Every module, one platform

The complete finance stack for SMBs.

From the moment money enters your account to the moment it leaves, Happy CFO sees it, classifies it, and helps you act on it.

Money in

Money in.

Invoices

Create, send, and track invoices. See exactly what's paid, pending, and overdue.

Customers

A unified customer ledger with payment history, average days-to-pay, and risk scoring.

Reminders

Automated, AI-drafted follow-ups that match your tone and your collection cadence.

Payment links

One-click hosted checkout via Stripe — customers pay in seconds.

Money out

Bills

Capture supplier bills, approve them in workflow, and never miss a due date.

Vendors

A central vendor directory with spend trends and contract renewal alerts.

Transactions

Your bank feed in real time, with deduplication and intelligent matching.

AI categorization

Bulk-classify hundreds of transactions in one click using your chart of accounts.

Plan & report

Forecast

30/60/90-day cash forecast with scenario planning across best, base, and worst cases.

Reports

P&L and cash flow statements you can export to CSV in two clicks.

Daily briefing

A structured AI summary every morning — headlines, risks, and priority actions.

Intelligence

AI CFO chat

Ask anything: 'What's my runway if revenue drops 20%?' Get a grounded answer.

Anomaly alerts

Spot duplicate charges, unexpected spend spikes, and missed deposits before they hurt.

Audit log

Every change, every reminder, every payment — fully traceable for you and your accountant.

Move off five tools and onto one. Free during early access.