Frequently asked
How this works.
Plain answers to the questions early users ask most — including what the app deliberately doesn't do.
Is this financial advice?
No. Personal CFO provides analytical insights based on the information you enter. It is not financial advice, investment advice, tax advice, or a recommendation to buy or sell financial products.
Does Personal CFO connect to my bank accounts?
No. Personal CFO does not connect to bank accounts, pensions, investment platforms, or transaction feeds by design. The product is intentionally manual — built for deliberate quarterly review, not passive automated tracking.
Does it integrate with pensions, investments, or brokerage accounts?
No. By design, Personal CFO does not integrate with pension providers, investment platforms, or brokerage accounts. You enter the balances you want reflected in your financial position — nothing is pulled in automatically.
Why is the app manual rather than automated?
Because manual entry is the point. Automated feeds drown important signal in everyday spending noise. Personal CFO is built around deliberate quarterly reflection — pause, enter the numbers, and act on what they say.
How often should I update it?
The intended cadence is quarterly. Monthly updates are possible, but the product is designed to focus on medium-term financial position rather than daily spending noise.
Who is this app for?
People who want a structured, business-like view of their personal finances — especially those who want to understand cash flow, resilience, debt pressure, and progress over time.
Is my data private?
Yes. Your data is stored privately and is only accessible to you when signed in. The app uses row-level security on the database so users can only access their own records.
Can I use rough estimates?
Yes. The app is designed to work with sensible estimates, especially for early reviews. More accurate inputs will produce more useful outputs.
Why does it use ratios and benchmarks?
Ratios make it easier to compare financial position over time and to identify pressure points. Benchmarks provide context — they're not rules.
What does a RAG status mean?
RAG means Red, Amber, Green. It's a simple status system used to highlight areas that may need attention.
Can I export my audit?
Export is on the roadmap and will be available as a Pro feature when it ships. For now, your saved quarterly snapshots remain accessible inside your account.
What should I do if the audit looks wrong?
Check the inputs first. Most unusual results come from missing values, incorrect expenses, or accidentally entering monthly values as annual values (or vice versa).