💰 Most Requested · Real fractional CFOs charge $3,000/month. This one costs $63 once.
Real Fractional CFOs Charge $3,000/Month. This One Works 24/7 for $63.
An AI financial strategist for solopreneurs, freelancers, and small business owners doing $5K–$100K/month. P&L clarity, cash flow forecasting, pricing strategy, and investment analysis — finally accessible without the $3K/month retainer.
Get Instant Access — $63One-time payment · Works with Claude, ChatGPT, Gemini · 30-day guarantee
Financial Clarity in 4 Steps
Purchase
Instant download of 4 files. QUICK_START, AGENT_PROMPT, SETUP_GUIDE, and README. No login, no waiting.
Open Your AI
Open Claude, ChatGPT, or Gemini. Free tier works. Claude Projects (Pro) gives you a persistent setup — load once, use forever.
Paste the Prompt
Copy AGENT_PROMPT.md into system instructions or a new chat. The CFO Agent initializes and introduces its 4 operating modes.
Share Your Numbers
Paste your monthly revenue, top expenses, and cash balance. Pick a mode — P&L Builder, Cash Flow, Pricing, or Investment. Get your analysis.
See the Clarity
From “I have no idea if I'm profitable” to a full P&L with action items. Real output.
You
I run a Shopify store doing $18K/month. My ad spend is $4,200/month and I have no idea if I'm profitable. Build me a P&L and tell me where the money is going.
Fractional CFO Agent
MODE 1: P&L BUILDER. Here's your full picture:
REVENUE
Gross Revenue $18,000 100%
COGS
Product Cost $5,400 30%
Fulfillment $1,620 9%
Payment Processing $522 2.9%
GROSS PROFIT $10,458 58.1%
OPERATING EXPENSES
Ad Spend (Meta+Google) $4,200 23.3%
Shopify + Apps $180 1.0%
OPERATING PROFIT $6,078 33.8%
OWNER COMPENSATION
Your time (60hrs/mo) ~$4,500 25.0%
TRUE NET PROFIT $1,578 8.8%
🔴 Margin Leak #1: Ad Spend Efficiency
You're spending $4,200 to generate $18,000 in revenue — a 4.3× ROAS. For a Shopify store at your margin profile, you need 5×+ to be healthy. You're leaving $1,200–$1,800/month on the table in ad inefficiency.
🟡 Margin Leak #2: Owner Labor Is Uncounted
You're working ~60hrs/month and not counting it. At $75/hr (conservative), that's $4,500 in labor cost making your real margin 8.8%, not 33.8%. The business only works long-term if it pays you.
You
What should I do first to fix the ad spend?
Fractional CFO Agent
Three moves, ranked by impact:
1. Cut spend, measure ROAS by campaign (this week)
Turn off the bottom 20% of ad spend by ROAS. At $4,200/month, that's ~$840/month freed immediately. Run the remaining $3,360 harder on your top performers.
2. Set a ROAS floor (this month)
Any ad set below 4× ROAS gets paused. Any above 6× gets 20% more budget. This alone typically improves blended ROAS by 0.5–1× in 30 days.
3. Model the 5× ROAS target (next session)
At 5× ROAS, $3,360 spend → $16,800 revenue from ads. Combine with organic and you're close to your current $18K with $840/month back in your pocket.
This is 20 minutes of analysis that used to cost $500 with a consultant. Now it's $63 once, unlimited sessions.
“I discovered I was losing $2,200/month on a supplier contract I thought was profitable. The agent found it in the first 20-minute session — I'd been on that contract for 14 months. That's $30,800 I can't get back. But I cancelled it the next day and my margin went from 11% to 23% overnight.”
Sarah Kim
E-commerce founder · $2,200/month leak found in 20 minutes
What Founders Are Saying
“I discovered I was losing $2,200/month on a supplier contract I thought was profitable. The agent found it in the first 20-minute session. I'd been on that contract for 14 months. Do the math.”
Sarah Kim
E-commerce founder
“I raised my prices 25% after the agent showed me I could lose 4 clients and still net more money. I lost 1. Revenue went up $6,800/month. Best $63 I've spent on my business.”
Tom R.
Freelance consultant, $28K/month
“I was 5 weeks from cash zero and didn't know it. The 90-day cash flow plan told me exactly what to do week by week. Collected $14K in late invoices, deferred two expenses, and made it through. I now run a weekly cash check-in.”
Alicia M.
Course creator, 6-figure revenue
Your CFO, Fully Loaded
4 operating modes. Unlimited sessions. Every financial question your business needs answered.
P&L Builder
Takes your raw revenue and expense data and builds a proper profit & loss statement in minutes. Identifies your top 3 margin leaks and ranks them by dollar impact — not percentages.
Cash Flow Forecaster
30, 60, and 90-day cash flow projections with week-by-week breakdowns. Flags danger zones before you hit them. Gives you a prioritized action list: what to collect, defer, or cut — in order.
Pricing Strategist
Models any price change across churn scenarios. Calculates exactly how many customers you can lose before a price increase hurts you. Most founders can afford to raise prices far more than they think.
Investment Analyst
Evaluates any spending decision — hire, software, ad spend, equipment — with a full ROI framework. Applies the Rule of 3x: the expected 12-month return should be 3× the cost to be worth it.
Opportunity Cost Engine
Quantifies what your time is actually worth. Before you hire a VA or buy a tool, the agent models what you're losing by doing the task yourself — often the biggest hidden cost in a small business.
Survival Mode Protocol
When runway drops under 8 weeks, the agent activates a specific survival sequence: collect first, defer second, cut third. Week-by-week action list. No panic, just a plan.
Stop Paying the Clarity Tax
| Option | Cost |
|---|---|
| Real Fractional CFO | $3,000–$5,000/month |
| QuickBooks | $30–$90/month |
| Generic ChatGPT | Free (generic) |
| Fractional CFO AgentBest Value | $63 one-time |
One-time payment · No subscription
- AGENT_PROMPT.md — 4-mode CFO system prompt
- QUICK_START.md — 5 copy-paste prompts, live in 3 mins
- SETUP_GUIDE.md — Claude, ChatGPT, Gemini setup
- README.md — 30 financial questions + comparison
- Works with Claude, ChatGPT, Gemini (free tier)
- 30-day money-back guarantee
30-day money-back guarantee · contact@kymatalabs.com
Frequently Asked Questions
Do I need a paid AI subscription?
No. Free tiers of Claude, ChatGPT, and Gemini all work. Claude Pro ($20/month) lets you use Projects — load the agent once and it's always ready. But it's optional.
I have no financial records. Is this still useful?
Yes. The agent works with estimates. 'I made roughly $22K last month and spent around $8K on contractors' is enough to start. You'll get directional analysis with clear disclaimers on precision. Something beats nothing.
Does this replace my accountant?
No, and it's not designed to. Use this agent for day-to-day business decisions, cash flow management, and pricing strategy. Use your CPA for taxes, audits, and legal compliance. You need both — this just makes the analytical part accessible without the $3K/month retainer.
What's the guarantee?
30 days, no questions asked. If the agent doesn't change how you understand your business finances in your first month, email contact@kymatalabs.com for a full refund.