Fincharta

Cashflow kills 82% of small businesses.

No accountant needed. No spreadsheet. Upload one PDF and get your answer in 60 seconds.

Try free →

Built by a UK Finance Professional · Used by UK businesses

See an example report

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.

Live
·Generated Just now·Period Mar 2026·Report RPT-BC47B2AF
82/100
STRONGCONFIDENCE 9/10
ENTERPRISECOMPLETE

Financial Snapshot

Finances are in strong shape across the core metrics.

Income+£284.0k
Expenses-£221.6k
Net Cash Flow+£62.4k
Overview
Analysis
Forecast
Actions
SHA:3F28AC5A

Ready in sixty seconds.

Your board-ready report.

Scroll

Seen enough?

Your numbers, in 60 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 Fincharta Method

Built like a financial instrument.

Four stages. Zero ambiguity. Every report follows the same deterministic path from raw transaction to board-ready snapshot.

Stage 1 of 4
· Ingest

Connect. Import. Normalise.

Upload a CSV or connect your accounting platform. Fincharta parses every transaction with deterministic rules — no guessing, no rounding.

CSV · Xero · QuickBooksMulti-currency awareGBP · EUR · USD
Deterministic by design
No live recomputation
Every answer traces to source
Audit-ready by default

The honest comparison

What this replaces.

Criterion
Doing nothing
Accountant
Fincharta
Cost
£0
£200-£2,000/mo
£12/mo
How current is the picture?
Whenever you check your balance
Last quarter (3 months old)
This week. Updated weekly.
Time to first answer
You guess
Email, wait 48 hours
60 seconds
Plain-English explanations
—
If you ask the right question
On every report, automatically
Cashflow trouble warning
When your card declines
After it has already happened
When patterns shift
What happens at year-end
Panic + receipts in a shoebox
They sort it (and bill you for the time)
One-click CSV export. Smaller bill.
Categorisation of spending
Manual, error-prone
At year-end only
Automatic, every report
Stays on top of you
Only if you remember to check
Quarterly check-ins
Weekly digest, alerts on shifts
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
Best value
Replace a CFO at 1/30th the cost

Monthly Check

Most popular
£12/mo

Cheaper than your accounting software.

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

Business Pulse

Best value
£29/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

Replace a CFO at 1/30th the cost
£49/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 →
Fincharta

Stop guessing.
Start knowing.

Five minutes from now, you could have a plain-English picture of how your business is really doing. No card needed. No setup call. No spreadsheet.

Built by a UK finance professional for owners who don't have a CFO and don't need one.

Try free →See pricing