Fincharta

Cashflow kills 82% of small businesses.

No accountant needed. No spreadsheet. Upload one PDF and get your answer in under 10 seconds.

Try free →

British-built · UK data residency · ICO-registered · Companies House 16401198

Fincharta · Financial Intelligence

Financial
Snapshot.

Every month, every metric, every change — explained in plain English you can act on today.

JANFEBMARAPRMAY

Every pound, accounted for.

Revenue grows. Pressure drops.

Five months of real data. Five clear monthly checks. One unmistakable trend.

Trajectory, plotted.

12 months of certainty.

P10-P90 forecast bands. Deterministic. Conservative. Audit-ready.

Ready in sixty seconds.

Your board-ready report.

Generated in seconds. Trusted by your accountant.

Scroll

Seen enough?

Your numbers, under 10 seconds.

No accountant. No spreadsheet. Upload one bank statement PDF and Fincharta does the rest.

Try free — no card needed →
See it in action

Executive intelligence, built into every report.

Five surfaces. One sealed snapshot. Every number traceable to source.

LiveScenario PlannerT3
SHA:dcd780b297
Best Case
Revenue +15%, costs held
+£14.1k
∞ runway
Baseline
Current trajectory
+£9.9k
Steady runway
Recession
Revenue −35%, inflation +10%
−£2.8k
0.0 mo runway

Stress-test runway across 5 presets + custom scenarios.

The honest comparison

What this replaces.

Others
Fincharta
£Cost
⟳Real-time data
⚡Speed
💬Plain English
△Early warnings
📋Tax season
⏱Your time
✦Confidence

Every feature. Available from £19/mo.

Your AI financial co-pilot

Ask Finch

Ask Finch anything about your finances…

Just type. Finch reads your numbers and answers in plain English — no spreadsheets, no jargon.

What's dragging my score down this month?
Your cash conversion jumped to 52 days — up from 31 last quarter. Three unpaid invoices are the main culprit. Want me to flag the clients?
Try for freeSee a live report
Pricing

Every tier builds on the last.

From sole traders to small teams — the same plain-English clarity, at every level. No hidden fees. Cancel anytime.

Most popular
A fraction of the cost of a fractional CFO

Monthly Check

Most popular
£19/mo

Less than a business lunch per month.

  • Unlimited bank statement uploads
  • Plain-English summary on every report
  • Report email notifications
  • Cashflow alerts when patterns shift
  • 12 months of transaction history
  • All UK banks supported
Get Started

Business Pulse

£39/mo

Know everything that's going on.

  • Everything in Monthly Check
  • Industry benchmarks against similar businesses
  • Anomaly detection (catches odd transactions)
  • Plain-English Q&A about your finances
  • Multi-month trend analysis
  • Multi-account support
Get Started

Full Control

A fraction of the cost of a fractional CFO
£79/mo

Predictive intelligence built in.

  • Everything in Business Pulse
  • Predictive cashflow modelling
  • Scenario analysis ("can I afford to hire?")
  • Deep health scoring with drill-downs
  • Priority email support
  • Quarterly review call (optional)
Get Started

Or try Quick Look free — one report a month, forever, no card needed.

Get started →
No credit card required
Cancel anytime
Upgrade or downgrade anytime
GDPR compliant

Questions

Everything you need to know.

Xero and QuickBooks track your invoices and help with VAT — they're bookkeeping. Fincharta is the layer on top: it reads your bank statement and tells you what's actually happening, in English. Most users keep both. Xero is the engine; Fincharta is the dashboard you actually look at.

Your accountant looks at last quarter. Fincharta tells you about last week. It's not a replacement — it's the weekly check-in your accountant doesn't have time for. At year-end your accountant gets cleaner data, which usually saves you money on their bill.

Yes — three reasons. One: we never connect to your bank. You upload a PDF you downloaded yourself. Two: data is encrypted and stored in the UK. Three: GDPR compliant, UK-incorporated company.

We work with all major UK banks: Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Revolut, Santander, and more. If your bank isn't on the list, upload anyway — we'll either handle it or add support within a week.

Quick Look is free forever, no credit card needed. You get one report a month — enough to see what Fincharta does. Most users upgrade when they want more frequent updates, but plenty stay on free indefinitely. No pressure.

No. Just download a bank statement PDF (every UK bank lets you do this in online banking) and upload it. We handle the rest. No API keys, no permissions, no waiting.

You can export everything as CSV with one click. After cancellation, your data is deleted within 30 days unless you ask us to keep it. Your data is yours — we just borrow it.

Still have questions?

hello@fincharta.com →