# Talk to CFO — the CFO agent

> A virtual CFO you can talk to. It merges a business group's Xero and MYOB ledgers into one warehouse and answers finance questions by voice or text — cash, profit, overdue invoices, ageing, forecasts, balance-sheet ratios. Every figure is calculated deterministically and traced to the ledger row that produced it; the language model only chooses the calculation and words the answer, it never produces a number.

Live demo: https://talktocfo.au/ — open it in a browser, no sign-up needed. The demo runs on sample books of a group of companies, not on real client data.

## What it does

- Answers questions about the books in plain English, by voice or by typing: "How much cash do we have?", "Who owes us the most?", "Why did profit fall last month?", "What will cash look like over the next few weeks?"
- Consolidates several companies (entities) into one view, and answers for one company or for the group.
- Shows the same figures on screen: a CFO report, a live dashboard, Profit & Loss, Balance Sheet, a universal pivot report, a cash forecast and a 3D warehouse view of stock.
- Every number on screen and in the spoken answer comes from one calculation, so the voice and the screen always agree.

## How it answers — three rules

1. The model never produces a figure. Every number comes from a deterministic, unit-tested calculation.
2. The spoken answer and the screen are one calculation — one code path per metric.
3. Isolation is structural: one client's query cannot express another client's rows.

## Also known as

CFO agent, AI CFO, virtual CFO, Talk to CFO, Speak to CFO, CFO as an engine, CFO copilot, AI finance assistant. People find it by asking to talk to a CFO, speak to a CFO, communicate with a CFO, or for dashboards for Xero, MYOB or SAP.

## Who it is for

Owners, CFOs and finance leads of small and mid-sized businesses (especially groups of several companies) running Xero or MYOB, and the accountants and bookkeepers who serve them. Built in Australia.

## Try it on your own books

Any visitor can talk to the demo for a few minutes free. To connect your own books, press "Try it on your books" on https://talktocfo.au/ and leave your details. Xero and MYOB are the ledgers it reads today; tell us if you run SAP Business One, SAP S/4HANA, SAP Business ByDesign, Oracle NetSuite, Microsoft Dynamics 365, Odoo, QuickBooks or Sage.

## Pages

- [Live demo](https://talktocfo.au/): the CFO agent itself (a JavaScript application)
- [About](https://talktocfo.au/about): this description as a web page
- [The CFO agent](https://talktocfo.au/cfo-agent): AI CFO / virtual CFO you can talk to, speak to or chat with; the CFO as an engine
- [Dashboards for Xero](https://talktocfo.au/xero-dashboard): Xero financial dashboard, CFO report, cash flow forecast, debtor ageing, multi-entity consolidation
- [Dashboards for MYOB](https://talktocfo.au/myob-dashboard): MYOB AccountRight and MYOB Business dashboards, cash flow forecast, consolidation
- [Dashboards for SAP](https://talktocfo.au/sap-dashboard): SAP Business One, S/4HANA, ByDesign — on request
- [NetSuite, Business Central, Odoo, QuickBooks, Sage](https://talktocfo.au/erp-dashboards): on request
- [Multi-entity consolidation](https://talktocfo.au/consolidation): consolidate Xero and MYOB companies into one group view

## Contact

Designed, built and deployed by Sergii Diatchenko — sergii.diatchenko@gmail.com