Do I need a CFO? 60-second diagnostic

Eight questions. One honest answer. Find out whether your business needs a full fractional CFO, an AI CFO with monthly review, or just tighter bookkeeping.

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The short answer

You likely need CFO support if your revenue is above about A$2–3M, you can't see your cash more than a month ahead, you're raising or borrowing in the next 18 months, or you don't know margin by product or customer. The diagnostic below scores your readiness and recommends the right level of support.

Interactive

Do I Need a CFO? Diagnostic

1. Annual revenue

2. How far ahead can you see your cash?

3. Raising capital, borrowing or selling in the next 18 months?

4. Do you have a budget you actually track monthly?

5. Do you know gross margin by product, job or customer?

6. How many entities, states or currencies?

7. Who presents the numbers to your board or investors?

8. Payroll tax, ATO debt or covenant pressure?

Method

How it works and how to use the result

Each answer is weighted by how strongly it predicts the need for forward-looking financial leadership. Scores under 35 suggest bookkeeping and an accountant are enough for now. Scores between 35 and 65 suit an AI CFO with monthly review. Scores above 65 suggest a fractional CFO.

FAQs

Frequently asked questions

Is the diagnostic accurate?

It's a quick guide based on the situations where CFO support most often pays back. A 30-minute consultation gives a more precise answer.

What if I score low?

Focus on timely bookkeeping and a basic cash forecast. Our free 13-week cash flow builder is a good start.

What if I score high?

Book a free consultation. We'll recommend scope and give you a fixed quote.

Last updated 15 October 2026 · Uses Australian rates and rules published at that date. Estimates only; not financial or tax advice.

Get CFO-level clarity on your numbers within 30 days.

Book a free 30-minute consultation. We'll review your numbers, show you CFOAvatar with your data, and tell you honestly whether you need a CFO yet.

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Do I need a CFO? 60-second diagnostic

Do I Need a CFO? Diagnostic

How it works and how to use the result

Frequently asked questions

Get CFO-level clarity on your numbers within 30 days.

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