Clockwork vs. Mosaic: two great products for very different teams
Mosaic is a strategic finance platform built for mid-market companies with dedicated finance teams. Clockwork is an AI-native FP&A platform built for SMBs, accounting firms, and fractional CFOs who don't have that team. Here's an honest comparison — written by the Clockwork team, because we'd rather help you pick the right fit than sell you the wrong one.
The 30-second comparison
| Clockwork | Mosaic | |
|---|---|---|
| Starting price | $199/month | Enterprise pricing (published tiers start in the tens of thousands/year) |
| Target customer | SMBs, accounting firms, fractional CFOs | Mid-market companies with in-house finance teams |
| Setup time | 5 minutes | Weeks of guided implementation |
| AI financial analyst | ✅ Mira, built in | ⚠️ AI features available; positioned for large finance teams |
| 13-week cash flow forecast | ✅ Auto-built | ✅ Yes, custom-built |
| 3-statement forecast model | ✅ Auto-built | ✅ Yes, custom-built |
| Templates required | ❌ None | ✅ Custom modeling is part of the Mosaic workflow |
| QuickBooks + Xero integration | ✅ One-click | ✅ Yes (alongside NetSuite, Sage Intacct, etc.) |
| Best for | Businesses and firms without a dedicated finance team | Mid-market finance teams with in-house FP&A capacity |
| Free trial | ✅ 14 days, no card | ❌ Demo-only |
Which one is actually right for you?
Choose Mosaic if you have a finance team
Mosaic is a mature, well-built strategic finance platform. If you have an in-house FP&A team — a VP Finance, a Director, 1–3 analysts — and you're running at mid-market scale ($20M+ ARR, NetSuite or Sage Intacct as your GL, multiple entities), Mosaic gives that team a powerful modeling environment to work in. The price tag reflects the capability and the customer it was built for.
Choose Clockwork if you don't
If you're a founder, a fractional CFO, or an accounting firm serving SMBs — the Mosaic implementation window and price tag aren't the right fit. You need forecasting that runs without a finance team behind it. That's what Clockwork is built for.
Clockwork connects to QuickBooks or Xero in one click. In five minutes, Mira — our AI FP&A analyst — has built your 13-week cash flow, 3-statement model, and dashboard. No template-building, no modeling workshops, no implementation timeline. And when your client asks "why did cash flow drop in March," Mira answers in plain English from live GL data.
The two-question test
Still not sure which you are? Two questions settle it:
- Do you have a dedicated, in-house FP&A team? If yes, Mosaic is a strong candidate. If no, Clockwork.
- Is your GL QuickBooks, Xero, or one of the mid-market systems (NetSuite, Sage Intacct)? QuickBooks/Xero → Clockwork was built for you. NetSuite/Sage Intacct with an in-house team → Mosaic's stack fit is stronger.
Most SMBs and accounting firms answer "no" and "QuickBooks/Xero." That's Clockwork's ICP exactly.
If you're migrating from Mosaic to Clockwork
Usually this happens one of two ways:
- Your company got simpler. Maybe your finance team got smaller, your GL moved from NetSuite to QuickBooks, or the scope of what you need stopped justifying Mosaic's price and implementation footprint. Clockwork picks up in under an hour — connect the GL, Mira regenerates the forecast and models.
- You're a firm that inherited a Mosaic client. The client shrank or needs a simpler advisory deliverable. Clockwork's firm tier with unlimited client licenses handles this at a fraction of the cost.
Historical scenarios can be exported from Mosaic as CSV and imported into Clockwork. Actuals stream directly from the GL.
“Clockwork is BY FAR the easiest financial modeling software around. I have tried 10-15 FP&A pieces of software and NONE of them come close to Clockwork.ai. When I say that it’s easy, I mean VERY easy — it’s intuitive and user friendly!”
— Brendan A., verified customer
Frequently asked questions
Is Clockwork cheaper than Mosaic?
Yes, significantly. Clockwork starts at $199/month. Mosaic is enterprise-priced and typically starts in the tens of thousands per year. The right question isn't which is cheaper — it's which one matches your team size.
Does Clockwork integrate with NetSuite or Sage Intacct like Mosaic does?
Clockwork's core integrations are QuickBooks Online, QuickBooks Desktop, and Xero — the systems our ICP (SMBs and accounting firms) runs on. If your stack is built around NetSuite or Sage Intacct with a dedicated finance team, Mosaic is likely the better fit.
Does Clockwork work for my company if I don't have a finance team?
Yes — that's exactly who Clockwork is built for. Over 3,000 SMBs, fractional CFOs, and accounting firms use Clockwork without a dedicated in-house finance function.
Does Clockwork have AI like Mosaic?
Yes. Clockwork includes Mira, an AI FP&A analyst designed to replace the senior-analyst work for teams that don't have one. Mosaic has AI capabilities aimed at augmenting large finance teams; Clockwork's AI is designed to function as the finance team.
Can I switch from Mosaic to Clockwork?
Yes. Most companies are operational in Clockwork within an hour. You don't rebuild models — Clockwork regenerates them from your GL automatically.
How does Clockwork's 5-minute setup actually work?
Create an account (30 seconds), connect QuickBooks or Xero (one click), and Clockwork's AI builds your forecast, 3-statement model, and dashboard automatically. No templates, no implementation call.
Not sure which platform fits? Try Clockwork free in 5 minutes.
If Clockwork is the right fit, you'll know by the time Mira has built your first forecast. If it isn't, we'll tell you honestly — Mosaic is a great product for the team it's built for.