BIG4CFO

Monthly plans

Monthly financial reports, checked to the cent

A monthly plan connects read-only to QuickBooks, Xero, Sage and others: you sign in yourself, and we never see your password or change anything. Plans cost $349, $599, $899 or $1,999 a month.

Your first report arrives once every transaction in your books accounts exactly for the balances your accounting system reports, to the cent on every bank and card account. After that, one arrives every month with a plain-English note on what needs your attention.

Ongoing monitoring

Monthly reporting software: reconciliation, cash flow forecasting and margin analysis.

Some businesses want their numbers checked every month, not just once. If you're never quite sure your books add up, this is the fix: monthly reports you can trust, checked to the cent every month, with a written finding on what is worth a closer look.

Software, not a service

Every report is generated automatically by our software from your own records. No accountant, adviser or consultant prepares it, and nothing in it is accounting, tax, legal or investment advice: findings point to what is worth checking, and the decisions stay yours.

It does not replace your bookkeeper, your accountant or your tax filings. It reads the books they keep and replaces the monthly scramble to find out whether the numbers are right.

Our monthly plans start at $349.

Monthly plan

Foundational

Solo operators & small service businesses

$349/mo

  • Monthly P&L that ties to your books' own figures, with your bank and card balances checked to the cent against your accounting system
  • 13-week rolling cash flow forecast, and a 12-month forecast on three paths
  • Key figures every month: margins, debtor days, cash cover, runway and more, each with its definition
  • Year-over-year comparison, wherever there is a record of last year
  • A quarterly board pack, ready for your board, your investors or your bank
  • Automated transaction categorization
  • Receivables and payables balances checked against your books
  • A written, plain-language finding each month
  • Find the leaks every month: duplicate payments, rising charges, fees and overdue invoices, with the transactions behind each
  • Unlock the profit: what 1% on price, 1% off costs or faster collection is worth, on your own figures
  • Your goals and one big hairy audacious goal, measured against your books every month — and celebrated when you reach them
  • An interactive report: look at any month or year, and compare it with any other
  • An Excel workbook with live what-if levers, plus balance sheet and cash flow statement

Recommended

Monthly plan

Growth

Growing businesses hunting margin

$599/mo

  • Everything in Foundational
  • Budget vs. actual tracking: where spending runs over or under, category by category
  • Scenario planning: what cutting costs or investing more actually changes
  • Estimated product margins, from the prices and costs in your product catalogue
  • Cohort retention: customer and revenue retention, side by side
  • CAC payback & LTV:CAC analysis
Monthly plan

Leverage

Businesses carrying loans or a credit line

$899/mo

  • Everything in Growth
  • Debt tranche tracking: principal, interest and the full amortization schedule
  • Your monthly debt service, set beside your cash flow forecast
  • What your balloon payment actually is, and when it lands

Fixed-rate loans only: we do not project floating rates we cannot know. This tracks what you owe and when. It is not a covenant compliance opinion, because your lender measures compliance using your loan agreement's own definitions.

Monthly plan

Capital Stack

Real-estate syndications & JV partnerships

$1,999/mo

  • Partnership distribution waterfall: preferred return, catch-up and split, calculated to the cent
  • You confirm the waterfall terms before your first report
  • Debt tranche tracking: principal, interest and repayment schedule
  • Every monthly report: leak checks, profit levers, goals, the interactive report and the Excel workbook

A calculator for the terms you enter and confirm — not fund administration, investment or legal advice. One waterfall structure is supported so far: a preferred return, a catch-up, then a split.

Accountants and bookkeepersRun every client's monthly reporting from one workspace.Partner seats from $249 a client a month. Charge our normal price and keep the difference.Become a partner →

Questions

What does "checked to the cent" mean?
Every figure is checked against your own balances before it is used. A statement's opening balance plus money in, minus money out, must equal its closing balance exactly. If it does not, we say so instead of reporting on figures that do not add up. A profit and loss and balance sheet are checked against themselves: every month's profit must match their own bottom line, and the balance sheet must balance. The one exception is an Excel or CSV export of bank transactions uploaded for a one-time report: it has no balances to check against, so that report says its figures were read from your spreadsheet and not verified. On a monthly plan, every transaction in your books must account exactly for the balances your accounting system reports for your bank, card, receivable and payable accounts — with no difference allowed on bank or card.
What if my accounting system isn't QuickBooks or Xero?
Monthly plans also connect to Sage Intacct, Sage Business Cloud, NetSuite, FreshBooks, Zoho Books and Wave, among others. Desktop systems such as QuickBooks Desktop, Sage 50 and MYOB AccountRight work by upload instead: each month you export your trial balance and upload it with your bank statements, and every bank account is tied to the bank's own statement to the cent. If you use something else, ask. One-time reports don't need an accounting system at all: bank statements are enough.
Can I compare month over month, or year over year?
On a monthly plan, every report compares the month with the one before, and each month's reconciled results are kept, so your history builds up over time. One-time reports compare the months you upload (three or twelve statements), but they are a single snapshot: your documents are deleted after 30 days and nothing is kept for later comparison.
Do I still need my bookkeeper or my accountant?
Yes. Big4CFO does not replace either of them and does not prepare accounts, file taxes or give professional advice. Your bookkeeper records the transactions; your accountant handles your tax and your annual financial statements. Big4CFO is reporting software that reads the books they keep: it checks that they add up, tracks margin and cash, and flags what is worth a closer look.

Get your report

Find out where your money is going.

Start with a one-time check on your bank statements or financial reports, or have your books checked to the cent every month.

Get a one-time reportSee monthly plansRead a sample report first