Fincharta

How healthy is your business, really?

Upload one bank statement and Fincharta reads it back in plain English: your cash flow, your runway and where the money's actually going. Good month or bad, you'll always know exactly where you stand. No accountant, no spreadsheets, no bank connection.

Fincharta reads your bank statement PDFs and turns them into plain-English reports on cash flow, runway and financial health for UK small businesses.

See a sample report, no signup →See pricing

You upload one PDF you download yourself. Fincharta never connects to your bank.

Free plan, no card needed. Cancel anytime.

Two live samples Healthy · Hartley & Co, 86/100 At risk · Halden Coffee Co., 48/100

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

Fincharta · Know where your money stands

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.

See where your cash is heading, not just where it's been.

Ready in sixty seconds.

Your board-ready report.

Ready in about a minute. Clear enough to hand straight to your accountant.

Scroll

Seen enough?

Your numbers, in minutes.

No accountant, no spreadsheet. Upload one bank statement and know you can make payroll, cover the VAT bill and afford your next hire, before you commit to any of them.

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.

Fincharta
AccountantFincharta

Cost

£200 to £2,000/mo

Cost

From £19/mo

Data freshness

Last quarter, 3 months old

Data freshness

Live, this week

Speed

Quarterly review call

Speed

Under 10 seconds

Plain English

Accountant-speak

Plain English

Always

Early warnings

When it’s too late

Early warnings

Flagged early

Tax season

Extra bill

Tax season

Cleaner data

Your time

2 to 3 hrs/month

Your time

Under 5 mins

Confidence

Once a quarter

Confidence

Weekly

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, with no spreadsheets and 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

Security

You share one statement, not your bank login.

Manual PDF upload means no open-banking credentials and no connection to your bank. You decide exactly which statement Fincharta sees, and it can never touch your money.

No bank connection

No Open Banking, no login handed over, no live link to your account.

You pick the file

You download one statement PDF yourself and decide exactly what Fincharta sees.

It can't touch your money

Read-only by design: Fincharta only ever analyses a document, so it can never move funds.

Pricing

Every tier builds on the last.

A fraction of an accountant, from £19 a month. Sole trader or small team, you get the same plain-English clarity. No hidden fees, cancel whenever you like.

Most popular
A fraction of the cost of a fractional CFO

Monthly Check

£19/mo

Less than a business lunch per month.

  • Unlimited bank statement uploads
  • Plain-English summary on every report
  • Weekly digest email
  • Cashflow alerts when patterns shift
  • 12 months of transaction history
  • Works with all major UK banks
Get Started

Business Pulse

Most popular
£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
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
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.

Yes. You can open a full sample report with no signup. Take a look at a healthy business (Hartley & Co, scoring 86), or one that's profitable on paper but heading for a cash gap (Halden Coffee Co., scoring 48). The free Quick Look plan also lets you run one report a month, for good, with no card.

Quick Look is free forever: one report a month, no credit card. The paid plans are Monthly Check at £19 a month, Business Pulse at £39 and Full Control at £79, each building on the one below it. No contract, and you can cancel whenever you like.

Xero and QuickBooks track your invoices and handle your VAT. That is bookkeeping. Fincharta sits on top of it and reads your bank statement to tell you, in plain English, what is actually happening to your cash. Most owners keep both. Xero keeps the records; Fincharta is the view you check each week.

Your accountant looks at last quarter. Fincharta shows you last week. It does not replace them. It covers the weekly check your accountant has not got time to do, and come year end they get cleaner numbers to work from, which usually brings their bill down too.

Yes, for three reasons. First, we never connect to your bank; you upload a PDF you have downloaded yourself. Second, your data is encrypted and stored in the UK. Third, we are a UK-incorporated company and fully GDPR compliant.

We work with all the major UK banks: Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Revolut, Santander and more. If yours is not on the list, upload it anyway. We will either read it straight away or add support within a week.

Quick Look is free forever, with no credit card. You get one report a month, which is plenty to see exactly what Fincharta does for you. Most people upgrade once they want more frequent updates, though plenty stay on the free plan for good. There is no pressure either way.

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 to CSV in one click. Once you cancel, we delete your data within 30 days unless you ask us to keep it. It is your data; we only ever borrow it.

Still have questions?

hello@fincharta.com →