The honest AI CFO · built for small & medium business

The whole C-suite,
in your pocket.

Runs the numbers like a CFO. Watches operations like a COO. Calls the plays like a CEO. Honest like none of them. Real statistical engines read your business and tell you what changed, why, and what to do, with the math attached to every claim. Built for the businesses that actually run Main Street: the food truck, the salon, the twelve-person firm. The owners who never got a finance department.

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A preview of the Counsel app: the morning brief reads “Trailing 30 days are up 12% on the 30 before,” a sentinel notes every day is inside its weekday band, and metric tiles show revenue with tap-to-open math receipts.

Receipts, not narratives

The incumbents ship AI that summarizes.
Counsel ships AI that shows its work.

Fluent paragraphs with no error bars are a new kind of risk. Every claim Counsel makes carries the method that produced it, the confidence it deserves, and a tap-to-open receipt. When the math can't support a claim, it says so. Refusal over guessing, always.

Them · copilots, dashboards & ledgers
Counsel · receipts
“Revenue looks a bit soft this month.”
“Structural break Mar 6, −28%, p < 0.001. Welch test, your ledger.”
A single forecast number
A range with a confidence band, because ranges are the honest answer
“Consider reviewing your pricing.”
“Measured elasticity −0.7 from your own price change; +5% projects ≈ $556/mo. Track it; grade it in 30 days.”
Insights you read
Insights that become tracked, graded decisions
Your books on their cloud
Analysis on your device. Airplane mode works
QuickBooks & Xero: they record what happened
Counsel reads the record: what changed, why, and what to do next
Square · Shopify · Toast: charts of their own register
Every pipe in one ledger, merged, with cross-source echoes removed
Fractional CFOs: the 13-week view at $2–5k a month
The same statement, computed daily, at pocket-app price
Sum of the difference
An advisor you can audit.

Every player above gets a fair seat at the table. the full field, honestly ↓

The field, honestly

Everyone at this table does one job well.

Fair is fair: these are serious tools, and most businesses run several of them. But look at the seats: recorders, registers, analyst benches, enterprise plumbing, expensive humans, and a spreadsheet holding it all together. Nobody is sitting in the advisor's chair.

QuickBooks · Xero

The bookkeeper's ledger

Brilliant at recording what happened: invoices, payroll, taxes, compliance. The system of record, and rightly so.

A rearview mirror. It counts; it doesn't counsel.

Square · Shopify · Toast

The register's own reports

Built in, free, and decent. Every platform will happily analyze the slice of your business it processes.

Each sees one pipe. Your business is every pipe at once.

Tableau · Power BI

The analyst's bench

Genuinely limitless in the hands of a data team with time to model, chart, and interpret.

Food trucks don't employ analysts. Power without a pilot.

NetSuite · SAP

The enterprise suite

Runs the Fortune 500's plumbing end to end, from procurement to close, audited and airtight.

Six-figure implementations. Overkill, by design.

Bench · Pilot · fractional CFOs

The human experts

The gold standard: judgment, context, someone accountable. If you can afford one, hire one.

Hundreds to thousands a month. And they visit monthly, not hourly.

◆ Counsel

The advisor's chair

Every pipe in one ledger. CFO-grade math with receipts on every number. Watching daily, grading its own advice.

The empty seat at the table, finally filled. At pocket-app price.

Three rooms, one advisor

The morning read. The statement.
The engine room.

Today · the morning brief

Urgency earns its register

A 5% dip gets calm. Spending at 2× revenue gets urgency, with visible thresholds. The advisor's tone is itself a claim with receipts.

P&L · the statement

The statement owners already read

Revenue by product, expenses by vendor, net by month. Every line opens to its receipts, plus an honest month-end projection with a band.

Insights · the lab

Nine engines, real milliseconds

Each engine checks in by name with its actual timing. Watch the whole battery run on your phone in under a second. That's Aurora working.

Math with a pedigree

The math your accountant's software doesn't have.

Counsel is powered by Aurora, a glass-box statistical engine whose Rust core is parity-tested against scientific reference implementations. These aren't dashboard tricks. They're the same instruments serious rooms run, sized to your shop and translated into plain English.

Change-points

PELT detection

Finds the exact day your numbers structurally changed. Not a dip, a regime change.

The detector genomics labs use.
Survival

Kaplan–Meier

Knows who's quietly gone versus who just hasn't come back yet. The math can tell the difference.

The method hospitals use to read patient outcomes.
Risk

Monte Carlo

Runs a thousand plausible versions of your next 90 days and counts how many go wrong.

How engineers stress-test bridges, applied to your cash.
Inventory

Newsvendor fractile

Balances the cost of running out against the cost of sitting on stock. An optimum, not a hunch.

The model airlines and major retailers run at scale.
The instrument panel

Serious instruments, pocket-sized.

AR(1) · 95% analytic intervals

The band ahead. The shaded fan is the honest answer; the middle line is just its center. Ranges, never point promises.

The 13-week cash view

The report fractional CFOs charge four figures for: banded cash-in against your bill schedule, cumulated week by week, with tight weeks flagged months ahead.

Tap any number · the receipt

Every figure opens its method card: plain English, the key stat, the notation, the pedigree. Trust you can audit, one tap deep.

The spec sheet
Engine
Aurora core: Rust compiled to WebAssembly, 65 KB, zero dependencies, running on your device
Parity
Golden-tested against scientific reference implementations (SciPy, ruptures). Same answers, to the decimal
Instruments
PELT change-points · Welch tests · Kaplan–Meier survival · newsvendor fractile · AR(1) bands · Monte Carlo · weekday decomposition · event studies · exact identities
Latency
The full nine-engine battery in under a second, on a phone. Every run reports its real milliseconds
Sources
Stripe · Square · Shopify · Plaid bank feeds · Etsy · CSV drop-in, merged into one ledger with cross-source echoes removed
Offline
Installable PWA with a service worker. Airplane mode works, and that's a testable claim
Execution
Signed contracts only: you authorize the exact diff, every action is snapshotted, and the watchdog enforces an armed rollback trigger · prices & messages, never money
Honesty
Confidence on every claim · refusal over guessing · severity with visible thresholds · fabricated numbers: 0
Advice with a batting average

Counsel proposes. You commit.
The math grades.

Every insight can become a tracked decision contract: the action, the expected outcome, the dollars at stake, and a judgment date. When the window closes, the outcome gets graded against the numbers: held, mixed, or missed. No other advisor keeps score on itself. And when you're ready, Counsel can run the change for you. With signed execution, you authorize the exact diff, and the watchdog reverts it automatically if volume breaks a measured floor. Prices and messages, never money.

1

Propose

The engines surface computed contracts, like “Run the +5% price test · $556/mo at stake.” Never invented, only measured.

2

Commit

One tap moves it to your board: considering → testing → grading. The expected outcome is written down before the result exists.

3

Grade

The window closes and the call gets judged against the ledger, building a track record: “83% held of 12 graded.”

Steady · the calm is earned

“Every recent day inside its weekday band. Quiet is a finding.

When Counsel is calm, it's because the math checked: weekday norms, holiday awareness, robustness to outliers.

Critical · act, don't watch

“Spending is running 2.0× revenue. This needs action now, not observation.”

Severity has visible thresholds. The register shifts when the numbers demand it. Same handwriting, harder truth.

The number nobody computes

When can you finally pay yourself?

The most personal number in any small business, and no software computes it. Counsel does: the safe owner's draw is the largest salary the 13-week cautious path can carry with cash ending the quarter no lower than it started and never dipping below your floor. Earned by the business, never eaten from savings. And when the math can't support a salary yet, Counsel says so, and tells you which lever turns the number positive.

Computed · earned, not eaten

“You can safely pay yourself $3,200 a month: $1,600 on the 1st and the 15th.”

Found by binary search over the 13-week simulator: bills, variable spend, and the tax set-aside included. Sign it as a contract; the engines re-check it every sync and warn you before it stops being safe.

Refused · and told why

“Not yet. The first move is the bleed. Fix that, and this number exists.”

A refusal with a reason and a lever. When the number finally appears, it means something. That's the point.

Private by architecture

Airplane mode works.

That's not a slogan. It's a testable claim. The engines run in your hand, your books stay on your device, and the sync service holds encrypted tokens, never your data.

Analysis on your device

Aurora's Rust core compiled to WebAssembly runs the full battery locally: change-points in milliseconds, no server in the loop.

Tokens, not books

Connect Stripe, Square, Shopify, and your bank, all read-only. The cloud stores AES-encrypted access tokens only; transactions pass through to your device and are never persisted.

Nothing sold, nothing trained

No ads, no analytics SDKs, no training on your data. Export everything or delete everything, any time, from Settings.

Built for the real economy

It speaks your line of work.

A food truck thinks in service days. A landscaper thinks in job days. A maker thinks in market stalls. Counsel tailors what it leads with, and its working-day P&L, to 44 lines of work.

Food trucksservice days Landscapersjob days Contractorsdraw schedules Restaurantscovers Makersmarket stalls Salonschair hours Coffee shopsthe morning rush Plumberscall-outs Electriciansbids Gymsmemberships Photographersbookings Ecommercecarts Breweriespours Freelancersretainers Realtorsclosings Pet groomersappointments Truckersmiles Hostsstays HVACthe season swing Event plannersdeposits
Stripe Square Shopify Plaid · bank Etsy QuickBooks · soon Xero · soon

One business, many pipes. Connect each tool once. A single sync merges every register into one ledger, the bank feeds expenses, and every engine reads the whole picture. Or skip accounts entirely and drop in a CSV, parsed on your device and never uploaded.

Meet your Counsel.

The live demo runs the full engine battery in your browser. No install, no sign-up, and no data leaves your device. Bring a CSV if you want to see it read your business.