FP&A for small businesses.

One platform for advisors and owners.

Advisors: Request a Demo Owners: Start Free
Four Simple Tools

Set the Course for the Next Year.

Then make smart decisions along the way, all done simply and clearly for fast, confident answers.

01 Personal Audit Present day 02 Business Diagnostic Present day 03 Strategic Decisions Short and medium term 04 Forecasting Medium and long term
A personal audit ending in $20,043 a month: income, expenses, a 20% buffer and tax against a $20,000 goal
Step 1 of 4

Ground your business planning in your current household financials.

Account for your household finances and lifestyle goals to quantify the gap from where you are now to where you want to be.

  • Expenses, savings goals, big purchases ahead, and taxes — in one place
  • Taxes worked out for your state and filing status, not a flat guess
  • Every forecast and strategy on the platform is measured against this number
Entire App Free, No Account Needed Learn More
A cash flow walk: $100,474 of revenue from coaching and a course, less direct costs, marketing and admin, to $82,171 of business cash flow, then benefits and tax to $62,611 for the owner
Step 2 of 4

Understand and benchmark your cash flow like an investor.

Upload however you track your finances. No setup, no chart of accounts to build first.

  • Statements, a spreadsheet, or a bookkeeping export — we read them for you
  • Your money walked from sales down to what you keep after tax
  • A scorecard that grades every line against others in your industry
Start For Free, No Account Needed Learn More
A price rise walked from revenue to the owner's take-home in current, change and scenario columns, ending in $6,826 more a year
Step 3 of 4

Make quick and confident decisions, backed by numbers you trust.

A menu that covers every decision an owner faces, each one focused and structured so you understand it in depth.

  • Pricing, a hire, a new product, debt or costs, or a decision you shape yourself
  • One move at a time, walked from sales to what reaches you after tax
  • The reasoning behind every change, and a task board to carry it out
Start For Free, No Account Needed Learn More
A 24-month timeline with break-even in month 1 and the income target reached in month 20, above total value crossing the target line
Step 4 of 4

Build a business where you only do the parts you love.

Right now you probably do everything. Design what the business looks like when you don't, and map how to get there.

  • Start from the after-tax income your household needs
  • Design month 24: what you sell, what it costs and who does the work
  • Draw the path month by month so you start fully prepared
  • Extend to years 3–5, maturing from a business to an enterprise
4 Trial Forecasts Free, No Account Needed Learn More

What Founders Say

All Client Reviews

Raising Money

This was a huge missing piece. We had the vision; now we have the numbers behind it.

I had the story in my head, but telling the financial story was exactly what we didn’t have yet. We had a deck we hadn’t shown anyone, and I didn’t want to walk into investor conversations without that confidence. Working through it, I kept thinking: this is exactly what’s missing. Now I have a lot more confidence around the numbers, and I can’t imagine that most founders have access to something like this.

Debbie Fluen$y

Read the story

Launching a Program

Having a plan and timeline I understand gave me the confidence to start after years of waiting.

I finally feel like I have the business side figured out for my coaching program. Occam added expenses I’d forgotten, including calculating my taxes which ended up being the biggest expense of all, and helped me rebuild my marketing plan. Having a plan and timeline I understand gave me the confidence to start after years of waiting.

Ben Purpose Over Pixels

Read the story

Deciding Whether To Start

Once I got to the cash flow table and timeline I felt like, wow, OK, this was worth it.

I didn’t want to start a business and hope for the best. How many accounts do I need to sell, at what price, how do I make the sale? I’m super cautious of the inputs I put in, so it took me a while, but once I got to the cash flow table and timeline I felt like, wow, OK, this was worth it.

Pat Pre-launch

Read the story
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For Owners

You Don't Need a Finance Background.

Occam, the AI advisor on every screen, reads your numbers and plans with you.

Occam Imports

Your Books, Read for You.

Drop in whatever you have. Occam surveys the files, asks about anything it is not sure of, and shows you a one-page proposal to approve before anything is built.

SpreadsheetsAccounting exportsBank statements
See the Diagnostic
Occam's import: three upload boxes for sales, expenses and costs, with Occam's note on what it will build
Occam Proposes

A Plan Drafted End to End.

Describe the business you want in two years. Occam researches prices and costs in your market, drafts every stream and every expense, and hands you a plan to edit, not a blank page.

Market researchPricingCosts
See Forecasting
A drafted revenue design: services, products and subscriptions, each with its price, volume and revenue
Occam Decides With You

Every Decision, Priced Before You Make It.

A hire, a price change, a new product. Occam runs it against your live numbers and shows what changes for your cash and your take-home, and why.

New hirePrice changeNew product
See Strategic Decisions
A pricing decision: revenue and cash flow both up, with Occam's reasoning for the change
Occam Answers

Ask About Any Number.

Occam reads the same screen you do, so the answer is about your business, not businesses in general.

On every screenPlain wordsAt any step
Compare Plans
Hire an Assistant
  1. You

    Does a 10-hour-a-week assistant pay for themselves here?

  2. Occam

    In this scenario, yes. The assistant costs $12,000 a year. The hours they take off your plate become 6 more coaching clients ($13,320) and 20 more course sales ($3,940), about $17,260 of new sales a year. The coaching spots alone cover the cost; the course is upside.

For Consultants

Every Client, From One Board.

Fractional CFOs, bookkeepers and coaches run each engagement on the client's real numbers.

Who Needs You Today.

One roster shows each client, their open items and every question still waiting on a reply, longest wait first.

How Firms Work Here
A consultant's dashboard: open items, pending invites and replies owed at a glance, the two threads waiting longest, and the client roster

Open the Account. Run the Decision.

Step into a client's account and work in it as they would: price the hire, the rate change or the new debt, then walk them through what it does to their cash.

How Firms Work Here
A price change run inside a client's account, under the banner that says whose account the consultant is working in: revenue, costs and cash flow, current against scenario

Their Questions, Next to Their Numbers.

Replies land on the board and in the client's inbox, and the queue keeps counting until you answer.

How Firms Work Here
Hire an assistant before January? Open High
  1. Maya, Steadyroot Wellness

    A virtual assistant at 10 hours a week, about $1,000 a month, would take scheduling, the inbox and client admin off my plate. The numbers say it pays for itself if the hours go into six more coaching clients and the course. Is that a fair read, and what should we watch in the first three months?

  2. You

    It is a fair read, with one condition: the freed hours have to be booked. Track two numbers monthly: sessions delivered and course sales. If both are up by month three, the hire is paying its way. Write the handoffs down before the first day.

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Security

Your Privacy Is the Priority

Every Protection, in Full

  1. Encrypted in Transit and at Rest

    HTTPS on every page. Account and financial data live in an encrypted database on a private network.

  2. Never Used to Train AI

    Written into the Terms, and every AI provider runs under commercial terms that exclude training.

  3. No SSN, EIN or Account Numbers

    The tools work from amounts and categories. Card details stay with Stripe.

  4. Accounts Defended

    Google or LinkedIn sign-in, lockout after repeated failed attempts, idle sessions signed out.

  5. Every Action Logged

    Your activity history shows what happened on your account, and when.

  6. Yours to Export or Delete

    Take everything as a file, or delete the account, from your own settings.

For Consultants, Fractional CFOs & Accountants

Start Planning Differently

The best way to understand Occam's Model is to see it in action. Create a free account to explore the tools clients use and request a demo for the consultancy portal.

Create a Free Account Request a Demo
For Business Owners

Get Started Today

Drop in your books and Occam imports your business automatically, then shows what it pays you, how it compares and what each decision does to your cash.

Import Your Business