AI can finally read the ledger
Modern AI models can categorise, reconcile and explain financial data with the accuracy finance demands — when paired with expert review.
Pre-launchProduct in development→
Building the financial intelligence layer for growth-stage businesses.
Outratio combines AI automation with qualified finance expertise to deliver accounting, analytics and CFO-level strategy in one subscription. Here's what we're building, why now, and how it scales.
At a glance
The opportunity in three lines.
01
Finance is fragmented and reactive
Growth-stage companies stitch together bookkeepers, spreadsheets and occasional advisers — and still make decisions on numbers that are weeks old.
02
One AI-powered finance layer
Automated accounting, live analytics, forecasting and a CFO Copilot — verified by finance professionals and delivered as a single subscription.
03
Software economics, service value
Recurring revenue across three tiers, expansion through upgrades and add-ons, and a cost to serve designed to fall as automation improves.
Why now
Four shifts make this possible today.
The technology, the infrastructure and the demand for real-time financial intelligence have converged — creating room for a new category between accounting software and human advisory.
Cloud ledgers are API-first
QuickBooks, Xero, NetSuite and others expose rich APIs, so Outratio can sit on top of existing systems instead of replacing them.
CFO talent is scarce
Senior finance leadership remains out of reach for most growth-stage companies, leaving a gap between bookkeeping and strategy.
Real-time is expected
Founders, boards and investors expect live numbers and forward-looking insight — not a PDF two weeks after month-end.
Positioning
Where Outratio fits.
Today, businesses choose between automation without insight and insight without automation. Outratio is designed to deliver both.
- Sits on top of existing ledgers — no migration for customers
- Human verification builds the trust finance requires
- One subscription replaces several vendors and tools
- Data compounds: every correction improves the model for that customer
Strategic insight →
Fractional CFOs & advisers
Strategic, but manual, part-time and expensive
Outratio
AI automation with CFO-grade insight, verified by experts
Traditional bookkeeping firms
Manual and compliance-focused
Accounting software
Automated records, little insight or advice
Automation →
How Outratio compares
| Capability |  |
In-house finance team | Traditional outsourcing | Accounting software alone |
|---|---|---|---|---|
| Automated bookkeeping & reconciliation | ||||
| Real-time dashboards & KPIs | ||||
| Forecasting & scenario modelling | ||||
| CFO-level strategic insight | Senior hire needed | |||
| Expert human verification | ||||
| Investor-ready reporting | ||||
| Always-on monitoring | ||||
| Typical cost profile | One subscription | Highest | Moderate | Low — but DIY |
Core capability
Partial or manual
Not typically offered
The product
What we're building.
Four modules on one intelligence layer — each valuable alone, more valuable together, and all delivered through a single subscription.
Accounting & Reporting
AI-automated bookkeeping, reconciliation and financial statements.
Live Analytics Portal
Real-time KPIs, cashflow and budget variance on web and mobile.
CFO Copilot
Human-verified AI that monitors, flags risks and answers in plain language.
Scenario & Forecast Engine
Runway, hiring and fundraising scenarios grounded in live numbers.
Business model
Recurring revenue that grows with the customer.
A tiered subscription captures customers early and expands as they scale, with high-value add-ons and enterprise packages on top.
Subscriptions
Three tiers built for land-and-expand.
- Starter $499 / mo
- Growth $999 / mo
- Scale $1,999 / mo
Indicative launch pricing · annual plans at 20% off
Add-ons
High-value modules attached to any plan.
- CFO advisory hours from $400
- Investor data room $299 / mo
- Valuation package $1,200
Enterprise & partners
Bespoke packages and new channels.
- Multi-entity groups Custom
- White-label for firms Custom
- API access Scale +
Customers grow into higher tiers as they scale — and revenue expands with them.
Roadmap
From foundation to scale.
We're building in deliberate phases — each one shipping standalone value to early-access partners while laying the data foundation for the next.
Phase 1In development
Foundation
- Ledger & bank-feed connectors
- AI categorisation & reconciliation
- Expert review workflow
- Monthly statements & MIS
Phase 2Next
Intelligence
- Live analytics portal — web & mobile
- KPI & variance dashboards
- Anomaly & risk detection
- Early-access partners onboarded
Phase 3Planned
Copilot
- CFO Copilot in natural language
- Scenario & forecast engine
- Weekly CFO briefings
- Virtual CFO service tier
Phase 4Planned
Scale
- Investor reporting & data room
- Multi-entity & multi-currency
- API, Power BI & white-label
- SOC 2 Type II audit
Sequencing is indicative. Detailed timelines and milestones are shared in our investor materials.
Team
Founder-led by a finance operator.
Outratio is built by people who have done the work it automates — from Big Four assurance to FP&A, ERP implementation and capital raising.
Meet the team
Khizr Iqbal
Founder & CEO
Big Four assurance at PwC (A.F. Ferguson), finance leadership at an international impact investment firm and hands-on ERP implementation. Built models for capital raises and led FP&A for multi-entity operations.
Investor relations
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- Market sizing and go-to-market strategy
- Product roadmap and milestones
- Financial model and unit economics
- Funding plans and use of funds
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This page is provided for information only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities. Forward-looking statements about product plans, pricing and milestones reflect current intentions and are subject to change.