CFO Pal is UK software for business owners who do not have a finance team. It connects to Xero, QuickBooks or Sage, reads the ledger twice a day, and turns what it finds into cash forecasts over 8, 13 and 26 weeks, management reports, gross margin by department, and alerts sent to WhatsApp before a cash problem arrives rather than after the month-end accounts. The software only ever reads accounting data and never writes to it. It does not give financial advice and does not replace an accountant: it is built to sit alongside one. £199 a month, no contract, 14 day free trial. For UK businesses turning over £1m to £20m. Data held in the UK.