FFinPilot AI Start

Personal and business finance MVP

One cash-flow view for the business owner and the household

FinPilot AI's strongest MVP wedge is the messy overlap between business timing and personal obligations for freelancers, founders, and owner-operators.

Start planning Open tools

Planning software only. FinPilot AI does not provide investment, tax, legal, lending, insurance, or accounting advice.

PersonalBusinessCombined
Monthly slack$860Personal
Runway2.9 moBusiness
Draw room$4,000Combined
Guided setup

Choose a user type, save the matching workspace, and keep facts, assumptions, and decisions visible.

Owner-operator workflow

Workflow coverage

Owner draw timing

Compare business cash dates against rent, mortgage, card payments, childcare, debt minimums, and savings goals.

Cash-crunch alerts

Flag weeks where expected invoice collections and recurring bills leave cash below the planning floor.

Tax reserve guardrails

Track estimated reserves as a planning assumption without calculating tax liability or giving tax advice.

Household buffer

Show how delayed invoices affect personal runway before the household budget is strained.

Weekly review memo

Summarize cash facts, assumptions, decisions due, and questions for a bookkeeper, accountant, or advisor.

Sample output

What the MVP should produce

Input

$31,400 business cash, $18,200 invoices expected, $9,700 bills, $4,000 owner draw target, $2,850 household bills due.

Output

Baseline supports the draw with a 2.2 month business buffer; delayed invoice case suggests reducing the draw by $900 or moving it five days.

Boundary

The memo labels tax reserve as an assumption and recommends professional review for tax, accounting, lending, or legal decisions.

Related workflows

Continue planning

Cash-crunch alert plannerForecast tight weeks from starting cash, expected income, invoice collections, recurring bills, subscriptions, payroll, and a reserve floor.Owner-operator cash flow plannerPlan combined personal and business cash flow with business cash, invoices, owner draw, household bills, tax reserve assumptions, and buffer output.Example: freelancer combined cash flowSee how a freelancer can review invoices, owner draw timing, household bills, tax reserve assumptions, and personal cash buffer.AI limitations and advice boundariesUnderstand what FinPilot AI can and cannot do, including advice boundaries, source freshness, uncertainty, and human review.