John Galt CFO
Rules-based calculations. AI-assisted interpretation.

Your bank account already knows how your business is doing.

John Galt CFO turns business account activity into reconciled cash-flow metrics, financial signals and clear explanations for founders and banks.

Private pilot access is provided after onboarding.
Illustrative example. Fictional company and transaction data.
Illustrative snapshot · June 2026
Revenue received
€184,220
+12.4%
Operating outflows
€145,310
Payroll 62%
Cash-based result
€38,910
Margin 21%
Cash buffer
2.8x
Positive net cash flow
Revenue trendJul '25 → Jun '26
Customer concentration
38% Nord AB22% Helix GmbH14% Vela Studio
AI-assisted explanation

June remained profitable. Travel doubled month over month and Nord AB generated 38% of revenue received.

How it works

From account activity to an explainable financial view.

Reconciled to source transactions
01
Structure the activity

Business account transactions are normalised into a consistent financial structure.

02
Classify the transactions

Finance-specific logic identifies income, operating outflows, recurring commitments and ambiguous items.

03
Calculate and reconcile

Cash-based management indicators are calculated consistently and checked against the source transactions.

04
Explain the result

AI assists with interpretation, financial signals and plain-language explanations. Results remain connected to the underlying transactions.

Reconciled means calculated consistently from the supplied transactions and checked against the source data. It does not mean audited financial statements.
Product view

One reviewable financial view.

Charts, metric cards, transactions and explanations share the same underlying account activity. Illustrative example. Fictional company and transaction data.

Revenue receivedIllustrative snapshot · June 2026
€184,220
▲ 12.4% vs €163,900 in May
Trailing 12 months
€1.62M
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Cash bufferJune 2026
€412k
Net cash flow: positive
Cash on hand2.8x monthly outflows
Cash-based operating result
€38,910Margin 21%
Operating outflows by category€145,310
Payroll
62%
Infrastructure
18%
Marketing
12%
Travel
8%
Customer concentrationShare of classified receipts
38% Nord AB
22% Helix GmbH
14% Vela Studio
26% Other
Financial signal
Customer concentration above threshold
One customer represents 38% of classified receipts in June.
Underlying transactionsJune 2026
Stripe payout
+€12,480.00
Client Nord AB
+€8,900.00
AWS EU-West
−€1,204.50
Owner transfer
+€5,000.00
Lufthansa
−€890.20
AI-assisted explanation

June remained profitable. Travel doubled month over month and Nord AB generated 38% of revenue received.

Every reference traces back to the underlying transactions.

Metrics shown are cash-based management indicators derived from account activity. They may differ from accrual accounting results and statutory accounts.

Product views

One engine. Two ways to use it.

Founder view

A clearer cash picture for founders.

See revenue received, operating outflows, cash-based operating result, recurring commitments and concentration signals in one place. Understand what changed and which transactions drive each result.

  • Know where cash is coming from
  • See recurring commitments and unusual changes
  • Trace each result back to the relevant transactions
Illustrative example. Fictional company and transaction data.
Founder dashboardJune 2026
Revenue received
€184k
+12%
Operating result
€38.9k
Margin 21%
Cash buffer
€412k
2.8x
Recurring commitments
PayrollInfrastructureSubscriptionsRent
Financial signal
Nord AB is 38% of classified receipts in June.
By John Galt Finance

Built by finance operators.

John Galt CFO is developed by John Galt Finance, a team of CFOs, finance leads and analysts working with founders and operators.

10+ years
Senior finance and operating experience
120+ founders
Supported by John Galt Finance
$80M+
In client revenue planned and forecasted
12+ countries
Served by John Galt Finance

These figures describe the advisory track record behind John Galt CFO, not the number of John Galt CFO users.

Selected John Galt Finance engagement
Remilia Hair$700K external funding secured

Advisory engagement by John Galt Finance. Not a John Galt CFO product result.

View the case
Data and trust

Clear controls for sensitive financial data.

Business transaction data requires clear controls. Before a pilot begins, we agree the data scope, processing roles, retention, deletion and access arrangements with the customer or banking partner.

Data scope
Agreed with the customer or banking partner before a pilot begins.
Access
Access to production data is limited to named team members involved in the pilot.
Retention and deletion
Retention and deletion arrangements are agreed and documented per pilot.
AI use
AI assists with classification and explanation. Financial totals are calculated by the rules-based engine and reconciled to source transactions.
FAQ

Questions.

See what your business account activity can tell you.