Agentic CFO is an autonomous AI finance agent. Upload your profit and loss statement and it reads every line, spots what matters and tells you what to do next, without the jargon.
Free to try. No card needed for the taster. Not regulated financial advice.
No accounting software integration, no meetings, no waiting list. The AI agent does the work end to end.
Export your profit and loss from Xero, QuickBooks, Sage, FreeAgent or a spreadsheet and upload it. PDF, CSV and Excel all work. For the free taster, just enter seven headline figures.
Your AI CFO checks margins, cost lines and trends, compares them with typical patterns for your type of business and works out what matters most.
A clear red, amber or green health rating, what is going well, what needs attention and the few practical changes most likely to improve profit.
What finance teams are actually doing with AI agents, summarised in plain English with a link to every source. Updated 17 Oct 2026.
Zone & Co's AgentHQ launched with more than ten specialist agents for bill matching, bill payment and period close.
Read more and see the source → Bookkeeping and bank reconciliationChatFin's agents sit on top of ERPs such as NetSuite, SAP, Dynamics 365 and Sage Intacct to propose reconciliations, code invoices and draft accruals, with a human-in-the-loop approval model and no data migration.
Read more and see the source → Bookkeeping and bank reconciliationMagpie is an AGPL-licensed accounting command-line tool, shared on Hacker News as a way to turn an AI agent into a bookkeeper.
Read more and see the source →Simple UK pricing. Cancel subscriptions any time.
Three headline ratios from your P&L, explained in plain English.
The full one-page diagnosis of your profit and loss.
Track progress with a fresh health check every quarter.
Anonymised library of common P&L issues by industry and issue type.
AI tools for small business finance, reviewed and explained.
Most owners begin with the free taster, then decide.
Everything in one bundle: your AI CFO on call all year.
Paid plans are launching soon. Join the waitlist and we will email you when checkout opens. The free taster is open now. Reports are AI-generated guidance, not regulated financial advice.
Enter seven headline figures from your latest profit and loss. Your AI CFO will email you three ratios, each explained in plain English:
Each one comes with a plain-English line saying whether it looks healthy for your industry.
Our sample P&L Health Check is for a fictional independent café. It shows the format every report follows.
An anonymised library of the most common P&L issues, organised by industry and by issue type, so you can see what similar businesses run into and how they fix it.
Food cost creep, staffing on quiet days, pricing after supplier rises.
Under-quoted jobs, materials margin, subcontractor costs.
Discounting, returns, delivery and platform fees.
Utilisation, write-offs, software and subscription sprawl.
Agentic CFO is a standalone, autonomous AI CFO agent service for UK small businesses. It reads your profit and loss statement and produces plain-English reports on how your business is doing and what to change.
No. Agentic CFO provides AI-generated analysis for general information only. It is not regulated financial, tax, legal or investment advice, and it is not authorised by the Financial Conduct Authority. Please check important decisions with a qualified accountant or adviser.
For the free taster, nothing: you just type in seven headline figures. For the paid report, your profit and loss statement, ideally for a full year. An export from Xero, QuickBooks, Sage, FreeAgent or a spreadsheet in PDF, CSV or Excel format is fine. You do not need to connect your bank or accounting software.
After paying for the £49 health check or quarterly re-checks you are taken to a page with your order reference. Email your P&L (PDF, Excel or CSV, last 12 months) to [email protected] with the subject "P&L Health Check - [order ref]". Lost the page? Send your P&L here and include the email address on your payment receipt.
Your figures (or, for paid reports, your uploaded file) are used to produce your report. We only use your data in anonymised form, for example to build the Industry Insights Directory, if you opt in, and you can withdraw that consent at any time. We never sell your data. You can ask us to delete your data by emailing [email protected].
Three headline ratios from your P&L. Gross margin: how much of each £1 of sales you keep after direct costs. Net margin: what's left as profit at the end. Overheads: how much of your income goes on running costs. Each one comes with a plain-English line saying whether it looks healthy for your industry. You just type in seven figures; no file or card needed.
The free taster gives you three headline ratios (gross margin, net margin and overheads), each with a plain-English verdict. The £49 P&L Health Check is the full one-page report: line-by-line review, comparison with similar businesses and the three changes most likely to improve profit.
Pro is £19 a month and bundles a full P&L Health Check, quarterly re-checks, full Industry Insights Directory access (when it launches) and the premium newsletter. You can cancel at any time.
Reports are produced end to end by the AI agent. That keeps them fast and affordable. If something in your report looks wrong or unclear, email [email protected].
Start with the free taster, or join the waitlist for the £49 health check, then send us your profit and loss. The AI agent checks your margins, cost lines and trends, compares them with typical patterns for your type of business and sends you a one-page report with a red, amber or green rating and the three changes most likely to improve profit.
We aim to send your one-page PDF report within 2 working days of receiving your P&L. That is a target, not a guarantee.
Paid checkout is opening soon. The prices shown are what you will pay: £49 for the P&L Health Check, £99 a year for quarterly re-checks, £12 a month or £99 a year for the premium newsletter and £19 a month for Agentic CFO Pro. Join the waitlist and we will email you when it opens. The free taster is available now.
Yes. See our Sponsors page and download the media kit.