Cash, tax, profit, compliance
— in one place.
Recent transactions
Adobe Creative Cloud
Software · GST claimable
-$89.00
Client — Hemi Builders
Revenue · Inc GST
+$4,500.00
Fuel — Gull
Vehicle · GST claimable
-$112.40
P&L — this month
Margin 62.4% · up 3.1pp vs last month
Last week Jane (plumber, Christchurch) found $4,200 in GST credits she'd been missing for two years.
Real transaction data. Amounts and names changed.
This week Tom (consultant, Auckland) invoiced $18,000 in 8 minutes — quotes already drafted, bank matched automatically.
Typical session with 6 months of history loaded.
Yesterday Sarah (agency, Sydney) saw her client profitability breakdown for the first time. She fired two clients the same afternoon.
Client P&L feature. Available on Starter plan and above.
Who it's for
Built for how you actually think
Not roles or personas. Real problems from NZ & AU business owners.
“I send quotes but forget to follow up”
Owner CFO shows you which quotes are going cold and when the conversion window closes. Most tradies lose 40% of quoted work to silence — because no tool ties the quote back to the cashflow gap it would fill. Ours does.
“I don't know which clients actually make me money”
Every client has a profitability score — invoiced versus time and materials. You'll know who to fire and who to clone before your next sales call. The clients who pay fastest and complain least are rarely the ones you expect.
“GST filing stresses me out every two months”
When your bank CSV lands, Owner CFO pre-fills your GST 101A (NZ) or BAS (AU). Your accountant reviews a finished return — not a shoebox of receipts. Most users cut filing prep from half a day to under an hour.
What you get
Everything a CFO watches — automated
Owner CFO replaces both your bookkeeping software and the accountant you pay to interpret it. AI does the boring parts; you keep the upside.
Photo once. Never key it in.
Your receipt photo becomes a matched, GST-split transaction in seconds. Qwen2.5-VL reads the vendor, amount and GST — then finds the transaction it belongs to.
No more end-of-quarter receipt archaeology.
Bank lands — already categorised
Import a CSV and 90%+ of transactions are tagged before you see them. Vendor rules fire first; AI handles the edge cases. You just approve.
Categorisation that learns your patterns.
GST & BAS done in minutes
NZ GST 101A (15%) and AU BAS (10%) auto-calculate from your categorised transactions. Export ready for your portal — or share with your accountant for a two-minute review.
Filing prep cut from hours to minutes.
Real-time P&L — not month-end
Revenue, expenses, gross and net profit — live, as transactions land. Drill into any line. Know your margin before the invoice is even paid.
Margin visible before month-end.
Catch what you'd miss
Median + MAD statistical model flags unusual spend, duplicate charges, and subscription spikes. Alerts show magnitude so you know if it matters.
Catch billing errors and overspend early.
Quote-to-cash pipeline
See every quote, follow-up, and won deal. When a quote is accepted it flows to an invoice; when paid it updates your cash forecast. No more warm leads going cold in silence.
48% of tradies lose work to silence — you don't.
Payroll + KiwiSaver
NZ PAYE, KiwiSaver, ESCT, and student loan — calculated correctly every pay run. Export IR348 + IR345 ready for myIR. No spreadsheets.
Payroll done right, every fortnight.
The maths
What you're paying right now
Most small businesses pay for software and for someone to use the software for them. Owner CFO collapses both into one bill.
Option
Monthly cost
Xero Ignite (NZ)
Software only — you still do the bookkeeping
$35 / mo
4–6 hrs / mo
Accountant (NZ avg)
$1,500/yr typical for a sole trader or agency
≈ $125 / mo
1–2 hrs / mo
Total: Xero + accountant
What most small businesses actually pay today
$160 / mo
5–8 hrs / mo
Owner CFO Business
Bookkeeping + tax + AI explanation in one
$39 / mo
< 1 hr / mo
You save about $111 / month — that's ≈ $1,330 / year, every year.
NZ averages. Xero Ignite $35/mo as of 2024. Beany sole-trader accounting from $145/mo; independent NZ accountants average $1,500/yr for a small business.
vs. the alternatives
How we actually compare
We're not the only option — here's what's actually different.
| Feature | Owner CFO | Xero NZ from $35/mo | Hnry 1% of revenue | Rounded NZ / AU |
|---|---|---|---|---|
| Replaces your accountant | ||||
| AI auto-categorisation | ||||
| AI explains every number | ||||
| Real P&L (not just a ledger) | ||||
| Receipt OCR + auto-match | ||||
| NZ GST 101A + AU BAS in one product | ||||
| Anomaly / spike detection | ||||
| Quote-to-cash pipeline | ||||
| Flat monthly price (no % of revenue) | ||||
| Built for owners, not accountants |
Xero NZ Ignite $35/mo as of 2024. Hnry charges 1% of invoiced revenue, capped at $1,500/year. Rounded NZ/AU with limited AI features. Data based on publicly available product pages — updated 2026.
Security & trust
Supabase ISO 27001
Row-level security
NZ data residency
No revenue share
Cancel anytime
Data export always free
FAQ
Common questions
I'm on Xero — how do I migrate?
Go to Integrations → Migrate from Xero. We pull your last 24 months of transactions, contacts, invoices, and tax codes via Xero's read-only API. Your chart of accounts maps automatically to Owner CFO's category system. Most users are running on Owner CFO in under 15 minutes — and keep Xero on read-only access until they're confident.
Do I still need an accountant?
No — that's the whole point. Owner CFO does the day-to-day bookkeeping AND explains what every number means, the way a good accountant would. Most users still want a second opinion at year-end, which is maybe 1–2 hours with an accountant instead of an ongoing monthly retainer. If you want one inside the product, invite them as an Accountant role and they see only what you choose to share.
How is this different from Xero?
Xero is built for accountants — that's why even Xero says you need one to use it properly. Owner CFO is built for the owner. The same bank import, GST return, and P&L exist, but they're presented with AI explanation and exception-flagging instead of a chart of accounts you have to learn. You don't need to know what "input-taxed" means — Owner CFO marks it correctly and tells you why.
Does it work in Australia?
Yes. AU BAS (10% GST), PAYG instalments, the AU financial year (Jul → Jun), ABN validation, and the ATO compliance calendar are all built in. The tax engine switches automatically based on your entity's jurisdiction.
Is my financial data safe?
Data is stored in Supabase (ISO 27001, SOC 2 Type II) hosted in ap-southeast-2 — closer to NZ/AU than US-region competitors. Row-level security means your data is invisible to other accounts at the database layer, not just the app layer. We never sell or share your data.
Can I cancel anytime?
Yes. No lock-in, no cancellation fees, no 12-month contracts (looking at you, Beany). Cancel from Settings → Billing and your data remains fully exportable for 30 days as CSV + PDF. We don't hold your numbers hostage.
Do the maths
Your accountant costs $1,200 a year.
Owner CFO costs $228 max.
14-day free trial. No credit card. Works for NZ (GST 15%) and AU (GST 10%). One-click Xero migration. Cancel anytime.
Already on Xero? See how the migration works →