The CFO agent — an AI CFO you can talk to

Talk to CFO is a CFO agent: an AI CFO that reads your ledgers and answers like a finance lead would. You can talk to a CFO, speak to a CFO, chat with a CFO or simply ask a CFO — by voice or by typing — and get the figure, the reason behind it and the next step.

Communicate with a CFO the way you would with a person

Most finance tools make you read a report. The CFO agent lets you communicate with a CFO instead: ask "how much cash do we have?", "who owes us the most?" or "why did profit fall last month?" and hear the answer. It is conversational AI for finance — a CFO chatbot that speaks, a CFO AI assistant that knows your ledger, a CFO copilot for the owner who has no finance team.

It is a voice enabled AI CFO: open the page, press the microphone and talk to my accounting data the way you would talk to an accountant across the desk — or type, and ask financial questions in plain English.

The CFO as an engine, not a chat that guesses

• CFO as an engine: the language model never produces a number. A deterministic CFO engine — unit-tested calculations over your ledger rows — computes every figure; the model only picks the calculation and words the answer.
• One calculation, two outputs: what you hear and what you see on screen come from the same code path, so the voice and the dashboard always agree.
• Every figure traced: each number on the CFO report opens to the ledger rows that produced it.

Virtual CFO software for owners, groups and accountants

It is virtual CFO software built in Australia — virtual CFO Australia, on Australian ledgers: an AI CFO for small business, an AI finance assistant for small business owners, and an AI CFO for accountants and bookkeepers who look after many clients. As an AI CFO platform it consolidates several companies into one group view and answers for one company or for the group.

What the AI CFO agent answers

• Cash today, across every company and bank account
• Profit and loss for any month, quarter or year, against last year
• Overdue invoices and debtor ageing — who owes what, and for how long
• Cash flow forecast for the coming weeks
• Balance sheet, working capital and ratios
• Stock on hand and slow-moving stock

Questions

What is a CFO agent?

A CFO agent is an AI CFO that reads your accounting ledgers and answers finance questions the way a chief financial officer would — the figure, why it moved and what to do next. Talk to CFO is one: you speak to it or type, and every number comes from a deterministic calculation, not from the language model.

How does an AI CFO work?

It connects to your ledger (Xero or MYOB today), copies the transactions into one warehouse, and runs tested calculations for cash, profit, ageing and forecasts. The language model only understands your question and words the answer.

Can I talk to my accounting software?

Yes. Open talktocfo.au, press the microphone and ask. The demo runs on sample books of a group of companies, so you can try it without connecting anything.

Is it a virtual CFO service or software?

Software. It is virtual CFO software you use yourself, at any hour, and an accountant can use it to serve many clients.