A finance team that runs itself,
while founders build.
Finntree connects every revenue and expense source, transforming raw bank statements into smart, actionable decisions. Real-time guidance, tailored to how the business intends to grow.
From bank statement to strategic decision in 30 seconds. Any language, any bank, any format.
Who uses Finntree?
Finntree is purpose built for the businesses where finance is a moving target, where COGS, OpEx, and runway change weekly. Each profile gets a dashboard tuned to the metrics that matter at that stage.
SaaS Founders
Track gross margins in real time. See cloud spend versus revenue. Know exactly when the business can hire.
Start free trial →AI Companies
API costs are COGS, not OpEx. Finntree knows the difference. See true unit economics, with model spend separated from operations.
Start free trial →Agencies
Client profitability ranking. Know which clients earn money and which cost money, with hourly burn calculated per engagement.
Start free trial →E-commerce
Separate COGS, shipping, and payment fees from operations. See real product margins by SKU, not blended averages.
Start free trial →Stop guessing. Start knowing.
Most founders reach Series A still guessing at gross margin, runway, and the line between COGS and operating expenses. Finntree replaces guesswork with a live dashboard, computed from raw bank data.
Spreadsheets, surprises, and stale reports.
- ×Five plus hours a week wrestling with spreadsheets.
- ×No clear answer on the actual gross margin.
- ×Accountant reports arrive three months late.
- ×Cash shortages arrive as a surprise.
- ×COGS and operating expenses are blended together.
- ×No clear signal on whether a hire is affordable.
A live dashboard, with an AI layer that warns first.
- +30 second upload. AI handles the rest.
- +Real-time gross margins, updated automatically.
- +Live dashboard outperforms any quarterly report.
- +AI alerts warn before problems hit the bank balance.
- +150 plus vendors auto-classified as COGS or OpEx.
- +Hiring readiness calculator with runway impact.
From upload to insight in 30 seconds.
Five steps, one input. Drop a bank statement and the entire dashboard recomputes in under a minute, with classification confidence and source provenance attached to every transaction.
Upload
Drop a bank statement. PDF, CSV, or Excel. Any language, any bank.
AI categorizes
Every transaction classified. COGS separated from OpEx. Vendors identified.
Dashboard updates
Revenue, margins, burn rate, runway. All metrics update instantly.
Alerts fire
Expense spikes, cash shortages, COGS growth. AI warns before problems hit.
Ask the AI
Chat with Finntree about any financial question. Receive advice grounded in real numbers.
Financial intelligence, reimagined.
Every feature is purpose built for modern finance teams that demand clarity, speed, and intelligence from their data. No bookkeeping handover, no quarterly lag.
AI-powered analysis
Processes thousands of transactions in seconds. Identifies spending anomalies, predicts cash flow, and generates founder-level advice tailored to the chosen risk profile.
Learn more →Smart upload
Drop a bank statement in PDF, CSV, or Excel. Any language, any bank. AI categorizes every transaction automatically.
Learn more →Live dashboard
Revenue, expenses, margins, burn rate, runway in one view. Updates in real time as new data arrives.
Learn more →COGS vs OpEx
A 150 plus vendor knowledge base auto-classifies costs as COGS or operating expenses. Real gross margins, calculated correctly.
Learn more →Cloud spend analysis
Auto-detect AWS, GCP, and Azure costs. Track quarter over quarter growth by provider. Find waste. See cloud as a percent of revenue.
Learn more →Bank-grade security
AES-256 encryption at rest. TLS 1.3 in transit. Data is isolated per tenant and never used to train models.
Learn more →Multi-language parsing
Upload statements in any language. Greek, German, English, French, Spanish. AI reads and categorizes from any bank worldwide.
Learn more →Seven AI alert types
Expense spikes, cash shortages, COGS drift, runway warnings, vendor anomalies, margin erosion, and category overruns. Each tunable per business.
Learn more →Hiring readiness
Calculate the runway impact of a hire before opening the requisition. Salary, benefits, and timing modeled against current cash position.
Learn more →Three lenses. One truth.
Every insight is analyzed through three risk profiles. Choose the perspective that matches the financial strategy. The same ledger, read three different ways, yields three different action lists.
The only finance tool that knows the difference.
Vendor by vendor, transaction by transaction, Finntree separates Cost of Goods Sold from Operating Expenses. The 150 plus vendor knowledge base ships with classifications already in place; new vendors are learned the first time they appear.
Vendor classification
Cloud spend, watched line by line.
Finntree treats AWS, GCP, and Azure invoices as first class data, not a single line on the bank statement. Spend is decomposed by service, tracked quarter over quarter, and benchmarked as a percent of revenue.
Cloud spend · Q1 2026
Seven kinds of warning.
Finntree fires alerts before problems hit the bank balance. Each alert type is tunable per business; thresholds learn from historical variance instead of arbitrary defaults.
AI alert feed
Bank-grade security, operated like software.
Customer data is encrypted, isolated, and never sold or used to train AI models. Finntree maintains tenant isolation at the database layer, with field-level encryption for sensitive numbers.
AES-256 at rest
All customer data is encrypted at rest with AES-256, with keys rotated automatically and stored in a managed KMS.
TLS 1.3 in transit
Every connection is secured with TLS 1.3 and HSTS pinning. Plain HTTP is rejected at the edge, without exception.
No model training
Customer transactions are never used to train AI models. Tenant data stays in tenant scope, full stop.
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Invest in clarity.
Start with a 14 day free trial. Scale as financial intelligence grows. Every plan ships with the full product during the trial.
A 14 day free trial to experience the full product end to end. No commitment, cancel any time before day 14.
Start free trial →- +1 bank account connection
- +Basic AI insights
- +Conservative mode
- +Email support
For freelancers and growing small businesses.
Choose Starter →- +3 bank accounts
- +20 AI runs per day
- +Full dashboard and charts
- +PDF, CSV, Excel upload
- +COGS vs OpEx classification
- +Standard support
Full AI-powered intelligence for scaling businesses.
Choose Pro →- +Unlimited bank accounts
- +Unlimited AI advisor
- +Cloud spend analysis
- +Advanced forecasting (30 / 60 / 90d)
- +Hiring readiness calculator
- +Priority support
Frequently considered.
The questions founders and finance leaders ask before connecting their first bank account, answered honestly.
01What does Finntree do that a bookkeeper does not?
02Which bank statement formats and languages are supported?
03How does Finntree know whether a vendor is COGS or OpEx?
04What are the three AI risk modes?
05Where is customer data stored, and who can access it?
06What happens to the data if a customer cancels?
The financial future starts here.
Drop the first statement and the dashboard is live before the kettle boils. Fourteen days, full access, no commitment.