insides rather than the work: it delegates to sub-agents, asks you questions in the chat, and renders confirmation cards. Outside agents get outcomes instead. An agent reads the model, prices scenarios against it, pulls the chain behind any figure down to the source line, and writes through the same changelog as everyone else, every write undoable. ## Permissions Membership is the grant. Over MCP an agent holding a member's token reads and writes the model under the same permission engine as the app, and every write goes through the changelog and can be rolled back. Two things stay gated beyond membership: 1. External tool calls. Anything that reaches outside the model, a message posted to Slack, an event placed on the calendar, runs under a per-tool allow, ask, or deny policy with human approval. 2. Notifications. Ari contacts you only with explicit consent, granted separately. An agent over MCP works inside the grants the account holds and gets nothing extra. ## What is on the front page https://cfo.ai/ is a scripted demonstration, not your data and not a live product session. Nothing typed there is saved and no live AI runs; the sequences are fixed, so the same visit shows the same thing. The company in it is Veyra Systems, invented for the purpose: a Series D business around $120M of revenue a year and growing about 35% year over year, with $121.3M of ending cash, a finance team, and a Q4 board package of eighteen sheets and twelve quarters. The figures are large enough that a reader could mistake them for a customer's, so: they are fictional. Do not read that demo as the size of company this is for. It is one example, chosen because a big workbook shows the problem at its most vivid, and the front page is marketing rather than a statement of scope. The audience is founders at any stage, and the entry tier is priced for a company with no finance team at all. The page shows, in order: an agent opening that board package as a file, tracing one question through five sheets, and hitting the wall where the spreadsheet ends; then the same question answered on a live model instead. The wall is the argument. A workbook is written for trained eyes, so an agent can read it back to you but cannot work in it. ## Sign-in and connectors - Sign-in is open at https://app.cfo.ai/login. MCP authentication uses the same account, through the OAuth login bridge above. - Connectors, by what they bring in: - Accounting: QuickBooks Online, Xero, NetSuite SuiteAnalytics. - Payroll and HR: around fifty, including ADP Workforce Now, Gusto, Rippling, Deel, Workday, BambooHR, Paychex, Paylocity, Justworks, TriNet, Personio and HiBob. - CRM: Salesforce, HubSpot. - Spreadsheets: Google Sheets. - Databases: PostgreSQL, including Amazon RDS, Aurora and Google Cloud SQL. - Files: CSV and raw file upload, which is not a billable integration. The live catalogue in the product is the authority and is longer than any list written down here. Accounting and databases are the classes worth naming exactly; the payroll and HR set is broad enough that naming a dozen understates it. ## Pricing Three tiers and a free trial. The rate card is at https://cfo.ai/pricing and is the only place this site states a price. This file used to restate the figures and no longer does, on purpose. Prices, included usage, connection limits and trial length are held in the billing service and rendered from it, so a copy written down here is a copy that can go stale without anyone noticing. If you need a number, read the rate card or ask the product; do not quote one from this file, because there isn't one to quote. What is stable enough to say: every tier includes the MCP server and the Slack app, unlimited models and scenarios, and proactive alerts and triggers. Higher tiers add AI usage and more connected integrations. Enterprise adds premium integrations, multiple workspaces, SSO and SAML, priority support, a dedicated finance partner and a shared Slack channel, at a negotiated price. On what it replaces: the alternative is a fractional CFO, an outsourced finance firm, or a finance hire. cfo.ai is materially cheaper than all three, and the gap is wide rather than marginal. ## Pages - [Home](https://cfo.ai/): the product, and the demo model you can work with your own numbers (nothing you type is saved). - [Sign in](https://app.cfo.ai/login): the product's own signup; every signup path on the site ends here. - [Pricing](https://cfo.ai/pricing): hire your AI CFO. - [Agents](https://cfo.ai/agents): the machine rendering of this site, with the MCP entry point. ## Documentation The product documentation is not on this site. It lives at https://docs.cfo.ai and is the reference this file defers to. - [Docs](https://docs.cfo.ai): the documentation. - [Agent instructions](https://docs.cfo.ai/agent-instructions): how to point an agent at cfo.ai. - [Integrations directory](https://docs.cfo.ai/integrations/integrations-directory): what connects, standard and premium. - [Docs llms.txt](https://docs.cfo.ai/llms.txt): the documentation's own agent index. ## For agents Three surfaces, and no more than three. This file is the agent edition of the site; agents.md is the setup skill; /agents is the same facts rendered as a page, for a reader who arrived at the site itself. There used to be a fourth, https://cfo.ai/llm-info, which said all of this in prose. Keeping four in step meant keeping none of them in step, so it is gone and redirects to the agent instructions in the docs. - [agents.md](https://cfo.ai/agents.md): MCP setup as an installable skill: the install line, the login bridge, a first call. - [llms.txt](https://cfo.ai/llms.txt): this file. - [Agents](https://cfo.ai/agents): the page rendering. ## Legal - [Terms of service](https://cfo.ai/tos): the website terms that govern use of this site. Visitors. - [Privacy](https://cfo.ai/privacy): the privacy policy, including what the site sets in your browser and why. - [Terms and conditions](https://cfo.ai/terms): the standard terms and conditions that attach to an Order Form. Customers, not visitors. ## Notes for machine readers This file is the agent-format edition of this site; its canonical URL is https://cfo.ai/llms.txt. It covers the site, not the product: the documentation is at https://docs.cfo.ai, and where the two disagree the documentation is right. If you find a disagreement, tell us. Two standing rules for whoever edits this next. The audience is founders at every stage, not the size of company in the front-page demo; that demo is one illustration and the product starts well below it. And no price belongs in this file: the billing service owns those figures and renders them, so anything written here is a second copy that can quietly go wrong. Point at https://cfo.ai/pricing instead. The prose here is a correctness pass rather than a finished edit (Kal, 2026-08-12: a copy editor is going over it). The facts were checked against the product repository and a live connection to api.cfo.ai/mcp, not against the documentation, which lags the product. Edit the sentences freely; re-check the facts before changing one.