AI CoreLive

AI CFO Chat

Talk to your books. Ask anything. The AI does the work.

A chat backed by Claude Sonnet 4 with 60+ tools that can read and write every part of your books. Ask 'how much VAT do I owe this quarter?' and get a number. Say 'create an invoice for Acme for £4,000' and it drafts, asks you to confirm, then sends. Persistent memory, country-aware tax knowledge, GOV.UK guidance cited inline.

In short

AccountsOS chat is powered by Claude Sonnet 4 with 60+ tools the AI can call to read your books (transactions, balance, VAT, deadlines, reports) and write to them with confirmation (create invoice, log expense, run payroll, post journal). It carries memory across sessions, knows UK + IE + AE + BG + AU + US + HK + TR tax rules, and cites HMRC guidance live.

60+
Tools the AI can call
8
Countries' tax rules
24/7
Available
Try AI CFO Chat Free

Free during Early Access — no credit card required

Everything AI CFO Chat can do

Read-anything tools

Ask a question — the AI fetches the answer.

  • get_transactions, get_balance, get_deadlines, get_vat_summary, get_profit_loss, get_balance_sheet
  • search_documents, list_categories, list_invoices, list_bills, list_employees, list_dividends
  • get_dla_summary, get_payroll_summary, list_contacts, list_projects, get_company_settings
  • get_audit_log, get_uk_tax_rules, get_country_tax_rules, search_gov_uk_guidance

Write-with-confirmation tools

Tell the AI what you want done. It drafts. You approve.

  • create_transaction, update_transaction, categorize_transaction
  • create_invoice, send_invoice, mark_invoice_paid, create_credit_note
  • create_bill, pay_bill, create_estimate, convert_estimate_to_invoice
  • create_expense_claim, approve_expense, record_mileage, claim_home_office
  • create_employee, run_payroll, generate_payslip, post_payroll_to_gl, generate_fps_xml
  • record_dividend, post_journal_entry, create_deadline, create_task
  • create_bank_rule, run_reconciliation, generate_workpaper, draft_engagement_letter

Multi-step reasoning

Chain tools together to do real work, not just answer questions.

  • 'Find all unpaid invoices over 30 days old, draft chase emails, queue them to send'
  • 'Compare Q3 vs Q2 spend on software — show me what changed'
  • 'I'm thinking of paying myself a £6k bonus — what's the tax impact?'
  • 'Reconcile last month — match every receipt to a bank transaction'
  • 'Generate a CT600 workpaper for the year ended 31 March 2026'

Country-aware tax knowledge

UK-deep, internationally aware.

  • GB — full coverage: CT600, VAT 9-box, MTD, S455, marginal relief, dividends
  • IE — corporation tax, VAT, CT1 basics
  • AE — UAE corporate tax, QFZP free zones, VAT
  • BG — corporation tax, VAT
  • AU — income tax basics, BAS
  • US — quarterly estimated tax, sales tax nexus, 1099-NEC, W-2
  • HK / TR — basics

Cited answers

You don't just get an answer — you get the source.

  • Live GOV.UK guidance fetcher cites HMRC pages inline
  • Internal knowledge wiki cross-references rules and edge cases
  • Every answer shows the data source (which tool, which date range, which company)
  • Confidence flagged when the AI isn't sure

Capabilities at a glance

Powered by Claude Sonnet 4 (frontier-class reasoning)

60+ tools for reading and writing your books

Multi-step task chains (find, decide, act)

Confirmation flow before any write

Persistent memory across sessions

Country-aware (UK, IE, AE, BG, AU, US, HK, TR)

Cited answers with HMRC / GOV.UK sources

Knowledge wiki built in

Available via web chat, voice, MCP, Slack, WhatsApp, Telegram

Drag attachments straight into chat

How It Works

1

Ask in plain English

'How much did I spend on software last quarter?' / 'When's my next VAT deadline?' / 'Create an invoice for Acme for £4k.'

2

AI picks the right tools

For a question it calls read tools (e.g. get_transactions filtered by category). For a task it drafts the action and asks you to confirm.

3

You confirm writes

Reads return instantly. Writes show you exactly what's about to happen — invoice contents, transaction details, payment amount — and wait for a tap.

4

Memory carries forward

The AI remembers your past conversations, decisions, and patterns. Next session it picks up where you left off.

By the numbers

Claude
Sonnet 4
Frontier reasoning, not a wrapper bot
Persistent
Memory
Remembers every conversation across sessions
Confirm
Before write
Reads happen instantly; writes need your OK
Cited
Guidance
Quotes HMRC and GOV.UK pages inline

Real-world Use Cases

End-of-month sanity check

'Show me my P&L for May vs April — what changed?' The AI runs both reports, compares categories, and highlights the biggest movers in plain English.

Before paying yourself

'I want to take £8k this month. Salary or dividend split?' The AI calculates tax, NI, dividend tax, corporation tax impact, and recommends the optimum.

Invoice without opening the dashboard

'Invoice Acme £4k + VAT for January retainer with my standard 30-day terms.' Drafts in chat, you confirm, it sends. 12 seconds total.

Year-end fire drill

'Generate the CT600 workpaper, draft an engagement-letter renewal for my accountant, and list anything still uncategorised.' All three actions, all from one prompt.

Plays nicely with

Claude Sonnet 4

Live

The reasoning engine.

Claude Desktop (MCP)

Live

Same chat, same tools, in your desktop AI.

Voice (Gemini Live)

Live

Same chat, hands-free.

Slack

Live

DM the AccountsOS app or @-mention in a channel.

WhatsApp

Live

Chat with your books from your phone.

Telegram

Live

@accountsOS_bot on Telegram.

GOV.UK

Live

Live HMRC guidance fetched and cited inline.

Companies House

Live

Cross-references companies and directors during chat.

AccountsOS vs Generic ChatGPT bolt-on

CapabilityAccountsOSGeneric ChatGPT bolt-on
Tools60+ purpose-built accounting toolsNone / web search only
Reading your dataDirect DB access with auditYou paste numbers manually
Writing to booksYes, with confirmation flowNo
UK tax knowledgeEncoded rules + live GOV.UKWhatever was in training
Persistent memoryAcross sessionsForgets after the chat
ChannelsWeb, voice, Claude Desktop, Slack, WhatsApp, TelegramOne web chat

Why founders pick this over the spreadsheet

Stop hunting through menus — just ask

Get answers in seconds, not after a report runs

Take action without leaving the conversation

Memory means you don't repeat yourself

Cited answers you can trust at audit time

Available everywhere you already chat

Frequently Asked Questions

What model powers the chat?

Claude Sonnet 4 from Anthropic — frontier-class reasoning specifically chosen for its tool-calling reliability, which is what makes it safe to let the AI act on your books.

Can it actually create invoices, log expenses, run payroll?

Yes. There are 60+ tools the AI can call. Reads happen instantly; writes draft a preview and wait for your confirmation tap before they execute.

Does it remember past conversations?

Yes — persistent memory carries forward across sessions. Decisions, preferences, recurring patterns and your business context are remembered. You don't re-explain yourself.

How does it know UK tax rules?

Two layers: (1) encoded UK tax data — current CT, VAT, NI, dividend rates, S455, MTD thresholds — kept in sync with HMRC; and (2) a live GOV.UK guidance fetcher that cites HMRC pages inline for borderline questions.

What countries does it cover?

GB (deep), IE, AE (incl. QFZP), BG, AU, US (incl. quarterly estimated tax + sales tax nexus + 1099/W-2 generation), HK, TR. UK is the deepest; others cover the core tax facts and forms.

Can I use it from outside the dashboard?

Yes — same chat, same tools, in: Claude Desktop (via our MCP server), Slack (DM or channel @-mention), WhatsApp, Telegram, voice (Gemini Live for real-time), email.

What if it does something I didn't want?

Writes always require confirmation, so nothing happens without your tap. Every action lands in the audit log with timestamp, user, before/after values — you can roll back any change.

How is this different from ChatGPT?

ChatGPT can talk about accounting. AccountsOS chat can do accounting. The 60+ tools are the difference — they let the AI read live numbers and (with confirmation) take real actions on your books.

Can the AI hallucinate numbers?

No — every numeric answer comes from a tool call against your live data. We show the underlying tool calls in the audit log so you can verify.

How fast is it?

Read tools return in milliseconds — answers like balances, deadlines, recent transactions feel instant. Multi-step chains take a few seconds. Voice is real-time.

Explore more of AccountsOS

Voice Bookkeeping

Hands-free accounting. Drive, walk, cook — talk to your books.

Claude Desktop & MCP

Your books inside the AI assistant you already use.

Messaging Channels

Wherever you message, you can do accounting.

Persistent Memory

The AI remembers every conversation, decision, and pattern across sessions.

Tax Optimisation Alerts

The AI spots savings you'd miss. You get nudged in time to act.

Ready to try AI CFO Chat?

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Unlimited messages on every plan, including Free Early Access.

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