ClariFi Decision Engine · AI-Powered
Meet ClariFi Decision Engine
Finance that drives your next decision, not one you dread.
The framework for every growth, spending, hiring, and fundraising decision, not more spreadsheets to decipher. Board packs on demand, safe-to-spend signals, and Tax & Compliance Autopilot, with expert review before delivery. Connect your AI assistant over a secure, read-only MCP server and query it all in plain language.
AI-Native Finance, By Stage
What you can actually ask ClariFi
The questions get more strategic as you climb the tiers. ClariFi answers all of them — with an audit trail to where every number came from.
At Basic (Founder + bookkeeper)
“When does cash run out?”
→ Instant 13-week forecast. Recomputed nightly from your bank, payroll, and AR.
“What did I actually spend on AWS last quarter?”
→ Broken out by environment + project. Tagged to the right cost center.
“Did my January close finish on time?”
→ Day-by-day timeline of every reconciliation, with anyone blocked called out.
“What tax deadlines are coming up next month?”
→ Federal, state, franchise, sales tax, all in one calendar with prep status.
At Foundation (Founder + CFO + ops)
“Why did gross margin drop 4 points last month?”
→ Variance commentary that explains the why (hosting spend, customer mix, support load), not just the what.
“Which acquisition channel actually drove growth this quarter?”
→ Payback by channel, CAC by cohort, blended margin by product. No spreadsheet exports.
“Are we burning faster than the plan said we would?”
→ Burn variance with cause attribution: hiring ahead of plan, contractor overages, AWS spend creep, all called out.
“How concentrated is our customer base?”
→ Top-5 customer % of revenue + churn-risk score for each. Alerts when concentration crosses thresholds.
At Growth (Founder + CFO + board)
“What happens if we delay the next raise by 6 months?”
→ Full scenario, live. Headcount caps, runway impact, dilution if we raise smaller. All three answered in one screen.
“Draft my board deck with actuals vs plan and top 3 risks.”
→ Done in 15 minutes. Narrative + charts + commentary, ready to edit. Every number traceable to source.
“Stress-test runway across churn, hiring, and burn, every combo.”
→ Multi-variable sensitivity in seconds. See which lever matters most before the board asks.
“Is finance currently a constraint on growth, or the engine of it?”
→ Diagnostic across 50+ KPIs benchmarked against your stage. Honest answer in one screen.
Every answer comes with the audit trail: where the number came from, when it was reconciled, what assumptions feed it. This is what AI-native finance looks like.
Excel became finance's infrastructure and locked founders into a monthly cycle: exports, reconciliations, fragile models, and board decks delivered after decisions were due.
- Manual exports & reconciliations
- Fragile spreadsheet models
- Month-end close takes weeks
- Board deck by heroics
- Connected data, automated close
- Safe-to-spend signals
- Board packs generated on demand
- Answers in plain English
Founders deserve finance that helps them decide, not just report. On-demand intelligence, spending guidance, and compliance that runs in the background, delivered in plain English with expert review.
Legacy tools can't fix what they created. That's why we built ClariFi, an AI-powered system that turns your financial data into decisions you can act on.
50+ KPIs Powering Every Decision
Your data tells a story. ClariFi reads it across 8 categories and turns it into board pack narratives, spend signals, and proactive alerts, so you act on intelligence, not just review numbers.
- Revenue, expenses, profitability, cash, metrics, unit economics, AR/AP, and workforce KPIs
- Custom KPI formula engine to define your own metrics
- Intelligent anomaly detection with severity levels
- Configurable views and personalized insights
Investor-Ready Financial Statements
18 report types, from P&L and Balance Sheet to Budget vs. Actual and custom reports, all generated automatically and exportable in seconds.
- Income statement with waterfall chart visualization
- Balance sheet, cash flow statement, and budget comparisons
- PDF, Excel, and CSV export with one click
Model Any Decision Before You Make It
How much runway do you have if you hire two engineers? What happens if Q2 revenue comes in 20% below plan? ClariFi models every scenario so you decide with data, not gut.
- 13-week rolling forecast updated automatically
- Three scenarios: base, optimistic, and pessimistic
- Multi-scenario financial models with sensitivity analysis
- 6-month revenue predictions with confidence intervals
Know Exactly What You Can Afford, Every Day
Runway and burn aren’t just metrics to track. They’re the basis for every spending decision. ClariFi delivers safe-to-spend signals and proactive alerts at 12, 9, 6, and 3-month runway thresholds.
- Cash balance trends and monthly burn rate charts
- Runway in months with color-coded comfort zones
- Revenue vs. expenses comparison over time
- Proactive runway alerts at 12, 9, 6, and 3-month thresholds
Ask Any Question. Get a Decision-Ready Answer.
Ask ClariFi anything about your financials in plain English and get a data-backed answer grounded in your financials and industry benchmarks. Your team adds context and sign-off before it reaches you.
- Monthly executive summaries and CFO memos
- Financial Q&A chat for instant answers
- Investor update and board pack generation
- Expense optimization recommendations and contract analysis
- Connect your AI assistant to your numbers with a read-only MCP server
See How You Compare, And What To Do About It
Nine key ratios benchmarked against 14 industries and 6 stages. ClariFi doesn’t just tell you your gross margin is 62%; it tells you that’s 8 points below your peer median, and your finance team recommends what to do about it.
- Current Ratio, Quick Ratio, and Cash Ratio for liquidity
- Gross Margin, Net Margin, and EBITDA Margin for profitability
- Color-coded status badges: Good, Warning, and Critical
- Industry benchmarks across 14 industries and 6 company stages
AI-Native · Secure MCP integration
Your data. Your AI assistant. One secure connection.
ClariFi is a full finance platform: real-time dashboards, FP&A models, 50+ KPIs, runway, and board-ready reports. Its read-only MCP server gives your AI assistant secure access to that information and the output of ClariFi’s models, so every answer is grounded in your real, reconciled data, not generic advice. You bring the data. The AI brings the reasoning.
Your ClariFi data
dashboards, FP&A, KPIs
MCP server
secure, built-in OAuth
Your AI assistant
any MCP client
Answers
grounded in your numbers
Built-in OAuth 2.1. Read-only and scoped to one company. Available on every plan.
AI does the work. A human signs off.
We believe the right way to deploy AI in finance is human-in-the-loop. AI drafts the close, flags the anomalies, and does the heavy lifting, while your finance team reviews and approves before anything reaches you. Every run is audited, so you get AI’s speed with a real CFO’s accountability behind every number.
Behind the platform: a team running 50+ specialized finance skills, every number CPA-reviewed before you see it.
Built-In From Day One
Every plan includes these capabilities out of the box, with no add-ons and no upgrades required.
Tax & Compliance Autopilot
Multi-state tax compliance across 51 jurisdictions with auto-generated deadlines and year-over-year rollover.
- Federal + all 50 states covered
- Auto-generated compliance deadlines
- Multi-state nexus tracking
Cap Table & Fundraising
Manage your cap table, track funding rounds, and stay fundraise-ready with a composite readiness score.
- Share classes, option grants with vesting schedules
- Pre/post-money valuations and exit waterfall analysis
- Fundraising readiness score (0–100)
Board Packs & Data Rooms
Board Pack Generator produces monthly narratives with KPI summaries, variance analysis, and Q&A prep, generated on demand, with CFO sign-off. Always-on data rooms for due diligence.
- Board pack PDF generation with AI-populated sections
- 7-section due diligence data room
- Document management with 19 categories
Document Management & Automation
Every receipt, contract, and filing organized automatically across 19 categories, audit-ready at all times, with version control and secure sharing.
- 19 document categories with auto-classification
- Secure sharing with role-based access
- Audit trail and version history
AI Agents That Do the Busywork
ClariFi’s AI agents take the repetitive work a junior analyst does and stage a draft for your finance team to review, so nothing reaches you unreviewed.
- Monthly Close Copilot drafts your close package with month-over-month variances flagged
- Cash Sentinel proactively alerts on burn spikes and runway thresholds
- Every run audited and cost-capped: AI proposes, your CFO signs off before send
Advanced Analytics, Not Just Dashboards
Beyond core statements: the deeper analysis a fractional CFO would run, built in.
- Segment P&L showing which segments actually drive profit
- Working-capital cycle (DSO, DPO, CCC), cohort retention, and concentration risk
- Automatic anomaly detection plus industry-aware trial-balance categorization
Curious what AI-native finance actually looks like? See 30 questions you can ask →
Frequently Asked Questions
- What is ClariFi?
- ClariFi is StartupCFO's AI-powered financial intelligence platform. It tracks 50+ KPIs, generates board packs on demand, provides safe-to-spend guidance through Spend Guardrails, and automates tax compliance across 51 jurisdictions, all reviewed by your dedicated finance team.
- How does ClariFi work?
- ClariFi connects to your accounting platform and automatically ingests financial data. It runs FP&A models to deliver spending guidance, runway alerts, scenario simulations, and board-ready reports. Your finance team reviews and validates every insight before delivery.
- What KPIs does ClariFi track?
- ClariFi tracks over 50 KPIs across 8 categories: revenue, expenses, profitability, cash position, metrics (MRR, ARR, churn), unit economics (CAC, LTV), AR/AP, and workforce metrics. All KPIs are benchmarked against 14 industries and 6 company stages.
- Does ClariFi replace my accountant or bookkeeper?
- No. ClariFi works alongside your existing accountant or StartupCFO's in-house team. The platform automates data ingestion, FP&A modeling, and reporting; humans review every output before it reaches you. Most customers use ClariFi as part of the bundled StartupCFO service rather than standalone.
- What accounting platforms does ClariFi integrate with?
- ClariFi integrates natively with QuickBooks Online and Xero, with read access to Stripe, Brex, Ramp, Mercury, and most major payroll providers (Gusto, Rippling, Justworks, Deel). New integrations are added on demand for enterprise customers.
- Is ClariFi secure? Where is my financial data stored?
- ClariFi is SOC 2 Type II–aligned, with data encrypted in transit (TLS 1.3) and at rest (AES-256). Financial data is stored in US-based cloud regions with role-based access controls and full audit logs. We never share customer data with third parties or train public AI models on it.
- Can I connect ClariFi to my AI assistant?
- Yes. ClariFi runs a read-only Model Context Protocol (MCP) server, so you can connect your AI assistant and ask about your KPIs, runway, and reports in plain language. You connect with a secure web connector or a personal access token. Access is read-only, scoped to a single company, and revocable at any time, and it's available on every plan.
- Does ClariFi use AI agents, and is it safe?
- Yes. ClariFi's AI agents handle repetitive finance work: drafting monthly close packages, flagging cash and burn anomalies, and categorizing trial-balance accounts. They stage drafts for your finance team to review, so nothing is sent without human sign-off. Every AI run is audited and runs under a per-firm monthly cost cap, and the assistant has read-only access to your financials.
- How much does ClariFi cost?
- ClariFi is included in every StartupCFO plan starting at $179/mo (Basic). Standalone ClariFi access for companies that prefer to keep their existing finance team is available; contact sales for pricing.
- How long does it take to onboard ClariFi?
- Most startups are live in 48 hours. Onboarding consists of connecting your accounting platform, importing the chart of accounts, mapping KPIs to your business model, and generating the first board pack. A dedicated implementation specialist handles all configuration.
See ClariFi in Action
Book a call and we'll walk you through ClariFi live.
45-day free trial · No credit card needed · No contracts
