Accounting · Planning · Money management
Know your numbers.
Plan what’s next.
Financial intelligence for your business and your life. Accounting, budgeting, forecasting and money management — brought together in one clear financial picture.
- Read-only connections
- Fixed monthly fee
- Cancel any time
- All fifty states
Illustrative dashboard. Every figure shown is invented for design purposes.
Everything financial
One place. Three ways in.
Most people arrive for one of these and end up using two. The household and the company have the same problem — the information exists and nobody has assembled it.
The difference
Ask a question.
Get the arithmetic.
Reports tell you what happened. The question you actually have is why, or what happens if. Ask ArthIQ answers in plain English over your own numbers, and shows every line it used to get there.
It explains. It does not decide. When the judgement matters more than the maths, the person who owns your account is one message away.
Try it on your numbersAsk ArthIQ
PersonalWhy did my spending increase this month?
You spent 14% more than usual. Three categories account for nearly all of it, and two of them are one-offs that will not repeat next month.
- Travel — Lisbon flights and hotel+$780
- Dining — 9 more transactions than usual+$310
- Utilities — annual water true-up+$190
- Groceries−$40
Sources: 412 transactions across 6 connected accounts.
Try another
Example answers, generated from invented data for illustration. Ask ArthIQ explains what your numbers show; it does not give investment, tax or legal advice.
In practice
The same discipline, both sides of your life.
What you keep each month, and what your company earned against the plan it promised. Two views, one standard of proof.
Cash flow
- Kept
- Spent
Personal. Income split into what left and what stayed. December is a bonus month and it does not flatter the average, because the annual bills sit in there too.
Profit and loss
| Line | Actual | Plan | Var |
|---|---|---|---|
| Revenue | 2,410 | 2,300 | +110 |
| Cost of revenue | (554) | (552) | −2 |
| Gross profit | 1,856 | 1,748 | +108 |
| Sales and marketing | (642) | (610) | −32 |
| Research and development | (868) | (820) | −48 |
| General and administrative | (298) | (286) | −12 |
| Operating income | 48 | 32 | +16 |
Gross margin 77.0% against 76.0% planned. Operating income is ahead despite $92K of opex overrun, $68K of which is payroll timing rather than a change in the hiring plan.
Business. Operating income ahead of plan despite $92K of opex overrun, because gross margin ran a point better. Both facts in one table, on day seven.
How it works
Connected in twenty minutes. Useful in a week.
Software does the assembling. People do the thinking. You get both, and you know the names of the second part.
- 01
Connect
20 minutesLink your accounts and your ledger, read-only. Banks, cards, payroll, billing, the general ledger — whatever you already use. Nothing changes on your side and nothing moves money.
- 02
Baseline
Week oneWe assemble the picture: categories cleaned, chart of accounts pruned, metric definitions written down. You get a first read on where the money actually goes, which is usually the uncomfortable part.
- 03
The monthly rhythm
OngoingBooks closed, variance explained, forecast re-run, dashboard refreshed. Same days every month, so decisions stop waiting on numbers that have not landed yet.
- 04
Decisions
Whenever they come upThe house, the hire, the price change, the raise. Ask ArthIQ for the arithmetic in seconds, or ask the person who owns your account for the judgement behind it.
And what we never do
- We never take custody of your money. Connections are read-only.
- We are not a registered investment adviser and we do not pick investments.
- We take no commissions, referral fees or vendor kickbacks. Ever.
- We do not sell or share your financial data with anyone.
- We do not lock you in. Month to month, cancel any time.
Pricing
Fixed fees. No hourly billing.
One price a month, quoted up front, that does not move because a quarter got busy.
In their words
What clients say.
“I run a nine-person studio and my own household on the same brain. Having both in one place stopped a specific bad habit — paying myself irregularly because I could never tell what the business could actually spare.”
“The monthly close went from nineteen days to six in a quarter. The bigger change is that our department heads now argue about their own numbers, which they never did when finance owned them.”
“We went into our Series B with a model our lead investor’s analyst could not break. That has never happened to me before, and it changed the tone of the whole process.”
DisclosureNames, companies and quotations above are illustrative placeholders created for design purposes and do not describe real clients or real engagements.
Common questions
Before you sign up.
What we are, what we never touch, and what it costs.
Ask us something elseIs ArthIQ software, or is it people?
Do you hold my money or move it?
Why offer personal and business finance together?
Do you replace my accountant or bookkeeper?
What is Ask ArthIQ, exactly?
How is my data protected?
How much does it cost?
What if I want to leave?
Next step
Thirty minutes,
and no documents.
The first call is about what you are deciding and what your current numbers can and cannot answer. If we are not the right team for it — or you only need one of the three tiers — we will say so and point you somewhere better.