VibeCFO vs cfo.ai.
cfo.ai builds and maintains a live financial model - forecasts, scenarios, hiring plans, board decks - from QuickBooks, Xero and Rippling. VibeCFO is the choice when the answer has to reach past the ledger into the practice and operational systems around it - MYOB, XPM, WorkflowMax, FYI, Karbon, simPRO - or when an accounting firm needs many clients under one roof, each seen only by the right people.
Modelling. Scenario branches on a purpose-built calculation engine, board decks, and rebuilding an existing Excel model and reconciling it to the source while you watch are all genuinely strong. Its MCP server reads and writes on every plan with a one-line install. For a financial model of one company on QuickBooks or Xero, it is a serious option and we would not pretend otherwise.
By its own documentation it does not close your books - your accountant still does that. It connects four systems directly (QuickBooks Online, Xero, Rippling and Google Sheets) and resells about 660 more through Fivetran, Merge and Workato, but MYOB, XPM, WorkflowMax, FYI, Karbon, simPRO and Australian bank feeds are not among them. Below Enterprise there is one workspace and no partner programme: it is positioned to replace a fractional CFO or a finance hire, not to equip the firm advising many clients. Its infrastructure is in the United States.
The same eleven questions we ask of everyone.
Graded by who does the work, not by who could theoretically manage it. The bottom row goes against us, because it is true.
| WHAT YOU ACTUALLY NEED | VibeCFO | cfo.ai |
|---|---|---|
| WHAT IT CAN SEE | ||
| Your accounting ledger | Included | Included |
| Operational systemsjobs, rosters, stock, ecommerce, point of sale | Included | You build and maintain it |
| Your own databases and documents | Included | Included |
| Both read Xero and QuickBooks directly and take spreadsheets; cfo.ai reaches about 660 more systems through resold connectors, but not MYOB, XPM, WorkflowMax, FYI, Karbon or simPRO, which VibeCFO connects as purpose-built pipelines. | ||
| WHAT IT DOES WITH IT | ||
| Hands you an answer, not a dataset | Included | Included |
| Composed for your business, not a template | Included | Included |
| Knows your goals, not just your numbers | Included | Included |
| Does the work and sends it, unasked | Included | Included |
| Both hand you an answer built for your business rather than a dataset - cfo.ai as a live financial model with forecasts, scenarios and alerts, VibeCFO as reports and Pulses composed from your ledger and the systems around it. | ||
| WHO IS ALLOWED TO SEE WHAT | ||
| Row-level security, before the query runs | Included | You build and maintain it |
| VibeCFO applies row-level security before a query runs, so one firm can hold many clients and each person sees only their own; cfo.ai gives one workspace below Enterprise, so keeping clients apart is yours to arrange. | ||
| WHAT IT COSTS YOU TO LIVE WITH | ||
| Nobody needs SQL, DAX or M code | Included | Included |
| Still standing in eighteen months, unmaintained | Included | Included |
| Total control of every visual and formula | You build and maintain it | Included |
| Neither needs SQL and both are maintained for you; total control of the model goes to cfo.ai's calculation engine, and to VibeCFO only through the Power BI add-on. | ||
cfo.ai's side checked against its own site, documentation, legal pages and launch press on 20 September 2026. They ship weekly, so re-check anything your decision turns on.
Sources: cfo.ai pricing, cfo.ai documentation, cfo.ai integrations, cfo.ai llms.txt, cfo.ai terms, cfo.ai subprocessors.
VibeCFO and cfo.ai, answered.
What is the difference between VibeCFO and cfo.ai?
cfo.ai builds and maintains a live financial model - forecasts, scenarios, hiring plans, board decks - from QuickBooks, Xero and Rippling. VibeCFO is the choice when the answer has to reach past the ledger into the practice and operational systems around it - MYOB, XPM, WorkflowMax, FYI, Karbon, simPRO - or when an accounting firm needs many clients under one roof, each seen only by the right people.
Is cfo.ai the same company as Runway?
Yes. Runway Financial relaunched its product as cfo.ai on 10 September 2026, and runway.com now belongs to Runway, the AI video company. If an older review mentions Runway's financial planning product, it is describing cfo.ai.
Does cfo.ai work for Australian accounting firms?
It connects Xero directly, so the ledger is covered. XPM, WorkflowMax, FYI and Karbon are not among its integrations, it has no partner programme, and below Enterprise it gives one workspace - it is built to replace a finance hire at one company. VibeCFO is built for the firm with many clients as well as for the business itself.
How does the pricing compare?
cfo.ai lists US$500 or US$1,500 a month (US$375 or US$1,125 a month billed annually), with Enterprise priced on request. VibeCFO is priced in Australian dollars per user, per integration and per Pulse, with no base fee - the calculator on the pricing page works it out for your own stack.
Can my AI assistant connect to either?
Yes. cfo.ai's MCP server reads and writes on every plan. The VibeCFO MCP lets your assistant read your governed VibeCFO data, and an action EVA proposes in a connected system is carried out only after you confirm it. The VibeCFO MCP is in beta.
Where is my data held?
cfo.ai's infrastructure is in the United States. Where VibeCFO hosts your data and where a question is processed are set out together on our security page, at vibecfo.ai/security.
Which should I choose?
If you want a financial model and board decks for one company whose systems are QuickBooks, Xero and Rippling, cfo.ai is built for exactly that. If your numbers live across an Australian ledger, a practice system and the operational tools around them, or you advise many clients, that is VibeCFO's lane. Trying both on your own data will settle it faster than either page.
Others people weigh against us the same way.
Try it against cfo.ai.
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