Ting CFO · Demo
A finance director for your business, without the full-time salary.
Your Ting CFO turns your books into decisions: how much cash you'll have, what you can afford, and what to do next. Every month, in plain English.
Example company: Lotus & Pine Trading Ltd
Sells handmade homeware online to UK and EU customers. UK company · run from Kuala Lumpur · sister company in Singapore.
See your cash a year ahead, and test decisions first
Your CFO builds a 12-month cash forecast from your books, including VAT bills and seasonal peaks. Thinking of hiring, opening in a new country, or worried about a slow season? Tick a plan, or add your own, to see what it does to your cash before you commit.
Cash in September 2027
£80,420
Cash stays above your £40,000 safety buffer all year. Lowest point: £78,820 in Aug.
Starts from today's cash of £84,320, live from Ting Pay, and includes VAT payments and the Christmas peak.
Your full financial model, every month
Profit and loss, balance sheet and cash flow, built from your books. Compare each month with last month and the same month last year, the year to date with last year, and actuals with the budget you set in Ting Accounting. Your CFO also forecasts each quarter, so you can see how close the forecast was. Pick a month, switch views, or edit the forecast to try it.
Financial model
Actuals from Ting Accounting, the yearly budget set in Ting Accounting, and the quarterly forecast your Ting CFO keeps up to date. Financial year Apr 2026–Mar 2027.
| Account | This monthSept 2026 | Last monthAug 2026 | Change | Same month last yearSept 2025 | Change | Year to dateApr–Sept 2026 | Same period last yearApr–Sept 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| 4000Sales Revenue | £52,300 | £47,600 | +£4,700+10% | £41,000 | +£11,300+28% | £263,400 | £208,900 | +£54,500+26% |
| Total income | £52,300 | £47,600 | +£4,700+10% | £41,000 | +£11,300+28% | £263,400 | £208,900 | +£54,500+26% |
| Cost of sales | ||||||||
| 5000Cost of Goods Sold | £21,900 | £20,000 | +£1,900+10% | £17,630 | +£4,270+24% | £111,300 | £89,827 | +£21,473+24% |
| Gross profit | £30,400 | £27,600 | +£2,800+10% | £23,370 | +£7,030+30% | £152,100 | £119,073 | +£33,027+28% |
| Overheads | ||||||||
| 5100Salaries & Wages | £7,400 | £7,400 | £0 | £6,200 | +£1,200+19% | £43,200 | £37,200 | +£6,000+16% |
| 5200Rent | £1,800 | £1,800 | £0 | £1,800 | £0 | £10,800 | £10,800 | £0 |
| 5400Software & Subscriptions | £1,100 | £1,100 | £0 | £950 | +£150+16% | £6,600 | £5,700 | +£900+16% |
| 5600Marketing | £6,200 | £4,700 | +£1,500+32% | £3,800 | +£2,400+63% | £29,700 | £19,900 | +£9,800+49% |
| 5900General Expenses | £1,400 | £1,200 | +£200+17% | £1,000 | +£400+40% | £6,800 | £5,400 | +£1,400+26% |
| Total overheads | £17,900 | £16,200 | +£1,700+10% | £13,750 | +£4,150+30% | £97,100 | £79,000 | +£18,100+23% |
| Profit before tax | £12,500 | £11,400 | +£1,100+10% | £9,620 | +£2,880+30% | £55,000 | £40,073 | +£14,927+37% |
| 8000Corporation Tax | £2,750 | £2,508 | +£242+10% | £2,116 | +£634+30% | £12,100 | £8,816 | +£3,284+37% |
| Profit after tax | £9,750 | £8,892 | +£858+10% | £7,504 | +£2,246+30% | £42,900 | £31,257 | +£11,643+37% |
Green is favourable (more income or lower costs), red is adverse.
A monthly CFO meeting
Each month you get a short board pack: the numbers that matter for your business, and three clear priorities agreed with your CFO.
Gross margin
58%
Steady · target 55%+
Ad spend / sales
12%
Up from 9% in June
Repeat customers
31%
Up from 26%
Months of costs in cash
2.1
Target 3 by March
Your CFO's three priorities for next month
- 1Cap ad spend at 10% of sales and move budget to email for repeat buyers.
- 2Order Christmas stock by 20 October to keep the December peak.
- 3Decide on the Singapore warehouse at the November meeting, once Q3 VAT is paid.
Ready when investors ask
Planning to raise money? Your CFO prepares the forecast, numbers and documents investors expect, and tells you what is still missing.
- Monthly management accounts
- 3-year financial forecast
- Key numbers dashboard
- Share ownership table
- Investor presentationIn progress
- Due diligence folderTo do
Ask your numbers
Ask about your cash and your plans in plain English, and see the answer as a chart with its sources. Pick a sample question to try it.
Ask your numbers
Sample dataYou asked
Will my cash stay healthy over the next 12 months?
Yes. Starting from £84,320, your cash is forecast to reach £143,420 by Sep. The lowest point is £88,620 in Nov, still well above your £40,000 safety buffer.
Where these numbers come from: 12-month cash forecast (Ting Accounting → Reports → Cash forecast)
In TingCloud you can type any question about your own books, with answers from your real figures. 300 questions a month are included, or 600 with Ting CFO. Get started
Connected
One payment, updated everywhere.
Ting Pay, Accounting, Tax and CFO share the same numbers. Nobody re-types anything, so your books, your tax and your cash forecast always agree.
- 1Ting PayHartley Home pays £3,600The money lands in your GBP balance on 3 Oct.
- 2Ting AccountingBooked automatically£3,000 sales + £600 VAT. Invoice marked paid, cash in bank up £3,600.
- 3Ting TaxVAT return updated£600 added to the Oct–Dec VAT return, due 7 Feb 2027.
- 4Ting CFOForecast updatedCash today and the 12-month cash forecast move the same day.
Want this for your business?
Create a free account and a Ting expert will set it up with your real numbers — or talk to us first.