Compare

How Tilo compares.

Tilo next to the other ways owners get a handle on their numbers: Clockwork, spreadsheets, Fathom, LivePlan and a fractional CFO, side by side on one page. Including when the other option is the better fit.

Compare	Tilo	Clockwork	Spreadsheets	Fathom	LivePlan	A fractional CFO
Cost	$799 a month per company; 7-day free trial; team and accountant included	From $719 a month for businesses and $1,499 for accounting firms; 20% less paid annually; 14-day free trial, no card⁵	Free, plus the hours to build and update them	From $59 a month for one company; lower per company for firms with many¹	Standard $20 or Premium $40 a month, paid monthly; less on an annual plan^2,3	Commonly $3,000 to $12,000 a month, depending on scope⁴
Built mainly for	Owners of a running business, and the advisors they invite	Accounting firms building an advisory practice, and growing businesses⁵	Anyone willing to build the model	Accountants and advisors reporting to clients, and multi-entity groups¹	Writing a business plan, often for a new business or a loan application^2,3	Businesses that need a senior finance person part time
Where the numbers come from	Actual books, read from QuickBooks Online or Xero every day, or an upload	QuickBooks Online and Desktop, Xero, Excel and Google Sheets, plus about ten payroll and HR systems⁵	Exported and pasted in by hand	QuickBooks Online and Desktop, Xero, MYOB, Sage, FreeAgent, Excel and Google Sheets¹	Projections you write; QuickBooks and Xero sync on Premium²	Your books, reviewed on their schedule
How current	Every day	Synced from your books⁵	Whenever someone updates it	Syncs every 24 hours, or on demand¹	When you update the plan, or on sync	Usually monthly, or at each meeting
Weekly cash forecast	13 weeks, built and refreshed for you, with a warning before cash drops below your minimum	52-week cash flow forecast, plus a 5-year financial model⁵	If you build it (free template)	Forecasting offered; check Fathom for weekly cash detail¹	Cash flow projections as part of the plan³	Usually, updated on their schedule
Problems flagged in dollars	Late payers, rising supplier costs, duplicate payments, missing bills	Alerts from its AI analyst (Mira Watch)⁵	Only if someone goes looking	Not listed in the sources we checked	Performance dashboards on Premium²	At the next review
Budget vs actual	Budget from last year in a minute; misses over 5% explained	Dashboards and scenario planning; budget vs actual not described on its homepage⁵	Possible, with formulas you maintain	Budgets, including consolidated budgets¹	Compares projections to accounting data on Premium³	Usually
Ask questions in plain English	Yes, answered from your books	Yes, through its AI analyst, Mira⁵	You work it out	AI commentary writer for reports¹; Q&A not listed	AI assistant for writing and forecast suggestions^2,3	When they are available
Lender package and coverage	Coverage before and after a loan, the largest loan, PDF, Excel and a private lender link	Not listed on its homepage	Assembled by hand	Not listed in the sources we checked	Lender-ready statements from your projections²	Usually, as a funding project
Consolidation across entities	Not offered	Not listed on its homepage	If you build it	Yes, multi-currency, up to 300 entities¹	Not listed in the sources we checked	Yes
Business plan and pitch	Not offered	A 5-year financial model, not a written plan⁵	If you write it	Not its focus	Yes: guided writer, 550+ sample plans, one-page pitch^2,3	Often
Judgment, negotiation, lender relationships	Gives you the numbers. You decide.	You or your advisor	You	You or your advisor	You	Yes. That's what you pay them for.
Security certification	Not yet independently certified; read-only access, encrypted keys, each company kept separate	SOC 2 Type II⁵	Depends on where you keep the file	SOC 2 Type 2¹	Not listed in the sources we checked	Depends on the firm

On a phone, scroll the table sideways; the row labels stay in view.

Tilo is the better fit if

You own a running business with a year or more of books in QuickBooks or Xero
You want problems flagged and questions answered without building or maintaining anything
You're planning to borrow and want to know what a lender will see, with the package ready
You need a CFO's analysis, but not $3,000 or more a month of one

When something else fits better

Clockwork is the better fit if

You want a 5-year financial model and a 52-week cash forecast, and the budget fits $719 a month or more
You're an accounting firm building an advisory practice across many clients
You need headcount planning tied to payroll and HR systems, or SOC 2 certification today

Spreadsheets is the better fit if

You enjoy building models and have the time to keep them current
Your business is simple enough that a monthly look is enough
You need a one-off custom model

Fathom is the better fit if

You're an accounting firm producing branded reports for many clients at a low per-company price
You need consolidated reporting across entities or currencies
You use MYOB, Sage or QuickBooks Desktop

LivePlan is the better fit if

You're starting a business and need a written business plan
You want a guided plan writer with sample plans and a pitch
You need projections with little or no history

A fractional CFO is the better fit if

You're raising equity, preparing for a sale, or need someone to manage lender relationships
You need someone to run the finance function, not just analyze it
You need board reporting and negotiation

Using them together

Many businesses mix these. Advisors use Fathom or Clockwork for client reporting while the client uses Tilo day to day. LivePlan writes the plan for a new venture; Tilo shows how the existing business is actually doing. A fractional CFO's hours go further when the forecast, reports and lender package are already built, and you can invite your CFO or accountant to Tilo free.

Try Tilo on your own books.

7-day free trial, then $799 a month per company. Connect QuickBooks or Xero and see your first findings in minutes. Your accountant joins free.

Start your free trial →

Sources. Competitor details come from public sources and were checked on November 2, 2026. Prices and features change; check each company's own site before you decide.