Meet Carlo · your AI mini-CFO

Every transfer,
coded to GAAP in seconds.

Move money between locations, pay down a card, sweep cash — just tell Carlo in plain English. He builds a balanced journal entry, cites the standard, syncs it to QuickBooks, and keeps the CFO numbers current across every entity.

Built by a multi-location restaurant-group CFO
Simple monthly pricing · Cancel anytime
Carlo live demo
100% balanced entries Live QuickBooks sync ASC / IFRS cited inline
Real-time integration layer

Your restaurant stack, wired to your books.

Carlo bridges your POS, bank feeds, and accounting software — pulling raw data in, coding it to GAAP in seconds, and pushing clean entries out automatically.

🍽️ TOAST POS 🏦 BANK FEEDS 📄 MANUAL CARLO.AI LIVE QB QUICKBOOKS XR XERO GS SHEETS CITED STANDARD ASC 810 · IFRS 10 ENTRY STATUS ✓ Balanced · Posted
entries coded today
100%balanced & cited
<10savg coding time
3integration sources
Trusted connections QuickBooks Online Plaid Google Sheets Gmail
<10s
to code & log an entry
100%
balanced double-entry
ASC / IFRS
cited by jurisdiction
Big-4
CPA-grade judgment
How it works

From a sentence to a posted entry.

No complex forms, no mapping tables. Just tell Carlo what you did, and he takes care of the accounting.

1

Tell Carlo

"Move $1,000 from Lenox Hill to Midtown East for payroll." Plain English or one-tap answers.

2

Carlo codes it

He pulls your chart, checks your history and trained model, builds the entry, and proves it balances first.

3

Post & sync

One tap posts to QuickBooks, mirrors to your Sheet, files the audit trail — standard cited inline.

Automatic reconciliation

Your bank feed reconciles itself — overnight.

Overnight feed sync

Carlo pulls Plaid at 3 AM. He checks every transaction against what's already in QuickBooks.

Auto-matches & codes

Routine payments and known vendors are matched instantly. Novel items get coded by AI.

Exceptions flagged

Anything Carlo isn't 100% sure about is queued for your review with a suggested entry attached.

Nightly Bank Sync processing
Aug 14
GUSTO PAY 8214
Exact match
$18,450.00
Aug 14
SYSCO NYC
Coded by Carlo
$4,120.50
Aug 13
STRIPE TRANSFER
Exact match
+$12,440.85
Aug 13
DOB FINES & FEES
For your review
$850.00
Pulling feed…
✓ Ready for review
Beyond bookkeeping

A CFO read on your money — every morning.

Because Carlo lives in your books, he watches the numbers between the entries: runway, margins by location, where money leaks, and what needs your eyes today.

Carlo's morning briefToday · 7:00a

Group cash is $412,900, up 4% on the week — about 38 days of runway. 3 entries are waiting on review.

Midtown East food cost is tracking 12% over its 4-week average.
Intercompany Due-To / Due-From nets to zero — clean to close.
Auto-coded 17 transfers this week · GAAP health 100%.
✦ CFO snapshot · all locations
Cash on hand
$412.9k
+4.1% wk/wk
Net income · MTD
−$6.2k
rent posted early
Days cash
38
at current burn
GAAP health
100%
balanced & cited
Spend by location
Lenox Hill$128k
Midtown East$104k
Commissary$71k
CFO Insights

Real-time runway, mapped across entities.

Carlo builds the dashboards a CFO would. See consolidated cash, runway, and tax exposure across all your locations.

carlo.ai / insights live
Consolidated Cash Forecast Illustrative
W-o-W Growth0%
Sales Tax80%
Weekly Capex$0
Carlo suggests escrowing $2,523/wk for quarterly tax.
Projected Cash BalanceCash stays positive
Starting: $52,000 Simulating… Trough: $28,500
ASC 230Statement of Cash Flows IFRS 7
🏢
Entity rollup

Combine balances across 10+ bank accounts automatically.

🛡️
Tax escrow mapping

Sales tax liability visually separated from operating cash.

📈
Scenario planning

Drag growth and capex sliders to instantly spot cash troughs.

The full CFO suite

Eleven dashboards, one click from your books.

Command center, store-vs-store, adjusted P&L, forecast, get-out-of-the-red, cash & vendors and more — Carlo reads your live numbers like a CFO would, and cites the standard behind every call.

🧭

Command Center

Every location's cash, margins and risks in one glance — with the things that need attention flagged before they cost you.

🏪

Store-vs-Store

Compare locations on food, labor and prime cost. Instantly see which is strong and which needs a hard call.

📊

Adjusted P&L

A lender-ready profit picture that strips out one-time noise, so you know your real earning power.

🏦

Cash & Vendors

Daily cash actuals and each vendor's payment cadence — who you pay, how much, and which day of the week.

🚑

Get out of the red

For any struggling location: what break-even takes — a what-if grid, a debt-payoff plan, and a fix list ranked by dollar impact.

🌊

13-Week Cash Forecast

See the trough before it hits — the low point of your cash run, and the tax weeks that cause it, flagged weeks ahead.

🍽️

Prime & Food Cost

Food and prime cost tracked against your 4-week average, by location — drift caught the week it starts.

👷

Labor & Productivity

Labor as a share of sales, by store and by week — see where hours are outrunning revenue.

🎛️

Scenario & Sensitivity

Test a price change, a rent bump or a slow month before it happens — with the cash impact laid out.

💎

Business Valuation

A live read on what your group is worth — EBITDA-based, with the multiples shown and the math visible.

💬

Ask your CFO

Plain-English questions — "which location do I fix first?", "what's my runway?" — grounded in your live books.

See it on your books →
Carlo is software, not a licensed CPA — anything filed should be reviewed by a professional.

What does Carlo replace?

Drag to your number of QuickBooks companies.

3 companies
$1,140
bookkeeper · 3 books · 10 hrs @ $38/hr
$89.97
Carlo — bookkeeper + CFO, 3 companies / mo
30 hrs
saved on reconciliation / mo · 3 books
$3,950
you keep every month
Bookkeeper modeled at $38/hr × 10 hrs/book/mo (data entry, reconciliation, reporting — industry mid-point). Fractional CFO at $200/hr × 15 hrs base, +$100/book beyond 5. Carlo priced per connected QuickBooks company — live Standard-plan pricing shown.
Pricing

Scale without the overhead.

$29.99 – $89.99 per connected QuickBooks company / mo — pay only for what you connect, billing starts when you subscribe.

Loading pricing…
🔒 Private per company 👁️ You approve every entry 🛡️ Encrypted, OAuth-only access 📤 Export or delete anytime

Frequently asked questions

Is Carlo a licensed CPA?

No. Carlo is AI-assisted and gives you balanced, standards-cited entries fast — but anything filed or attested should be reviewed by a licensed professional. Carlo is software, not accounting advice.

Does it work outside the US?

Yes. Set your jurisdiction (country / state) and Carlo applies the right framework — US GAAP, IFRS, or local GAAP — plus the relevant tax and labor rules, and cites the governing standard.

How does connecting QuickBooks work across many companies?

Intuit authorizes one company file per sign-in on its own secure screen, so Carlo queues your entities and walks each authorization with you — one quick tap apiece. Banks and cards connect the same way through Plaid, one institution at a time.

Where does my data go?

Into your own private workspace, isolated from every other account. Posted entries also mirror to your Google Sheet (or a local CSV until you connect Google). You can export everything anytime.

What if Carlo codes something wrong?

You review every entry before posting and can change the GL account. Carlo learns from your choices, so it gets more accurate to your books over time.

Do I need a credit card to start?

You can create a workspace and explore for free. When you pick a plan, you add a card at Stripe’s secure checkout and billing starts right away — and you can cancel in one click from Billing anytime.

Ready to balance your books in seconds?

Join the restaurant groups and agencies using Carlo to eliminate manual reconciliation and see their true cash runway.

Carlo is AI-assisted, not a licensed CPA. Every figure is balanced and standards are cited, but anything filed or attested should be reviewed by a licensed professional.
  • Simple per-company monthly pricing
  • Cancel in one click anytime
  • Set up in about 30 seconds
  • Your books stay private & exportable