Every Feature. Explained.
The complete financial OS
for your startup.
20+ tools built for founders who need CFO-level intelligence without the CFO price tag. From day one to Series A.
20+Features
6AI Tools
3Report Types
$0to start
Core Features
The financial dashboard
every startup needs.
Real-time visibility into the numbers that matter most — always live, no manual spreadsheet updates required.
Real-Time Dashboard
Your complete financial health at a glance. Every metric updates the moment you add a transaction — no refresh needed, no stale data.
- Current cash balance — always live
- Monthly burn rate (3-month rolling avg)
- Runway in months with color-coded status
- Monthly Recurring Revenue (MRR)
- Revenue vs expenses chart
- Cash balance over time
- Top expense categories breakdown
Free
Transaction Tracking
Log every dollar in and out. Add transactions manually, import from CSV, or let AI auto-categorize them as you type.
- Income & expense logging
- Recurring transactions (weekly / monthly / yearly)
- AI auto-categorization from description
- Bulk CSV import & export
- Search, filter by type and category
Free
Anomaly Detection
Fintoit automatically scans your transactions for unusual patterns and flags them before they become problems — even for brand-new accounts.
- Expense spikes by category
- Revenue drops month-over-month
- Burn rate surges
- Zero-revenue months with expenses
Starter
KPI Dashboard
The metrics investors actually ask about — calculated automatically from your real transaction data, no manual entry needed.
- ARR & MRR
- Month-over-month revenue growth
- Gross margin
- Burn multiple
- CAC, LTV, LTV:CAC ratio
- Net revenue retention (NRR)
Pro
6-Month Cash Forecast
AI projects your cash balance 6 months out based on your actual spending trends. See where you'll land before you get there.
- Revenue trend projection
- Expense growth modeling
- Side-by-side vs actual chart
- Projected average revenue & burn
Starter
Budget Tracking
Set spending limits by category or department and see real-time progress against them. Get alerted before you go over.
- Category & overall budgets
- Department-level budgets
- Live actual vs budget tracking
- Alerts at 75%, 90%, 100%
- Budget owner assignment
Starter
Financial Goals
Set targets for cash, revenue, expenses, or runway. Track progress visually with charts that show you exactly how close you are.
- Cash balance goals
- MRR / revenue targets
- Expense control goals
- Runway targets
- Deadline tracking with progress charts
Starter
CSV Import & Export
Bring your existing data in from any spreadsheet and take it back out any time. Download a template to get started in seconds.
- Bulk CSV transaction import
- Export full transaction history
- PDF financial report export
- Downloadable CSV template
Free
AI Features
Your AI CFO. Ask it
anything about your finances.
Six AI-powered tools that give you insights, answers, and reports that used to require a full-time finance team.
AI CFO Chat
Ask your finances anything in plain English. The AI knows your exact numbers and answers instantly — no dashboards to click through.
- "What's my runway if I hire 2 engineers?"
- "Where am I spending the most?"
- "How is my revenue trending?"
- "Am I on track to hit my goals?"
- 7-day chat history preserved
- Powered by Llama 3.3 70B via Groq
Starter
AI Financial Insights
Get a full financial health analysis generated by AI from your real data — health score, warnings, cost savings, and growth recommendations.
- Financial health score (1–10)
- Key insights from your data
- Urgent warnings & red flags
- Cost optimization opportunities
- Growth recommendations
- Concrete next steps for this week
Starter
AI Auto-Categorization
Start typing a transaction description and AI suggests the right category instantly. No more manual tagging of every line item.
- Works for both income & expenses
- Learns from your description as you type
- Covers 20+ standard categories
Free
AI Board Report Narrative
Enter your highlights, challenges, and next quarter plan — AI writes a professional 2-paragraph board narrative using your real financial data.
- Data-driven, specific to your numbers
- Ready for board of directors
- Exports to polished PDF instantly
Starter
AI Investor Report
Enter your tagline, stage, and use of funds — AI writes a 3-paragraph professional investor narrative backed by your real metrics.
- Professional financial narrative
- Revenue trends & growth analysis
- Use of funds & path to milestones
- Exports to investor-ready PDF
Starter
Accounting Suite
Full accounting without
an accountant.
Financial statements, invoices, bills, tax docs, and vendor management — everything a growing startup needs in one place.
Income Statement (P&L)
Revenue and expense breakdown by category for any date range. Select a quarter, year, or custom period with one click.
- Revenue by category
- Expenses by category
- Net income & profit margin
- Custom date range selector
- Q1–Q4 quick-select buttons
Free
Balance Sheet
A complete snapshot of your assets, liabilities, and equity at any point in time. Verifies that everything balances automatically.
- Current assets (cash, AR)
- Liabilities (AP, loans)
- Owner equity & retained earnings
- Auto-balance verification
Pro
Cash Flow Statement
Track exactly how cash moves in and out of your business. See beginning cash, net change, and ending cash for any period.
- Cash inflows by category
- Cash outflows by category
- Net operating cash flow
- Beginning to ending cash bridge
Pro
P&L Year-Over-Year Comparison
Compare this year to last year, month by month. See exactly where revenue grew or expenses increased with percentage change indicators.
- Month-by-month comparison table
- YoY revenue & expense change %
- Side-by-side bar chart
- Gross margin per month
Starter
Invoices
Create professional invoices and email them to customers automatically. Track paid vs outstanding and follow up with one click.
- Create & send invoices by email
- Mark paid / outstanding tracking
- Outstanding invoice summary
- AR Aging report (0–90+ days)
Pro
Bills
Track what you owe to vendors. Log bills, set due dates, categorize them, and see total outstanding payables at a glance.
- Vendor bill tracking
- Due date management
- Category tagging
- Outstanding payables summary
Pro
Vendor Management
A complete directory of every supplier, contractor, and service provider your company uses — with contact details and total spend tracked.
- Contact name, email, phone, website
- Payment terms per vendor
- Total spend calculated from bills
- Category tagging
Pro
Tax Summary
Annual tax documentation for any year. See gross revenue, deductions by category, quarterly breakdown, and estimated tax liability.
- Gross revenue & total deductions
- Q1–Q4 quarterly breakdown
- Estimated self-employment tax
- Estimated income tax
- Tax document storage (1099s, receipts)
Pro
Chart of Accounts
Standard double-entry bookkeeping chart of accounts, auto-created for every company. Assets, liabilities, equity, revenue, and expenses — all organized.
- 25 standard accounts pre-created
- Assets, liabilities, equity, revenue, expenses
- Account codes for organization
Pro
Planning & Forecasting
Model your future.
Make decisions with confidence.
Five planning tools to help you answer "what if" before it becomes "what happened."
Scenario Planning
Model "what if" situations and instantly see the impact on runway, burn rate, and cash balance — compared side-by-side against your baseline. Comes with 6 one-click presets.
- Revenue change (% per month)
- Monthly expense change ($)
- One-time costs
- Project 6–24 months ahead
- Baseline vs scenario chart
- New runway calculation
- Preset: "Hire an Engineer"
- Preset: "Revenue +20%"
- Preset: "Cut Costs 20%"
- Preset: "Raise $500k Seed"
Starter
12-Month Projections
Set revenue growth, expense growth, one-time investments, and fundraise timing — then see month-by-month cash, revenue, and expenses projected out a full year.
- Configurable growth assumptions
- Fundraise timing & amount
- Month-by-month table
- Projected runway detection
Starter
Runway Planner
See exactly how much runway different raise amounts give you. Enter a custom scenario with new burn and headcount costs to build a month-by-month cash timeline.
- 4 pre-built raise scenarios ($500K–$5M)
- Custom raise amount & new burn
- Headcount cost modeling
- Month-by-month cash timeline chart
Starter
Headcount Planning
Plan future hires with a start month and salary. See the cumulative monthly payroll impact of all planned roles in a running chart.
- Role, department, type, salary
- Start month selector
- Cumulative payroll impact chart
- Current vs planned payroll summary
Pro
Cohort Analysis
Track monthly revenue cohorts and retention over time. See which months performed best and how revenue retention trends compared to your first month.
- Monthly revenue by cohort
- Retention % vs first month
- Revenue trend line chart
- Avg revenue, peak month, avg retention
Starter
Custom Reports
Filter and group your transactions any way you want. Build a custom report by date range, type, category, and group by month, category, type, or year.
- Date range filter
- Income / expense filter
- Category multi-select
- Group by month, category, type, year
- Optional bar chart view
Starter
People & Equity
Payroll, contracts,
and cap table — all in one.
Everything you need to manage your team's compensation, equity, and documentation as you hire and grow.
Payroll Management
Track every employee's salary, equity, employment type, and department. Record pay runs and automatically create salary expense transactions. Generate and e-sign employment contracts without leaving Fintoit.
- Employee profiles (title, dept, type)
- Salary & pay frequency tracking
- Equity % per employee
- Pay run recording
- Auto salary transactions on pay run
- Department payroll grouping
- Contract generation (PDF)
- E-signature workflow (company + employee)
- Resume & contract file upload
- Contract token-based signing link
Pro
Cap Table
Track equity ownership across founders, investors, employees, and advisors. See ownership percentages, share classes, vesting schedules, and total capital raised.
- Shareholders: founders, investors, employees, advisors
- Common, preferred, option, warrant classes
- Price per share & investment amount
- Vesting schedules
- Ownership % pie chart
- By-type breakdown (founders vs investors)
Pro
Reports & Exports
Investor-ready reports
in under 30 seconds.
Three types of professional PDF reports generated by AI from your real financial data — no design tools, no formatting, no templates to fill.
Investor Report PDF
A polished, investor-ready PDF with key metrics table, AI-written 3-paragraph financial narrative, monthly breakdown, and top expense categories.
- Cover page with company name & date
- Key metrics table (cash, burn, runway, MRR)
- AI-written financial narrative
- 6-month breakdown table
- Top expense categories
Starter
Board Report PDF
A complete board of directors report with KPI highlights, AI executive summary, and sections for highlights, challenges, next quarter plan, and the ask.
- KPI grid (8 key metrics)
- AI-written 2-paragraph summary
- Highlights & challenges sections
- Next quarter plan
- The Ask section for board decisions
- Monthly performance table
Starter
Financial Report PDF
A full financial report with executive summary, monthly breakdown table, and recent transaction history — ready to send to stakeholders or advisors.
- Executive summary with all key metrics
- Monthly revenue, expenses, burn, cash
- Last 15 transactions listed
- Auto-formatted with company name
Free
Security & Account
Enterprise-grade security
for every account.
Your financial data deserves the best protection. Every account gets the same security features regardless of plan.
Two-Factor Authentication
Add a second layer of protection to your account. Choose email codes or a TOTP authenticator app like Google Authenticator or Authy.
- Email OTP (6-digit code)
- Authenticator app (TOTP / QR code)
- Auto-send code on login
- 10-minute code expiry
Free
Session Inactivity Timeout
Your session automatically times out after 15 minutes of inactivity with a 2-minute warning. Financial data never stays exposed on an unattended screen.
- 13-minute inactivity warning modal
- Countdown timer with red progress bar
- "Keep me signed in" button
- Auto-logout at 15 minutes
Free
Password Reset
Secure password reset via email with 1-hour expiring tokens. Passwords are stored as bcrypt hashes — never in plain text.
- Secure email reset link
- 1-hour token expiry
- bcrypt password hashing
- 8+ character enforcement
Free
Profile & Avatar
Personalize your Fintoit account with a profile photo, update your company name, and manage your contact information — all from one place.
- Profile photo upload (up to 5MB)
- Full name, email, phone
- Company name
- Password change
- Account deletion
Free
Recurring Transactions
Mark any transaction as recurring and Fintoit automatically creates it on schedule — weekly, monthly, or yearly — so your burn rate always stays accurate.
- Weekly, monthly, or yearly schedule
- Runs automatically at midnight
- Duplicate prevention built-in
- Manual trigger available
Free
Demo Mode
Try every feature of Fintoit before signing up. The demo account comes pre-loaded with sample startup data and is fully read-only so nothing can be changed.
- 6 months of sample transactions pre-loaded
- All dashboards, charts, and reports visible
- Read-only — no writes allowed
- No signup required to explore
Free
Plan Comparison
Which plan gets which features?
Free
$0
- Dashboard & burn rate
- Runway tracking
- Transaction tracking
- CSV import & export
- Income statement
- AI auto-categorization
- 2FA & security
- Recurring transactions
Starter
$49/mo
- Everything in Free
- Unlimited AI chat
- AI financial insights
- 6-month cash forecast
- Scenario planning
- Projections & runway planner
- Budget alerts & goals
- Cohort analysis
- Custom reports
- Investor & board report PDFs
- Anomaly detection
- P&L comparison
Pro
$149/mo
- Everything in Starter
- Balance sheet
- Cash flow statement
- Full accounting suite
- Invoices & bills
- Vendor management
- Tax summary & docs
- Payroll + e-sign contracts
- Cap table
- Headcount planning
- Chart of accounts
- Priority support
Get Started
Every feature.
One platform.
Start free and upgrade when you need more. No contracts, no setup fees, cancel anytime.