ClariFi Decision Engine · Agentic AI
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. Agentic by design: ClariFi’s agents do the busywork proactively, every run audited, cost-capped, and human-approved. Connect your AI assistant over a secure, read-only MCP server and query it all in plain language.
Included by default in the Growth plan. Available as an add-on on Launch and Foundation.
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 Launch (Founder + bookkeeper)
“When does cash run out?”
→ Runway and burn from your latest close, with alerts as you approach 12, 9, 6, and 3 months of runway.
“What did I actually spend on AWS last quarter?”
→ Spend by category from your monthly close, with the trend against prior quarters.
“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-customer share of revenue and how it's trending, so concentration risk surfaces before an investor asks.
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.”
→ Drafted on demand: 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 39 KPIs benchmarked against your stage. Honest answer in one screen.
Every answer comes with clickable source citations: where the number came from, when it was reconciled, what assumptions feed it. Verify in one click instead of taking it on trust. 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 agentic AI system that turns your financial data into decisions you can act on.
Sound Familiar?
Too many providers, not enough answers. If any of these are true, your finance system is slowing decisions. Here's how ClariFi fixes each one.
Scrambling to clean up spreadsheets before a raise
ClariFi keeps the books audit-ready and generates a due-diligence data room on demand.
No clarity on where the cash actually goes
Safe-to-spend signals and proactive Spend Guardrails so you always know what you can afford.
Dreading tax season because nothing is organized
Tax & Compliance Autopilot tracks estimates, deadlines, and compliance status in one place, with CPA sign-off.
Investors asking for numbers you can’t produce fast enough
Board Pack Generator produces Investor-Ready narratives and Q&A prep in minutes, not weeks.
Forecasting in a spreadsheet that nobody trusts
Always-on scenario models with confidence intervals, so you decide with data, not guesswork.
No idea how much you can actually afford to spend on sales and marketing
Spend Guardrails tell you exactly how much to deploy on S&M based on CAC payback and LTV.
39 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? Fifteen planning tools share one always-current set of numbers, so you decide with data, not gut.
- 13-week rolling forecast updated automatically
- Three scenarios: base, optimistic, and pessimistic
- Runway modeler, hiring impact, break-even, and dilution modeling
- Debt vs. equity comparison, use of funds, and pricing models
- 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 Cited, Decision-Ready Answer.
Ask ClariFi is your always-on analyst. Ask anything about your financials in plain English and get an answer grounded strictly in your own data. Every number carries a clickable citation back to its source, so you can verify instead of trust.
- Answers only from your data, read-only by design
- Source citations on every AI-generated number
- Monthly executive summaries and CFO memos
- Investor update and board pack generation
- Expense optimization recommendations and contract analysis
- Connect your own AI assistant with a read-only MCP server
See How You Compare, and What to Do About It
Seventeen financial 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
See the output
What a ClariFi board pack actually contains
Most finance tools show you a dashboard. Your board wants a narrative. Here is the structure ClariFi generates on demand, with your CFO reviewing every section before it reaches an investor.
Sample output
Board Pack, Month Ended March 2026
1. Executive narrative
Drafted by AI, edited by your CFO
- Revenue grew 11% month over month to $1.44M ARR, the third consecutive month above plan.
- Net burn held at $186K as two senior engineers started, leaving 14 months of runway.
- The board asked last month about CAC payback: it improved from 19 to 16 months.
2. KPI summary
Pulled from the 39-KPI dictionary
- ARR $1.44M · MRR $120K · Net new ARR $143K
- Gross margin 78% · Net revenue retention 112% · Logo churn 1.4%
- Net burn $186K/mo · Runway 14 months · Burn multiple 1.3x
3. Variance analysis
Plan vs actual, with the reason
- Revenue $120K vs $116K plan, ahead by 4% on faster enterprise close rates.
- Headcount spend $214K vs $180K plan, over by 19%: two hires landed a month early.
- Marketing $31K vs $45K plan, under by 31% as a paid pilot was deferred to Q2.
4. Cash and forecast
13-week rolling view
- Cash on hand $2.6M across operating and treasury accounts.
- 13-week forecast shows a low point of $2.21M in week 9, before the Q2 collections cycle.
- Base case reaches the next raise window with 6 months of buffer.
5. Q&A prep
The questions your board will ask
- “Can you hold a 1.3x burn multiple through the next two hires?” Plan says yes into Q3, then it drifts to 1.6x.
- “Is NRR durable at this size?” 112% across 84 accounts; the largest is 9% of ARR.
- “When do we need to raise?” Base case Q1 2027; the downside case pulls it into Q4 2026.
The figures above describe a fictional company and are shown only to illustrate the format. Your pack is generated from your own ledger, and a CFO on our team reviews it before you send it. Board Pack Generator is included with the Growth plan and available as an add-on on Launch and Foundation.
Want the full sample as a PDF?
No spam, ever. If the download doesn't start, email us.
Or see it built from your own ledger:
AI-Native · Secure MCP integration
Your data. Your AI assistant. One secure connection.
ClariFi is a full finance platform: always-current dashboards, FP&A models, 39 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
Claude web, desktop, or Claude Code
Answers
grounded in your numbers
Built-in OAuth 2.1. Read-only and scoped to one company. Included in the Growth plan, or as an add-on on Launch and Foundation.
Run a fractional CFO or advisory practice? ClariFi is multi-tenant and white-labeled. Your firm can run on the same platform, under your brand. ClariFi for Firms →
AI does the work. A human signs off.
Why? Your numbers can’t hallucinate.
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, every AI-generated number is cited back to its source, so you get AI’s speed with a real CFO’s accountability behind every number.
Behind the platform: a team running dozens of specialized finance skills, every number accountant-reviewed before you see it.
The AI never computes a number
Every amount and date comes from deterministic functions, not from a language model. The AI's only job is proposing inputs from your documents, as a draft, for a person to confirm.
Read-only by construction, enforced in CI
A static test in our build pipeline fails if any advisor could write to your books. Not a policy someone has to remember. A check that blocks the release. Your books stay in QuickBooks, Xero, or Zoho, and a bookkeeper makes every entry.
Nothing counts until a human approves it
Agent output lands as a draft and stays there until your finance team confirms it. Every run is wrapped in an audit record, so there is a trail of what was proposed, by what, and who approved it.
Every number carries its source
AI-surfaced figures come with clickable citations back to the exact place in your own data, and extraction that cannot be verified against a source is rejected rather than guessed.
Anyone can promise their AI is careful. These are the four things that make it true whether or not anyone remembers to be careful.
No hallucination · Deterministic · Transparent · Traceable · Auditable
Built-In From Day One
Once you have ClariFi, every capability below is part of it. There are no feature tiers or upgrades to buy inside the platform. ClariFi is included with the Growth plan and available as an add-on on Launch and Foundation.
Tax & Compliance Autopilot
Multi-state tax compliance across all 50 states 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 vault with secure external upload links
Document Vault, Diligence-Ready
Every receipt, contract, and filing in one organized vault: folders shared with your finance team, per-folder access control, and a full audit trail. Audit-ready at all times.
- Secure upload links for auditors, lawyers, and banks, no account needed
- Per-folder access control with role-based permissions
- Audit trail and version history on every document
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
- Schedule advisors draft your revenue recognition, prepaid, lease, stock comp, and depreciation schedules; your accountant applies every entry
- Contract extraction reads your agreements and proposes ASC 606 revenue inputs with the exact clause cited
- Categorization agent maps your trial balance to KPIs, industry-aware, accountant-approved
- 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 agentic financial intelligence platform. It tracks 39 KPIs, generates board packs on demand, provides safe-to-spend guidance through Spend Guardrails, and automates tax compliance across all 50 states. Its AI agents draft the monthly close, watch cash and burn, and categorize your books proactively, all reviewed by your dedicated finance team before anything reaches you.
- 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 39 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 platforms does ClariFi integrate with?
- ClariFi syncs natively with QuickBooks Online, Xero, and Zoho Books. Corporate card spend flows in from Ramp with department mapping, and your cap table syncs from Carta, including option grants and 409A valuations. Built-in messaging and notifications keep you and your finance team in one thread, and a read-only MCP server connects your AI assistant. New integrations are added on demand for enterprise customers.
- Is ClariFi secure? Where is my financial data stored?
- ClariFi is built on enterprise-grade security controls, 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. ClariFi and its MCP server are included in the Growth plan and available on Launch and Foundation for an additional fee.
- How do I know ClariFi's AI answers are accurate?
- Every number in an AI-generated answer carries a citation that links back to the exact source in your own data, so you can verify it in one click. Ask ClariFi answers only from your financials, never from general knowledge, and is read-only by design. ClariFi's AI follows five trust principles: no hallucination, deterministic, transparent, traceable, and auditable, and a human reviews every deliverable before it reaches you.
- 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 the Growth plan ($799/mo), alongside full fractional CFO support. Launch and Foundation plans receive ClariFi-powered reports, KPIs, and board-ready outputs delivered by our finance team, and can add direct ClariFi access for an additional fee. Standalone ClariFi access for companies that prefer to keep their existing finance team is also available; contact sales for pricing.
- How long does it take to onboard ClariFi?
- Most startups are live in 2 business days. 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
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