Cash-flow forecasting
A day-by-day, 90-day forecast of your cash position — deterministic and repeatable. See your lowest expected balance, threshold breaches and what drives every single day.
Your AI CFO
Know your cash flow 90 days ahead
Finzy connects your bank and bookkeeping data, builds a day-by-day cash-flow forecast, and lets you test scenarios and ask questions in plain language — so you always know where your money is heading.
Cash balance · app.finzy.se
What is Finzy?
Finzy is an AI CFO. It gathers your bank transactions and bookkeeping in one place, forecasts your cash position day by day for the next 90 days, and explains what drives it — overdue invoices, recurring costs, upcoming payments. No spreadsheets, no guesswork.
How it works
From raw data to a clear forecast in three steps
Finzy works with the data you already have — no manual bookkeeping required.
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Connect your data
Link your business bank accounts via open banking, sync your accounting software, or import SIE and CSV files. Finzy organizes transactions, invoices and accounts automatically.
- 2 / 3
Get your forecast
Finzy builds a deterministic 90-day cash-flow forecast from your actual transactions, open invoices and recurring flows — with every number traceable back to its source.
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Decide with confidence
Test what-if scenarios, get automatic insights on risks, and ask Finzy questions in plain language. See your lowest expected balance before it happens.
Product
Everything a CFO would watch, automated
Built for founders and finance-responsible people who need clarity, not another spreadsheet.
Scenario analysis
What happens if you hire, buy equipment, or a big invoice slips a month? Add one-time or monthly items, move payments, and compare against your base forecast.
Ask Finzy
Ask questions like “Can we afford to hire in March?” in plain language. Finzy computes every number from your data — the AI explains, with its sources shown.
Bank connections
Connect business bank accounts via open banking for up-to-date balances and transactions. Read-only access — Finzy can never move your money.
Receivables & payables
Customer and supplier invoices in one view: what is outstanding, what is overdue, and how open invoices affect your forecast on their due dates.
Automatic insights
Finzy flags liquidity risks, overdue receivables, customer concentration and stale forecasts — sorted by severity, so you see the important things first.
Categorization & recurring flows
Transactions are organized into categories, and recurring incomes and costs are detected and confirmed by you — feeding directly into the forecast.
SIE & CSV import
Import SIE 4 and SIE 5 accounting exports — the standard format supported by most Swedish accounting programs — or upload bank transactions as CSV.
Ask Finzy
An AI that explains — and never invents numbers
Most AI tools guess. Finzy separates calculation from explanation: every figure is computed deterministically from your own data, and the AI only explains what the numbers mean.
- Every number is computed by Finzy from your data — never by the language model.
- Answers show the underlying data they are based on, so you can verify them.
- The assistant tells you when data is missing or stale instead of guessing.
- It answers questions — it never takes actions, moves money or changes your books.
Fråga Finzy
Illustration with example data
Can we afford to hire in March?
Based on your latest forecast, yes — with margin:
- Your lowest projected balance in March is SEK 214,000.
- A monthly cost of SEK 55,000 keeps you above your SEK 100,000 buffer.
This answer is based on
Forecast #12 (completed today)3 confirmed recurring flows
Ask about your cash flow…
Integrations
Works with the tools you already use
Finzy connects to your existing bank and accounting setup — no migration needed.
Business bank accounts
Connect your bank via open banking and Finzy keeps balances and transactions up to date automatically. Read-only — no payment access.
Accounting software
Sync your chart of accounts, journal entries, and customer and supplier invoices directly from your accounting software.
SIE files
Import SIE 4 and SIE 5 exports — the Swedish standard format that most accounting programs can produce. Preview before anything is written.
CSV files
Upload bank transaction exports as CSV and get started without connecting anything.
Security & data
Serious about your financial data
Finzy is built for financial data from day one. These are engineering facts, not marketing promises.
Your data is isolated
All data is scoped to your organization, and that boundary is enforced on every single API request — not just in the UI.
Credentials are encrypted
Tokens for bank and accounting connections are encrypted with AES-256-GCM before they are stored — never kept in plain text.
Encrypted in transit
All traffic between you and Finzy — and between Finzy and your integrations — runs over HTTPS/TLS.
Read-only by design
Finzy reads data to build your forecast. It cannot initiate payments, and it never writes to your bookkeeping.
Bank data and books never mixed
Your cash balance always comes from one clearly labeled source — live bank data or your ledger — never silently blended.
AI without leaks into logs
Questions you ask the assistant and your financial records are never written to application logs.
FAQ
Frequently asked questions
What exactly does Finzy do?
Finzy collects your bank transactions, invoices and bookkeeping data, and turns them into a 90-day cash-flow forecast. On top of that you get scenario analysis, automatic risk insights, and an AI assistant that answers questions about your liquidity — grounded in your own numbers.
Who is Finzy for?
Founders, owners and finance-responsible people who want CFO-level visibility into their cash without hiring a CFO or maintaining spreadsheets. Finzy is built around Swedish accounting standards like SIE.
Can the AI make up numbers?
No. Every figure in Finzy is computed deterministically from your data — the language model only explains results and always shows which data an answer is based on. If data is missing or stale, the assistant says so instead of guessing.
What can I connect to Finzy?
Business bank accounts via open banking, your accounting software, SIE 4/SIE 5 files (the export format supported by most Swedish accounting programs), and CSV files with bank transactions.
Can Finzy move money or change my bookkeeping?
No. Finzy has read-only access: it cannot initiate payments, and it never writes to your accounting records. It analyzes and explains — decisions and actions stay with you.
How do I get started?
Create an account at app.finzy.se, connect a data source — bank, accounting software or a file import — and run your first forecast right away.
See where your cash is heading
Connect your data and get a 90-day cash-flow forecast — with an AI CFO that explains it.
Open the app