Acting as client— every tab shows only this client
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Cash
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Runway
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Accounts
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Last sync
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News
Claude for Small Business launched yesterday. TreasuryFlow stays your morning cash workflow because chat isn't a 7 AM dashboard.
What stays unique →
Good morning
Live from your banks. Updated automatically.
Reconciling with your banks…
How we keep this number honest
Synced straight from your banks and re-verified on every bank webhook — each webhook is cryptographically signed and verified.
Up to 24 months of transaction history imports at connect, so the forecast starts with real depth.
Connections are checked daily — a feed past 24 hours turns this line amber.
Suspected duplicate transactions are quarantined before they can double-count.
Read-only access — TreasuryFlow can see balances, never move money.
Checking last sync…
PreviewFrom your statement
This is your real cash position, built from the file you uploaded. Connect your bank to make it live and keep it current every morning.
Your cash forecast — the spreadsheet you already use, built once and refilled with every bank transaction. Push to Excel any time and your CEO, board, or lender gets the same workbook you'd build by hand on Saturday.
Saved
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Line Item
Series
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TipType a number into any cell — saves automatically. Past weeks fill from your bank data. Push to Excel downloads a multi-sheet workbook (one per brand + portfolio summary) you can hand to your CEO or lender.
Bring your forecast
Upload your Excel workbook. We'll detect sheets, line items, and weekly columns automatically — you'll see exactly what we read before anything imports.
Your workbook stays in your account. We parse structure server-side and discard the raw file after parsing.
Watch us read a sample workbook — no upload needed
Reading your workbook…
Map your forecast manually
We'll walk you through three quick confirmations.
1Header row
2Date range
3Line items
Step 1 of 3: Which row has your weekly dates?
Click the row that contains the date headers (e.g. 5/4/2026, 5/11/2026…). The row pre-selected below is our best guess.
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Step 2 of 3: Which columns hold the weekly numbers?
Click the first weekly column, then the last. We'll handle everything in between.
13columns starting May 4, 2026 through Jul 27, 2026
Cadence
Step 3 of 3: Which rows are your line items (Receipts, Payroll, etc.)?
We pre-checked rows that look like inflows or outflows. Adjust as needed; uncheck anything that's a section header or subtotal.
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InflowOutflowTransferSkip
Recurring Payment Detected
Recurring outflow detected
Confirm to include in your 13-week forecast as a pinned commitment.
13-Week Cash Forecast
See your cash position 13 weeks out — so you can plan payroll runs, equipment purchases, and vendor payments before they become emergencies. Shaded bands show the confidence range based on your payment patterns.
Building your forecast…
Pinned Commitments
Scheduled outflows projected over the next 13 weeks
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Spending vs. Budget
Are you over or under budget this month? Spot which categories are eating into your cash before it's too late to act.
Comparing actuals to budget…
Monthly Budget Targets
Set what you plan to spend each month — we'll show you when you're going over
Enter your monthly target for each category. Leave blank to skip. These power the Spending vs. Budget view.
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Profit & Loss
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6-Month Trend
Revenue
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Direct Costs
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Profit After Costs
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Operating Expenses
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Net Income
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Category Breakdown
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Full Expense Breakdown
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These figures are AI-estimated for day-to-day decision making — not a substitute for tax filings. Always review with your accountant before filing.
Vendor Spend Analysis
Top suppliers by spend — identify consolidation & negotiation opportunities
Analyzing vendors…
Estimated annual bank fees
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Months analyzed
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Bank Fees You're Actually Paying
Wires, maintenance, overdraft, NSF, ATM, paper — categorized from your live bank data
Most CFOs are surprised when they see the annual number. Wire fees, monthly maintenance, NSF charges, and ATM surcharges add up — and many are negotiable once you can show the year-over-year total.
How well last week's forecast matched what actually happened — week by week. Builds your CFO board-meeting confidence.
Every week we replay the forecast we'd have made before that week began, then compare it to what really posted. A green row means your cash was within ±10% — what every CFO board deck wants to be able to say.
Back-testing the last 4 weeks of forecasts…
What-If Planner
What happens to your cash if a customer doesn't pay, you hire someone, or sales slow down? Adjust the sliders to see the impact before it happens.
⚠ Severe scenario — results may show extreme outcomes
Results
Saved Scenarios
QuickBooks Online
Checking connection…
Company: --
QuickBooks (booked)
Accounts Receivable
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Open invoices owed to you
Accounts Payable
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Bills you owe vendors
Net Position (AR - AP)
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Positive = net inflow expected
AR Aging Summary
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Open Invoices
Receivables awaiting payment
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Open Bills
Payables you owe
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Bank Reconciliation
Match QBO transactions against bank feeds
Click Auto-Reconcile to match your bank transactions with QuickBooks entries.
Xero
Checking connection…
Organisation: --
Accounts Receivable
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Open invoices owed to you
Accounts Payable
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Bills you owe vendors
Net Position (AR - AP)
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Positive = net inflow expected
AR Aging Summary
Open invoices grouped by days overdue
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Xero Bank Accounts
Balances reported by your Xero ledger
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Open Invoices
Receivables awaiting payment
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Open Bills
Payables you owe
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Sales & events
Connect the platforms that pay you. POS settlements reconcile gross sales against the net deposits in your bank feed; booked events become a forward cash lane in your forecast.
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Close Radar
Your books, tied out to your bank — automatically.
Reading your bank and your books…
Needs your eye
Items that explain — or break — the tie-out.
Forecast accuracy
How close last forecast came to reality.
Internal transfers
Money moving between your own accounts.
Proposed fixes
One tap to clear — you approve every change.
Month-End Close
Pick a period to start the checklist
0%
Pick a month above to start your close.
Checklist
Mark items complete as you finish them. Auto-saves.
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Send 0 briefs?
Each goes to that client’s billing contact, under
your firm’s brand.
briefs
that need your eyes are
held back
— they stay in your queue until you review them.
Every figure in these briefs was read directly from each client’s bank
and books. You can re-open any one before it sends.
Firm Dashboard
Every client, every bank, one screen.
Monday briefs·Drafted overnight
—of hand-work drafted overnight — release the ready briefs to bank it.
0 ready to send··0 sent this week
Off (recommended).
Briefs are drafted overnight and staged for your approval —
nothing reaches a client until you send it.
Turning it on records your preference to auto-send the GREEN
“ready” briefs each Monday and leave only the ones that need
your eyes. You stay in control of every amber.
We count about 55 minutes saved per brief
you release — the time it takes to pull the numbers, write the note,
and send it by hand.
It’s an estimate, not a billing figure.
Monday briefs
Next auto-draft: Monday 6:00am
· all clients are up to date.
Total cash (firm)
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Active clients
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Avg runway
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weeks · firm avg
Red-flag clients
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Runway under 8w
Close incomplete
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This month
Hours saved · 30d
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across portfolio
Growth stars
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to celebrate this week
Filter by vertical:
Portfolio
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This Week's Movers
Cross-client anomaly intelligence — what's worth a phone call before noon.
Scanning every client for outliers…
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Per-client billing — only pay for active clients.
Firm branding (white-label)
Your firm name appears on client emails. Logo + color customize the client-facing look.
Slack notifications
Morning client digests + alerts in your team Slack. Paste an incoming-webhook URL.
Saved URLs are treated as a secret and never displayed back. Paste a new URL to update.
Audit trail
Every view, export, and change logged. Export to CSV for SOC 2 evidence.
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Your firm · owner
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Staff only see the clients you assign. They never see the rest of your roster — not even that those clients exist.
Add a Client
For a client whose bank access you already manage. You'll confirm you're authorized, then connect their bank and QuickBooks right after, no waiting on them.
We'll email them a magic link to securely connect their banks via Plaid. They appear in your roster the moment they connect.
Paste CSV with header row, columns: email,label. Up to 100 rows. Each gets a magic link.
Add a teammate
Add a junior accountant to your firm. You choose exactly which clients they can see — they'll never see the rest of your roster. They'll need their own free TreasuryFlow login first; add them here once they've signed up.
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0 of 0 selected
You can assign clients now or after they join — they'll see nothing until you do.
Account
Email--
Name--
Subscription--
Plan--
Trial Remaining--
Bank Connected--
Account type--
Industry vocabulary
Connected Banks
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Reporting Groups
Group bank accounts into brands (e.g. "Vega Brands", "Atlas Trading"). Use the View filter on the dashboard to compare cash position by brand.
No groups yet. Create one to get started.
Scheduled Outflows
Pin recurring cash commitments to improve forecast accuracy
Payroll, rent, loan payments, subscriptions — pin them here and they'll appear as committed outflows in your 13-week forecast.
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Billing
Connected apps & API keys
Every agent credential on your account — see it, revoke it, audit it
Apps you connect through Claude and API keys you mint get read-only access to your cash data. Every request is audit-logged. Disconnect anything, any time — it takes effect immediately.
Connected apps
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API keys
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Excel & Google Sheets add-in
One key connects the TreasuryFlow spreadsheet add-in to your account
Paste this key into the TreasuryFlow add-in for Excel or Google Sheets to pull your cash position into a spreadsheet — it has the same read-only access as everything else here. Generating a new key immediately replaces any previous one, so if you already use the add-in you'll paste the new key. Signed in with Google? Generate your first key here.
Add your VP of Finance, controller, or accountant to your account
They sign in with their own Google account and see your cash position, transactions, and forecasts — never your billing or bank credentials. Included in your plan, no extra charge. You can revoke access anytime.
Access
View-only sees everything; a full editor can also categorize transactions and edit forecasts, budgets, and entities.
Refer a CFO — Earn 1 Free Month
Share TreasuryFlow with a fellow CFO. When they subscribe, you get a free month.
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Email nudges
Your dashboard always has the full picture. Choose how often a short nudge points you back to it.
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Close account
Permanently delete your account and all data. This cancels billing, revokes bank access, and can't be undone. Export anything you need first — your data is always free to export.
New Reporting Group
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Add Scheduled Outflow
Set your cash floor
If a lender requires a minimum balance, we'll watch your 13-week low against it — deterministic, summed from posted bank transactions.
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We'll review this at our next board meeting.
Edit bank
Rename and/or tag the role for Bank. Role controls the Liquid / Restricted / Investment split.
Changing the role re-buckets this account in the dashboard header immediately.
Remove Bank?
Disconnecting stops live sync. Choose what to do with historical transaction data.
Daily Reconciliation
Posted transactions only — ties to the bank statement.
Keyboard Shortcuts
Open command palette⌘K / Ctrl+K
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Use ⌘K to search and navigate to any section instantly