For advisors, fractional CFOs and agencies

Your Clients' Financials Deserve Better Than Spreadsheets

You're spending hours per client building financial analysis from CSV exports. Then the data changes and you start over. You can't guarantee consistency, and you know the analysis should be deeper. Focus on Cash replaces the CSV work. Connect Xero once and the analysis stays up to date.

For businesses doing $500K to $20M in sales

Your Business Makes Money. Do You Actually Know Where It Goes?

You know your sales figure. Ask how long a sale takes to turn into cash, which service line makes the most margin, or what happens to cash flow if you hire two people, and you're guessing. That guesswork is expensive. Focus on Cash shows you the full financial picture, so you can make each decision with the numbers in front of you.

See Pricing See How It Works
$4,999
/year plus GST, up to 10 client companies
$500
/year plus GST, each extra client company
$2,900
/year plus GST, first company
$1,450
/year plus GST, each extra company

One view of the whole year

Sales to Profit Flow (Last 12 Months)

Hover or tap a block or a flow to see the amount. Demo figures, not a client.

The Problem You're Solving With Spreadsheets

Why You're Guessing at Your Numbers

You know this isn't working. Here's why.

You know this pattern. You've probably lived it.

Your clients know their trade but not their numbers. You're trying to fix that with spreadsheets, CSV exports and hours of manual work per client. Each client's analysis ends up built a little differently. The data is out of date by the time you present it. And every new client means starting from scratch.
You've built something real. But if someone asked you right now which service line produces the most margin, how long your cash takes to come in, or what your business is worth, you'd be guessing.

Hours Per Client, Every Time

Export CSVs, reclassify the chart of accounts, build the analysis, format the charts. Every client has a different structure. You can't systematise what requires manual rework every session.

Sales Without Clarity

You know what you billed last quarter. Ask which service line is most profitable, or whether your margins improved, and you can't say.

No Consistency Across Clients

Client A gets one version of your analysis. Client B gets another. The analysis changes depending on who built the spreadsheet and when. Every client should get the same standard of work.

Owner Expenses Hiding the Real Picture

Your car, phone, personal meals, a wage paid to your partner: they're all in the P&L. You know they distort the numbers but you've never separated them out to see the business underneath.

Fragmented Tools, No Full Picture

Xero shows transactions. Bank feeds show cash. Spreadsheets show whatever was built last month. Few owners have sales, margins, cash flow, and what-if scenarios in one place with context on what it means.

What Focus on Cash Actually Does

A complete financial analysis platform.

Focus on Cash connects to Xero or accepts manual uploads, then delivers five layers of analysis: sales-to-profit flow, client economics (what a client costs to win, what they're worth over time, and how many you lose), cash flow and runway (the cash coming in and going out each month, and how many months your cash would last), what-if scenario modelling, and full P&L with budget vs actuals. The Insights screens open with a plain-language headline telling you what the numbers mean.
The What If screen: business levers on the left, current and projected results in the middle, and a line-by-line comparison on the right. A 5% price change shows $337,796 more annual cash flow.
Move a lever, see the result. Change price, volume, costs or how fast you get paid. Sales, profit and cash flow update side by side. Here, a 5% price rise adds $337,796 a year in cash flow.
Best Ever Analysis: What is it costing you to not operate at your best ever performance? A recurring cost of $33,660 a month plus $511,437 of cash trapped, one time.
What it costs to not be at your best. Each cost and each payment cycle is compared with the business's own best ever result. This one is $33,660 a month behind, with $511,437 of cash trapped.
How Long Can You Last? A cash balance chart falling from $56K to $24K over 12 months, with monthly, rolling 3 month and rolling 12 month trends beside it.
How long can you last? 12 months of cash balance, with the monthly, 3 month and 12 month trends beside it.

Take the full tour at focusoncash.com.au

Sales to Profit Flow

A flow diagram traces every dollar from sales through costs to profit. See where money goes and where it leaks, in seconds, not hours.

One-Time Chart of Accounts Recoding

Auto-classifies accounts on first upload. Override once. Every future sync uses that mapping. For advisors: do it once per client, never again.

Exclude Owner Expenses in One Click

Strip out personal expenses to see actual business performance. Toggle on/off to show the owner what the numbers look like with and without their drawings.

Sales, Margins & Client Economics

Monthly sales, margins and rolling trends. Average sale, how often clients buy, how many you lose, what a client costs to win, what they're worth over time, and how those two compare. Every measure shows its trend.

Cash Flow & Runway

Waterfall chart, cash balance, burn rate, runway months, and "How Long Can You Last?" chart. The screen that shows how many months of cash you have.

What-If Scenario Modelling

Adjust sales volume, price, cost of sales, overheads, and how fast you get paid and pay your bills. See current vs projected impact on sales, profit, and cash flow.

P&L, Budget & Ratios

Consolidated P&L, monthly columns, key ratios, budget vs actuals with variance highlighting. One-pager for the quick read.

Expense & Profitability Analysis

Top 6 biggest and fastest-growing expenses. Cost composition per unit. How much of your gross profit is left after overheads.

Plain-Language Insights

"Sales are flat. Your margins are your biggest lever right now." The Insights screens open with a headline that tells you what matters. No jargon.

Xero Sync & Manual Upload

Live Xero connection with up to 6 years of history, or manual upload. Connect once and your numbers stay up to date. No CSV exports.

Why AI Won't Replace Your Advisory Practice

Why ChatGPT Won't Give You Financial Clarity

AI can rebuild a basic dashboard from a CSV. For a one-off question, decent. But you can't run a professional advisory service on tools that give different answers depending on how you phrase the prompt.
AI can analyse a CSV and give you charts. But it can't maintain a persistent connection to your data, track trends over time, or model scenarios reliably. Every session starts from scratch.

What AI Can Do

  • Analyse a CSV snapshot a client sends you
  • Analyse a CSV you export from Xero
  • Generate one-off charts and ratio calculations
  • Answer ad-hoc questions about a dataset
  • Summarise trends from a single export

Not a system you'd stake your reputation on.

Not a system for ongoing business decisions.

What AI Cannot Do

  • Maintain persistent data sync with history
  • Give you and each client different levels of access
  • Remember how your accounts are sorted, or which owner expenses you excluded
  • Guarantee same methodology across all clients
  • Track metrics month over month with rolling trends
  • Deliver reliable what-if modelling
  • Keep each client's data separate
  • Track your cash runway month to month

It needs software built for the job.

How the Options Compare

Most advisors stay with spreadsheets because the platforms cost too much once the client list grows. On some, an advisor with 10 clients pays US$20,450 a year (about A$29,200).
Business owners typically choose between spreadsheets, outsourcing, or other platforms. Focus on Cash gives you the analysis a CFO would, for $2,900 a year plus GST.

Scroll sideways to see every option.

Capability Spreadsheets Outsourced CFO Other Platforms AI DIY Focus on Cash
Live data sync
Full financial analysis
What-if scenarios
Plain-language insights
Advisory workflow
Consistent methodology
Accounts sorted once & owner expenses excluded
Time to insights Hours/client Days Minutes 30–60 min Minutes
Cost (advisor, 10 clients) $0 + time $36K+/yr US$20,450/yr (about A$29,200) $240+/yr $4,999/yr plus GST

What 10 Clients Cost Elsewhere

Some platforms charge US$2,495 a year for the first business and US$1,995 for each extra one. For 10 clients that is US$20,450 a year.
US$20,450Other platforms, 10 clients (about A$29,200)
US$2,495Other platforms, first company (about A$3,600)
$4,999Focus on Cash, up to 10 clients, plus GST

One subscription covers your whole client list. Up to 10 client companies for $4,999 a year, then $500 a year for each extra one, plus GST.

What This Replaces

The alternatives cost a lot.

A fractional CFO costs $3,000–$10,000+/month. Some platforms charge US$2,495/year (about A$3,600). Focus on Cash gives you the kind of analysis a CFO prepares.
$36K+Fractional CFO, per year
US$2,495Other platforms, per year (about A$3,600)
$2,900Focus on Cash, per year plus GST

About $8 a day, plus GST.

Two Ways to Use It

For Advisors

Coaches, Fractional CFOs & Consultants

Consistent financial analysis across every client. Data isolation. A methodology that works the same way every time.

  • Full analysis applied consistently to every client
  • Multi-client dashboard with role-based access
  • Structured advisory topics with progress tracking
  • Client onboarding in minutes
  • Row-level data isolation (RLS)
  • Xero integration or manual upload per client

$4,999/year for up to 10 clients • $500/year each extra • plus GST

One subscription for your whole client list. Annual billing.

For Business Owners

Established & Growing Businesses

You're doing $500K–$20M in sales. Focus on Cash answers the questions that matter: which services make money, what your business is worth, what happens if you invest.

  • Full analysis connected to Xero or uploaded manually
  • What-if modelling for pricing, costs and investment decisions
  • Plain-language insights without an accounting degree
  • Best-ever benchmarking against your own results
  • Buy/sell valuation tools
  • Invite your advisor for collaborative analysis

$2,900/year plus GST

First company. $1,450/year plus GST for each extra one. Annual billing.

This Is Not for Everyone

Focus on Cash is for mature, profitable, growing businesses wanting sharper decisions. It isn't built to rescue a business in trouble. If you haven't started trading yet, or you're in financial distress, you need different support first.

Built For

  • Businesses doing $500K–$20M in sales
  • Businesses that make a profit and are growing
  • Owners who want decisions based on their numbers
  • Advisors who want the same analysis for every client

Not the Right Fit

  • Early-stage startups not yet trading
  • Businesses in financial distress
  • Looking for bookkeeping or tax prep
  • Not using Xero or willing to upload manually

What It Costs

Every feature is included at every price. Billed once a year.

Advisors and agencies pay $4,999 a year plus GST for up to 10 client companies, and $500 a year plus GST for each extra client company. Business owners pay $2,900 a year plus GST for their first company, and $1,450 a year plus GST for each extra company. Annual billing. No free trial. Each company comes with access for 2 people.
Business owners pay $2,900 a year plus GST for their first company, and $1,450 a year plus GST for each extra company. Advisors and agencies pay $4,999 a year plus GST for up to 10 client companies, and $500 a year plus GST for each extra client company. Annual billing. No free trial. Each company comes with access for 2 people.

Business Owner

First company. Full suite.

$2,900

/year plus GST ($3,190 including GST) • Annual billing

Then $1,450 a year plus GST for each extra company. Every feature is included.

  • Full financial analysis
  • Xero integration or manual upload
  • What-if scenario modelling
  • Owner expense exclusion
  • Plain-language insights
  • Access for 2 people
Get Started

Advisor

One subscription for your whole client list.

$4,999

/year plus GST ($5,498.90 including GST) • Up to 10 client companies

Then $500 a year plus GST for each extra client company

  • Everything in Business Owner, plus:
  • Up to 10 client companies, then $500 a year plus GST for each extra one
  • Multi-client dashboard
  • Role-based access
  • Sort each client's accounts once, and it's remembered
  • Client onboarding in minutes
  • Access for 2 people per client company
Get Started

Questions You're Probably Asking

Xero connects directly and stays in sync. For other platforms, you upload your data. The analysis is the same either way. More connections are planned.

Your accountant keeps the books right and files your tax. Focus on Cash shows you what the numbers mean and what could happen next. You need both.

No free trial. Every subscription is annual, with all features included from day one. If you want to see it before you commit, start a conversation and I'll walk you through it.

Business owners pay $2,900 a year plus GST for their first company, and $1,450 a year plus GST for each extra company.

Advisors and agencies pay $4,999 a year plus GST for up to 10 client companies, and $500 a year plus GST for each extra client company. All features included at every price. No feature gating.

$7,499 a year plus GST, or $8,248.90 including GST. That is $4,999 for your first 10 client companies and $500 for each of the other 5. One subscription covers your whole list, and each client's data is kept separate from every other client's in the database.

  • Row-level security is switched on for every table in the database. Each company's data is locked to the people who are allowed to see it, so one company cannot read another's. This is tested before each release.
  • Access is role-based, so each person sees only what their role allows.
  • Two-step sign-in with an authenticator app is built in.
  • Xero and QuickBooks connection tokens are stored encrypted (AES-256-GCM). API keys are stored hashed.
  • Connections to the app and its database are encrypted in transit, and the older, weaker versions (TLS 1.0 and 1.1) are refused.
  • The software is checked against OWASP ASVS Level 2, a security standard for apps that hold sensitive data.
  • Usage analytics stay off until the user accepts the cookie notice. Financial values are not sent to analytics.
  • The database is hosted in Sydney.

Focus on Cash's suppliers are Supabase (database and logins), Cloudflare (hosting), Xero and QuickBooks (data sources), Resend (email), PostHog (usage analytics), Sentry (error reports) and GitHub (code). Each has SOC 2 or ISO 27001 security reports.

Businesses with $500K–$20M in sales. They're big enough to need proper analysis, and usually too small to justify a full-time CFO. It isn't for businesses that haven't started trading, or that are in financial distress.

Everything. Full analysis dashboards for sales, profit, cash flow and assets. 19 business ratios explained in plain language. What-if modelling. Best-ever tracking. Built-in strategy guides. Unlimited uploads. All of it at every price.

Ready to Stop Rebuilding the Same Analysis for Every Client?

Ready to See Your Numbers Clearly?

One subscription covers your clients. $4,999 a year for up to 10, then $500 for each extra one, plus GST.

$2,900 a year plus GST to see exactly where your money goes.

Get Started Ask a Question First

Want the full tour first? Visit focusoncash.com.au.