Our AI + Human Service Architecture
AI handles high-velocity data ingestion and ledger matching. Our senior human controllers deliver strategic validation. You get total financial peace of mind.
Core Financial Capabilities
Eleven specialized financial & operational functions built to take your SMB from messy records to investor-ready clarity.
AI-Powered Bookkeeping & Reconciliation
From $299 / moIncluded in Starter ($299), Growth ($699), and Scale ($1,299) plans.
Automated daily transaction categorization and monthly reconciliations, strictly reviewed and verified by senior human accountants.
Strategic Accounting & AP/AR
From $499 / moIncluded in Growth Controller ($699/mo) and Scale Controller ($1,299/mo).
Streamlined accounts payable, customer invoicing, and accrual-based accounting with automated anomaly checks.
Real-Time Cash Runway & Snapshots
From $199 / mo100% Free & Included in Growth Controller, Scale Controller, and all Virtual CFO retainers.
Weekly plain-English cash summaries, dynamic runway dashboards, and predictive scenario modeling.
Tax Planning & Readiness Alerts
From $1,500 / yrComplimentary annual tax strategy review included in all Virtual CFO Retainers ($5,000/mo).
Year-round deduction gap detection, automated tax-readiness tracking, and seamless year-end tax preparation.
Fractional, Virtual & Remote CFO Services
From $5,000 / moIncludes full bookkeeping oversight, 13-week runway modeling, board packets, and tax planning.
Executive financial strategy, dynamic 13-week cash runway modeling, and proactive capital advisory without the full-time $250k+ CFO salary.
Automated Catch-Up Bookkeeping
From $750 / quarterFree diagnostic ledger audit included with every Bookkeeping or CFO retainer onboarding.
Months or years behind on your books? AI parses historical statements fast to bring your financials 100% current.
Financial & Operational Project Management
From $1,250 / projectIncluded in Scale Controller ($1,299/mo) and Enterprise CFO Retainer ($8,500/mo).
End-to-end project budget forecasting, milestone execution tracking, resource allocation, and workflow optimization.
Executive CFO Dashboards & Real-Time BI
From $450 / moZero setup fee and included in Growth Controller ($699), Scale Controller ($1,299), and all CFO retainers.
Transform static, backward-looking accounting reports into real-time interactive financial intelligence, runway tracking, and executive KPI command centers.
Financial Planning, Budgeting & Analysis (FP&A)
From $2,500 / moFully included in our $5,000/mo Strategic Virtual CFO and $8,500/mo Enterprise CFO retainers.
Dynamic 12-month rolling budgets, headcount planning, multi-scenario forecasting, and monthly Budget vs. Actual (BvA) variance analysis.
Dynamic Financial Modeling & Corporate Valuation
From $3,500 / buildIncluded as a strategic deliverable in our $5,000/mo Virtual CFO retainers.
Audit-grade three-statement financial models, dynamic scenario & sensitivity analysis, venture capital fundraising decks, and corporate valuation.
Business Operations & Unit Economics Modeling
From $2,500 / sprintIncluded in our $5,000/mo Strategic Virtual CFO and $8,500/mo Enterprise CFO retainers.
Operational capacity planning, CAC/LTV cohort economics, inventory throughput forecasting, and gross margin pricing optimization.
Why We Publish Our Starting Prices
Traditional accounting and advisory firms hide their rates behind high-friction sales calls and arbitrary markups. At CashFlowCalm, we practice the Transparent Floor Rule: you always know the exact baseline investment before engaging our team.
| Financial Service | Transparent Starting Floor | Billing Model | Details |
|---|---|---|---|
| AI-Powered Bookkeeping & Reconciliation | $299 / mo | Monthly Subscription | View → |
| Strategic Accounting & AP/AR | $499 / mo | Monthly Retainer or Plan Bundle | View → |
| Real-Time Cash Runway & Snapshots | $199 / mo | Monthly SaaS + Controller Oversight | View → |
| Tax Planning & Readiness Alerts | $1,500 / yr | Annual Package or $150/mo Retainer Add-on | View → |
| Fractional, Virtual & Remote CFO Services | $5,000 / mo | Executive Monthly Retainer | View → |
| Automated Catch-Up Bookkeeping | $750 / quarter | One-Time Project Milestone | View → |
| Financial & Operational Project Management | $1,250 / project | Fixed Milestone or $750/mo Retainer Add-on | View → |
| Executive CFO Dashboards & Real-Time BI | $450 / mo | Monthly BI Maintenance & API Sync | View → |
| Financial Planning, Budgeting & Analysis (FP&A) | $2,500 / mo | Monthly Advisory Retainer or Quarterly Sprints | View → |
| Dynamic Financial Modeling & Corporate Valuation | $3,500 / build | Fixed-Scope Project Sprint or Retainer Deliverable | View → |
| Business Operations & Unit Economics Modeling | $2,500 / sprint | Fixed-Scope Project Sprint or Retainer Add-on | View → |
Looking to bundle multiple financial services into a unified package?
Review our Two-Track models (Bookkeeping & Controller from $299/mo or Dedicated Virtual CFO from $5,000/mo).
How AI Makes CashFlowCalm Faster (and Calmer)
Traditional firms spend 80% of your billable hours manually categorizing receipts and typing out spreadsheets. We flipped that ratio.
1. Instant Data Processing
AI continuously ingests transactions from your banks, credit cards, and invoice tools, matching receipts and flagging anomalies 24/7 without manual delay.
2. Proactive Insights
Instead of waiting 15 days after month-end for a PDF P&L, AI generates weekly plain-English cash summaries and dynamic 13-week runway forecasts.
3. Dedicated Human Counsel
Because AI handles the routine data entry, your human bookkeeper and Fractional CFO have the bandwidth to actually advise you on tax strategy and margin growth.
Industries We Serve
We have deep expertise in the specific financial challenges of these dynamic sectors.
E-commerce & Online Retail
Master inventory COGS, multi-platform sales tax nexus, landed cost valuation, and Shopify/Amazon reconciliations.
Professional Services & Agencies
Mastering project profitability, billable utilization rates, partner draws, and predictable retainer cash flow.
SaaS & Technology
ASC 606 revenue recognition, MRR/ARR cohort modeling, R&D tax credits, and investor financial decks.
Healthcare & Medical Practices
Medical practice accounting, insurance claims AR, HIPAA-compliant financial processes, and provider payroll.
Construction & Real Estate
Master percentage-of-completion accounting, job costing, and property portfolio trust accounting.
Real Estate & Property Management
Property-level P&L consolidation, trust accounting, 1031 exchange tracking, and investor distribution modeling.
Manufacturing & Distribution
Raw materials, WIP inventory management, direct labor allocation, and supply chain cash runway forecasting.
Logistics & Transportation
Fleet fuel cost management, IFTA tax compliance, driver payroll, and freight invoice factoring AR.
Hospitality & Food Services
POS register reconciliations, food COGS controls, tip credit payroll, and high-turnover labor management.
Retail & Consumer Businesses
Multi-location inventory tracking, shrink management, seasonal cash burn modeling, and sales tax compliance.
Education & EdTech
Tuition revenue recognition, grant compliance, institutional budgeting, and operational FP&A.
Non-Profit Organizations
Fund accounting, Form 990 tax filings, donor-restricted funds tracking, and board financial reporting.