Features
Everything in one place
Cash, tax, receipts, compliance, and anomalies — connected. No jumping between tools. No monthly categorisation sessions with your accountant.
Categorisation that learns your business
Connect your bank or drop a CSV and Owner CFO starts categorising immediately. Vendor rules fire first — if you always code Spark to Telecommunications, it happens automatically. For everything else, DeepSeek reads the payee description, amount and merchant type and applies the right NZ or AU tax category.
- Vendor rules fire instantly — no AI cost on known payees
- AI fallback handles edge cases, new vendors, and unusual descriptions
- GST treatment assigned per transaction: standard-rated, zero-rated, exempt, or out-of-scope
Real-time profit and loss
Most accounting tools show you a ledger — a list of money in and money out. Owner CFO shows you a real P&L: revenue by client, cost of sales separated from overhead, gross and net margin, and a cash runway figure that tells you how many weeks of runway you have at current burn.
- Revenue vs expenses by category, updated as transactions are categorised
- Client revenue rollup — see which clients are most profitable this month
- Cash runway calculated from current balance and 90-day trailing burn
GST 101A, BAS, IR3, and ATO ITR
NZ and AU tax obligations auto-fill from your categorised transactions. The GST 101A (NZ, 15%) populates boxes 5–14 live. The AU BAS (10%) does the same. IR3 for individual shareholders estimates taxable income and residual income tax. Compliance calendar tracks every due date so you're never surprised.
- NZ GST 101A: boxes 5 (sales inc GST), 8 (GST on sales), 13 (GST claimed), 14 (net) — auto-calculated
- AU BAS: GST collected and paid calculated from transactions coded to taxable supply
- Provisional tax tiles (NZ: 28 Aug / 15 Jan / 7 May) with safe-harbour flag when prior RIT < $60k
Photo once. Never key it again.
The receipt vault stores every piece of evidence in one place. Upload from your phone or desktop — Qwen2.5-VL reads vendor name, date, total, and GST component, then tries to match it against an unmatched transaction. If it finds a match, it attaches automatically. If not, it waits in the unmatched queue.
- Reads JPEG, PNG, HEIC, WebP, and PDF (multi-page) receipts
- Extracts GST component separately — critical for mixed-supply receipts
- IRD-compliant evidence chain: original file + OCR data + transaction match all stored
Catch the things you'd miss
Owner CFO runs a median + median absolute deviation (MAD) model across your transaction history. It flags spend that's statistically unusual for that vendor — a sudden invoice 3× the normal size, a subscription that doubled, a category that spiked. Anomaly alerts appear on the dashboard and as inline callouts on /review.
- Per-vendor baseline built from 90 days of history
- Spike threshold: >2× MAD above vendor median triggers a flag
- Alerts show magnitude (e.g. '3.4× your typical Xero spend') so you know if it matters
Built for multi-shareholder small businesses
Owner CFO has a full role model: owner, shareholder, accountant, viewer. Shareholders see everything — full transparency. Accountants see business rows only (no personal-use transactions) and can add queries without touching categorisations. The ICA ledger (NZ) and franking credits (AU) track imputation and RWT correctly.
- Per-transaction personal-use % apportionment — IRD's method, not a workaround
- ICA ledger auto-updated on dividend distributions; imputation ratio validated (NZ max 28/72)
- Shareholder current accounts track drawings, salary, and loan balances across the year
See it working on your numbers
14-day free trial, no credit card. Import a CSV from your bank and watch it categorise in real time.