Try CFOAvatar with a sample Australian business
Switch between sample businesses. Watch the dashboard and AI insights change, then ask the questions owners ask us every week.
What CFOAvatar does every day
Live financial dashboard
Revenue, gross profit, cash, debtors and business value, refreshed daily from your ledger.
13-week and 12-month cash forecasts
Including BAS, PAYG instalments, Payday Super and payroll tax timing, so shortfalls show up 30, 60 and 90 days ahead.
Debtor ageing and collections
0–30, 31–60, 61–90 and 90+ day buckets by client, with a priority follow-up list each week.
Monthly management reports
Board-style MIS against prior month, last year and budget, with CFO-written commentary.
KPI tracking
Gross margin, net profit %, debtor days, cash conversion cycle and revenue per employee, plus your industry's KPIs.
Ask CFOAvatar, 24/7
"Can we afford this hire?" "Why is cash down?" You get answers from your own numbers, in seconds.
Not just a dashboard: an AI CFO with real CFOs behind it
Accounting platforms now ship AI features, and they're useful. But a dashboard can't sit with your banker, challenge a pricing decision or tell you a growth plan is too risky. CFOAvatar was built by practising CFOs and runs inside a service:
One of our Australian CPA partners owns your relationship, leads board and investor conversations, and signs off the advice that matters.
Experienced CFOs and analysts with Big Four and Fortune 500 backgrounds build your forecasts, reporting and models, working to Australian business hours.
Connects to your accounting software and watches cash, margin, debtors and KPIs every day. It answers questions 24/7 and flags risks before month-end.
| Accounting software AI | Traditional virtual CFO | CFOSurge AI CFO | |
|---|---|---|---|
| Daily monitoring | Varies | Typically monthly | Yes |
| Forward cash forecast | Basic | Yes | Yes, updated continuously |
| Answers in plain English | Limited | When you book a call | 24/7 |
| Senior human judgement | No | Yes | Yes, with Australian CPA partners |
| Typical monthly cost | Included in subscription | A$3k–A$10k+ | From A$1,500 |
Works with any accounting software
CFOAvatar connects to any accounting system, including Xero, MYOB Business and AccountRight, QuickBooks Online, NetSuite, Sage, Reckon and Microsoft Dynamics, plus payroll, CRM and inventory tools. Our team sets up the connection, typically in about 10 minutes, and maps your chart of accounts so the KPIs make sense for your industry.
AI CFO pricing in Australia
AI CFO Essentials
For owner-led businesses that need forward-looking numbers now.
- CFOAvatar AI CFO connected to your accounting software (Xero, MYOB, QuickBooks, NetSuite and others)
- Live dashboard: cash, margin, debtors, KPIs
- Rolling 13-week cash flow forecast
- Monthly CFO-reviewed management report
- Monthly review call with a senior CFO
- Ask CFOAvatar 24/7
Fractional CFO
A named CFO embedded in your business for set days each month.
- Everything in Essentials
- Budget, 3-way forecast and scenario models
- Board pack and attendance at board meetings
- Bank and lender reporting
- Pricing, margin and cost programs
- Australian CPA partner oversight
Strategic & Interim CFO
Capital raising, exit, turnaround or interim cover.
- Capital raising and investor data room
- Exit readiness and vendor due diligence
- Turnaround and ATO or lender negotiations
- Interim CFO cover during recruitment or leave
- Fixed fee or milestone pricing
Prices in AUD, exclusive of any applicable taxes. Start risk-free: if you're not satisfied in the first two weeks, you don't pay. No long lock-in contracts.
See CFOAvatar on your own numbers
Book a 15-minute demo
We show you CFOAvatar on a sample company from your industry.
Connect your accounting software
Our team sets up the connection to your accounting software.
7-day free trial
Use the dashboard, forecasts and Ask CFOAvatar on your own data. No credit card needed.
Frequently asked questions
What is an AI CFO?
An AI CFO is software that performs core CFO tasks continuously: forecasting cash, tracking KPIs, analysing margins and answering financial questions, using your live accounting data. CFOSurge's AI CFO, CFOAvatar, is backed by human CFOs and Australian CPA partners.
Can an AI CFO replace a human CFO?
Not entirely. AI is excellent at continuous monitoring, forecasting and fast answers. Humans are still needed for judgement, negotiation and accountability, for example with banks, investors and boards. That's why CFOAvatar comes with a senior CFO team and Australian CPA partners.
How much does an AI CFO cost in Australia?
CFOSurge's AI CFO Essentials starts at A$1,500 a month. It includes CFOAvatar, a 13-week cash forecast, a monthly CFO-reviewed report and a monthly review call.
Does CFOAvatar work with Xero and MYOB?
Yes. CFOAvatar connects to any accounting software, including Xero, MYOB, QuickBooks Online, NetSuite, Sage and Reckon.
Does the AI understand Australian tax and payroll rules?
CFOAvatar's forecasts include BAS and GST timing, PAYG instalments, the 12% Super Guarantee paid on payday, and state payroll tax. Tax lodgements stay with your registered tax agent.
Is there a free trial?
Yes. After a 15-minute demo, you get a 7-day free trial on your own data with no credit card.