TalkToCFO: a virtual CFO and live dashboard over Xero and MYOB.

It is Monday morning. You run several companies and want to know one thing before the week starts: can every one of them cover wages and supplier bills? Their figures sit in separate Xero and MYOB files. TalkToCFO brings those files together, so you see the whole group at a glance, open any single company, and ask questions in everyday English.

Think of it as a financial assistant that has read all of your books. Ask “How much cash does the group have?” and it answers out loud, draws the picture, and shows the figures it added up. It is the virtual CFO we built over Xero and MYOB, and it is open at talktocfo.au.

There are three ways in. Ask a question, typed or spoken. Look at the live dashboard and move through the months. Read the CFO report, ready at month end or year end. All three use the same calculations, so a figure reads the same wherever you meet it.

Try it yourself in three steps

The live dashboard: the whole group, month by month

The dashboard opens on the last twelve months. A shaded window on a timeline sets the period for every chart below it, and you can drag that window anywhere in the history. The figures are grouped the way an owner thinks: sales and profit, cash, money owed to you and by you, what the business owns and owes, staff costs, customers. Each tile shows the figure, how it moved against the same months last year, and a small trend line.

The months ahead live in the same picture. Pick a cautious, likely or hopeful forecast, and the coming months continue straight after the real ones in a lighter shade, built from the trend of the last year.

Ask the CFO, and hear the answer

Type or speak a question in plain English. TalkToCFO picks the calculation that answers it, runs it over the companies you chose, and replies in four layers: a headline figure, a short paragraph in plain words, a chart, and a list headed “the figures behind it” with every amount it used. The answer is read aloud and drawn on the screen as it is spoken.

Behind the box sits a book of 1,016 questions a CFO is asked, ranked by how often they come up, each with a prepared calculation. How long the cash lasts, who owes us money, which customers earn the best margin, wages against last year, GST and PAYG put aside: the common questions are answered the moment they are asked, and the book grows as the CFO learns new ones.

You can type or speak. TalkToCFO turns your voice into text, chooses the calculation, and reads the answer back while the figures appear on screen. A spoken minute costs under two cents.

Every figure opens to where it came from

A number earns trust when you can open it. Click net profit and it becomes gross profit less running costs; running costs become cost groups; cost groups become the accounts your bookkeeper keeps, each with its amount. Charts combine the same way: drop gross profit onto sales and the gap between the two lines is what the goods themselves cost.

The CFO report, ready at month end

The third door is the report a board reads. Choose month end or year end, tick the companies, and TalkToCFO assembles a full CFO report from the books: a one-page brief for decisions, a scorecard, profit and how it moved, several years side by side, sales, margins and costs, the companies compared, and whether each can pay its way. It prints to PDF in one click.

The cover opens with three verdicts in plain words. Can the figures be relied on? How did trading go? Can every company pay its bills? Each verdict carries its reason underneath, so an owner reads the position in ten seconds and the evidence in two minutes.

Why you can trust every figure

A finance director trusts a figure when it can be traced. So TalkToCFO keeps three rules, and the release checks prove them on every build.

You can see the first rule on the screen itself: a small green badge in the corner of every page confirms that code produced the figures, and beside it the system reports how long the page took to build and how many figures it calculated.

Built for groups on Xero and MYOB

You give TalkToCFO read-only access to your Xero organisations and MYOB company files, the same way you would let an accountant look in. It copies their records into one shared format and calculates the figures for the companies you tick. Your books stay exactly as your bookkeeper keeps them.

Adding the companies together follows accounting rules: money adds up across companies, a customer who buys from two of them counts once, and accounts with the same name meet in one line, whichever system they come from. The group picture is rebuilt from the latest figures every time the page opens, so it is always current.

Open it and press things

The demonstration runs on six invented Australian businesses, each with a full set of books and its own story. The guest link signs you straight in. Ask a question, drag the period window, untick a company, open a figure to its parts. Everything in the demo is safe to click.

From your books to your own CFO

The same code serves real companies. Pointing TalkToCFO at your own Xero organisations or MYOB company files means authorising them and ticking the ones to count. It is the same joining work we do everywhere else, an API integration with whatever a business already runs, here pointed at the two systems most Australian businesses keep their books in.

We start every build the same way. A fixed A$2,000 audit takes one to three days across your systems. You keep the costed plan and can use whichever builder you choose. It answers two things in dollars: which block of work is worth automating first and what it costs you a year, and what further decisions your existing data could support. We cover the first hour with both founders as an introductory conversation.

Related reading: the whole business on one screen, the same idea with jobs, stock and the pipeline beside the ledger, and connecting Xero to the systems you already run. Our first build in this line, an owner’s dashboard that ranks findings by the money at stake, stays open at dashboard.twinmind.au. If the figure you chase every month is who owes you, the chasing itself can be automated, along with matching bank lines to the ledger.