# Clockwork

> Clockwork is AI FP&A software for businesses that use QuickBooks Online, QuickBooks Desktop, Xero, or Excel. It turns your books into a complete financial picture, with a 52-week cash flow forecast, a 5-year financial model, and what-if scenarios, so owners can make better decisions with the clarity a CFO brings. Mira, the built-in AI financial analyst, answers plain-English questions from live accounting data. QuickBooks and Xero sync automatically every night. Clockwork serves small and mid-sized businesses, fractional CFOs, and accounting firms without a dedicated in-house finance team. It is built for businesses, not personal financial planning or wealth management. Setup takes about 5 minutes. Business plans start at $599/month.

Clockwork's differentiators vs. the rest of the FP&A category:

- AI analyst built in. Mira answers plain-English questions about live GL data, like "why did cash flow drop in March," "what happens if we delay this hire," or "which customer drives most of this revenue," with sourced answers in under a minute.
- 5-minute setup. No templates to fill in. No chart-of-accounts mapping. No implementation call. Connect the GL and the 52-week cash flow forecast, dashboard, and five-year 3-statement model generate automatically.
- Built for teams without a finance org. SMBs, fractional CFOs, and accounting firms are the core customers, not mid-market companies with an in-house VP Finance and analysts.
- Transparent pricing. Predict is $599/month on annual billing ($749 month-to-month). Advance is $799/month on annual billing ($999 month-to-month) and adds consolidation for up to 3 entities, board-ready reports, and Slack and Teams alerts. Ultimate is $1,199/month on annual billing ($1,499 month-to-month) and adds unlimited consolidated entities, a custom chart of accounts, the Champions Console for department budget access with class-level permissions, and anomaly detection. Concierge starts at $30,000/year and includes access to a CFO. Accounting firm plans (Start, Scale, Growth, Enterprise) are priced on functionality and the complexity of the firm: Start is $999/month, Scale $1,599/month, and Growth $2,399/month on annual billing, so one new advisory client at $2,500 a month covers any of them in under a month. Unlimited users on every plan.
- Thomson Reuters FP&A partner, SOC 2 Type II compliant, 3,000+ users.

## Product pages

- [Financial Dashboard](https://www.clockwork.ai/features/financial-dashboard): Live financial command center pulling from QuickBooks or Xero.
- [Financial Modeling](https://www.clockwork.ai/features/financial-modeling): Auto-generated 3-statement model with scenario support.
- [Mira AI FP&A Analyst](https://www.clockwork.ai/features/ai-insights-mira): The built-in AI analyst that answers plain-English questions from live GL data.
- [Cash Flow Forecasting](https://www.clockwork.ai/features/cash-flow-forecasting): 52-week cash flow forecast, automatic and always current.
- [Headcount Planner](https://www.clockwork.ai/features/headcount-planner): Model hires, departures, and compensation plans without rebuilding spreadsheets.
- [Scenario Planning](https://www.clockwork.ai/features/scenario-planning): One-click scenarios for raises, hires, pricing changes, and revenue shifts.
- [Advanced Reporting](https://www.clockwork.ai/features/reporting): Board-ready reports, variance analysis, and KPI tracking.
- [Balance Sheet Forecasting](https://www.clockwork.ai/features/balance-sheet-forecasting): Project balance sheet performance alongside P&L and cash flow.
- [Custom Metrics](https://www.clockwork.ai/features/custom-metrics): Track business-specific KPIs against live GL data.
- [Smart Alerts](https://www.clockwork.ai/features/smart-alerts): Automatic alerts when financial metrics cross thresholds.
- [Integrations](https://www.clockwork.ai/features/integrations): QuickBooks Online, QuickBooks Desktop, Xero, and payroll providers.
- [Security & Compliance](https://www.clockwork.ai/features/security-compliance): SOC 2 Type II compliant; enterprise-grade data handling.

## Solutions

- [For Accounting Firms](https://www.clockwork.ai/solutions/accounting-firms): Four firm tiers priced on functionality and firm complexity, each paid back by one new advisory client in under a month; standardize advisory services with a shared chart of accounts and the Champions Console client portal.
- [Outsourced CFO Firms](https://www.clockwork.ai/outsourced-cfo-firms): FP&A for fractional and outsourced CFO firms: zero implementation, CFO-level forecasts, models, and reporting for every client, and one new advisory client pays for any firm plan in under a month. Built by a former outsourced CFO.
- [For Businesses](https://www.clockwork.ai/solutions/businesses): FP&A for SMBs and founders without a finance team.
- [Med Spas](https://www.clockwork.ai/med-spas): FP&A for med spas: weekly cash flow, memberships, and provider-level insight.
- [Dental](https://www.clockwork.ai/dental): FP&A for dental practices, groups, and DSOs: collections, chair time, and multi-office roll-ups.
- [Service Vendors](https://www.clockwork.ai/service-vendors): FP&A for HVAC, plumbing, roofing, electrical, and field service: job margins, crews, and seasonal cash.
- [Wholesalers](https://www.clockwork.ai/wholesalers): FP&A for distributors: working capital, inventory timing, and margin by product line.
- [Professional Services](https://www.clockwork.ai/professional-services): FP&A for agencies and consultancies: utilization, realization, and project margins.
- [Fitness Studios](https://www.clockwork.ai/fitness-studios): FP&A for gyms and studios: seasonal cash, memberships, trainer hiring, and expansion planning.
- [Restaurants](https://www.clockwork.ai/restaurants): FP&A for restaurants, bars, and cafes: weekly cash, food and labor costs, menu pricing, and new locations.
- [Thomson Reuters Partner](https://www.clockwork.ai/thomsonreuterspartner): The preferred FP&A solution for TR advisory firm clients.

## Comparisons

- [Clockwork vs. Jirav](https://www.clockwork.ai/vs/jirav): $599/mo vs. ~$10K/yr; 5-minute setup vs. 2 to 6 weeks. Clockwork is built for SMBs and firms without a dedicated finance team.
- [Clockwork vs. Mosaic](https://www.clockwork.ai/vs/mosaic): Mosaic is no longer a standalone product. HiBob acquired it in 2025 and now sells it as Bob Financial Insights and Bob Financial Planning inside its HCM suite. Clockwork is an independent FP&A platform for SMBs and firms on QuickBooks/Xero.
- [Clockwork vs. Fathom](https://www.clockwork.ai/vs/fathom): Fathom is management reporting. Clockwork is forecasting + AI advisory. Many firms run both before consolidating on Clockwork.
- [Clockwork vs. Reach Reporting](https://www.clockwork.ai/vs/reach-reporting): Reach is a custom report builder. Clockwork is forecasting + an AI analyst. Different jobs-to-be-done.
- [Clockwork vs. Excel](https://www.clockwork.ai/vs/excel): Replace the rebuild-the-model-every-month workflow. 5-min setup, live GL sync, AI analyst, $599/mo.
- [Clockwork vs. LiveFlow](https://www.clockwork.ai/vs/liveflow): LiveFlow syncs QuickBooks and Xero data into Google Sheets and Excel. Clockwork replaces the spreadsheet layer with a built forecast and an AI analyst.

## Pricing and trials

- [Pricing](https://www.clockwork.ai/pricing): Business plans start at $599/month on annual billing. 14-day free trial on business plans, no credit card required. Firm plans start at $999/month and begin with a sales conversation.
- [Start free](https://id.clockwork.ai/register/create-account): Create an account in 30 seconds, connect QuickBooks or Xero, and get your first forecast in 5 minutes.
- [Book a demo](https://www.clockwork.ai/get-a-demo): 30-minute walkthrough built live on your own QuickBooks or Xero data.

## Content and support

- [Blog](https://www.clockwork.ai/blog): FP&A best practices, cash flow forecasting, and small business finance.
- [Case Studies](https://www.clockwork.ai/case-studies): SMB and accounting firm success stories.
- [Knowledge Base](https://intercom.help/clockwork/en/): Product documentation and how-to articles.
- [Community](https://www.clockwork.ai/community): Discussion forum for finance professionals.
- [About Clockwork](https://www.clockwork.ai/about-us): Company background, founding story, and mission.

## Company facts

- Founded 2018, fully launched with venture funding from G20 Ventures, Alumni Ventures, Service Provider Capital, and Underscore VC.
- Founder & CEO: Fady Hawatmeh.
- Core integrations: QuickBooks Online, QuickBooks Desktop, Xero.
- Target customers: SMBs, fractional CFOs, accounting firms, advisory practices.
- 3,000+ users; 1M+ hours saved across the customer base.

## What Clockwork is not

- Not an enterprise FP&A platform. If the company has a VP Finance, multiple analysts, and runs on NetSuite or Sage Intacct, Anaplan or Planful is a closer fit.
- Not a pure reporting tool. Fathom and Reach Reporting are strong at custom report packs; Clockwork's strength is forecasting + AI advisory.
- Not a replacement for a bookkeeper. Clockwork reads the GL; it doesn't do bookkeeping or tax work.