Features
Every job, handled. Not just recorded.
Most tools hand you a pile of parts and leave the assembly to you. Owner CFO is built the other way: the bank feed, the receipts, the profit, the tax, the payroll, and the answers are one machine. Each piece hands its work to the next.
No card to start. Bring your numbers across in minutes. Leave whenever you like.
Banking
Every transaction, sorted the moment it lands
Connect your bank or drop in a file. Each line arrives already categorised, split where it should be, and matched to the right account. The dull part does itself.
- Connect a feed or import a statement, your call
- Personal-use splits handled, like the 80% on fuel
- It learns your corrections and stops asking twice
Sorted on arrival
98% auto-categorised
Bunnings Warehouse
Auto. Materials
-184.50
Stripe payout
Auto. Sales income
+2,940.00
Z Energy
Auto. Vehicle, 80% business
-96.20
Adobe Creative Cloud
Auto. Software
-94.99
Receipts
Photograph it, keep the deduction
Snap a receipt on your phone and it is read, filed, and matched to the right expense in seconds. The glovebox of fading paper is over, and so is the lost claim.
- Vendor, date, GST, and total read for you
- Matched to the expense it belongs to
- Stored as evidence, ready if the tax office ever asks
Read and filed
- Vendor
- Mitre 10 Mega
- Date
- 04 Jun 2026
- GST
- $17.74
- Total
- $136.00
Profit
Live profit, not a story told in hindsight
A real profit and loss that moves as your money moves. You see what is actually yours to keep today, not a number worked out next autumn.
- Revenue against cost, updated as it happens
- Know your margin before you take a drawing
- The same view always current, not built once a year
Revenue, MTD
$31,480
+8.2%
Costs, MTD
$18,640
+3.1%
Net profit
$12,840
+14%
Revenue against cost
The gap is what you keep. It widens as the months run.
Tax
GST and BAS, worked out and ready to file
Your return is built from transactions already sorted, so it is prepared while you sleep. Sales GST, purchase GST, and the net to pay, set aside and waiting.
- NZ GST 101A and AU BAS, from the same clean data
- The amount owing held back in a tax pot, not a surprise
- Provisional tax and PAYG instalments tracked to the date
Period
Apr 1 to May 31, 2026
GST on sales
Box 5
+4,722.00
GST on purchases
Box 11
-2,968.40
Net GST to pay
Already set aside in your tax pot
$1,753.60
Filing in Australia? The same figures arrive as a BAS, with PAYG worked in.
Watchful
A second set of eyes that never blinks
We watch the numbers so you do not have to. The double charge, the bill that jumped, the subscription you forgot. Flagged while it still matters.
- Duplicate and unusual charges caught early
- Bills that spike against their own history, surfaced
- Quiet by default, it only speaks when something is off
Adobe charged twice this month
$94.99
Same vendor, same amount, two days apart. Most likely a duplicate.
Power bill up 38% on last month
Seasonal, or worth a look
A subscription you stopped using
No logins in 4 months
Quote to cash
Quote to paid, all in one flow
Send a quote, turn it into an invoice in a tap, and watch the payment land against your books on its own. The whole job, start to settled, in a single thread.
- Quote becomes an invoice without re-keying a thing
- Payment matched and reconciled automatically
- Every job shows exactly where the money is
Quote
Sent
$4,200
Invoice
Issued
$4,200
Paid
Cleared
$4,200
Payroll
Payroll with KiwiSaver already handled
Run the team's pay with PAYE and KiwiSaver worked out and filed for you. Payday becomes a button you press, not a night you dread.
- PAYE, KiwiSaver, and employer contributions calculated
- Filed to Inland Revenue on your behalf
- Payslips out, net pay clear, records kept
Jordan Mehta
Qualified builder
Gross pay
40 hrs
$2,400.00
PAYE
Tax
-432.00
KiwiSaver
Employee 3%
-72.00
KiwiSaver
Employer 3%
+72.00
Net take-home
PAYE and KiwiSaver filed to IR for you
$1,896.00
Advice
Plain-English answers, when the question actually lands
Ask a real question in real words and get a clear answer drawn from your own numbers. No appointment, no jargon, no waiting until the year is over.
- Answers read from your live figures, not generic tips
- Said plainly, the way you would explain it to a mate
- There at 11pm on a Sunday, when the question lands
Can I afford to take $5,000 out this month?
Yes, but leave a little room. After this month's GST and the tax you have set aside, you would have $8,300 of genuine surplus. Drawing $5,000 keeps you comfortable.
Surplus
$8,300
After draw
$3,300
Tax safe
Yes
Reads your real numbers. No appointment, no waiting until May.
One price, every job above
Eight jobs, one machine, one bill.
The bank feed, the receipts, the profit, the tax, the watching, the invoicing, the payroll, and the answers. All of it, for less than you pay your current tools today.
No card to start. No lock in. Leave in two clicks.