mybalancingIQ

Most business owners don't know if they're actually profitable - until it's too late.

mybalancingIQ connects to your QuickBooks or Xero and gives you a real-time business health score, cash flow forecast, and competitor insights — in minutes.

Start for free, then $59 month See how it works →

First month free - cancel any time

Works with

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No signup needed

See how you stack up against your competitors — free, in minutes.

Enter your website and we'll research your top competitors, score you side-by-side, and hand you an action plan. No account, no card — just real insight you can download.

We find your rivals

Not sure who to compare against? We'll pick the most relevant competitors for you.

Side-by-side scorecard

See exactly where you win, where you lag, and by how much.

Download the report

Take the full analysis with you as a polished PDF.

or open it on its own page

Takes about 4–7 minutes · powered by mybalancingIQ

Up and running in under 5 minutes

Connect QuickBooks or Xero

Securely link your account. Takes about 2 minutes.

Get your health score

Instantly see your cash flow fitness, profitability, liquidity, and growth score.

Make smarter decisions

Use AI insights, forecasts, and alerts to act before problems arise.

Does this sound familiar?

Sales are up, but cash keeps running out — and you're not sure why.

Your accountant sends monthly reports — but problems happen daily.

You have no idea how your margins compare to others in your industry.

What you get

Everything you need. Nothing you don't.

Business health score

One clear number showing your cash flow fitness, profitability, liquidity, and growth — updated in real time.

Cash flow alerts & forecasting

Know about problems before they hit. Automated alerts for cash risk, margin dips, and unusual spend.

Competitor analysis

See how you stack up against your top competitors — with actionable suggestions to close the gap.

"What if" scenario planning

Model a new hire, a price change, or an investment — and instantly see the impact on your runway.

Invara — your AI advisor

Ask any financial question in plain English. Get clear, data-backed answers instantly, any time of day.

Accountant-ready

Share read-only access with your accountant or advisor. Enterprise-grade encryption included.

Why mybalancingIQ

Your financials deserve better than a chat window.

Most owners paste their numbers into a general AI chatbot. Here's what changes when the tool is built for financial data.

Capability	UsmybalancingIQ	AI chatGeneral AI chatbot
Where your financial data goes
Your numbers are never used to train AI models	Yes	No
Financial data encrypted with a dedicated key we rotate	Yes	No
Connects to your books without ever handling your password	Yes	No
Read-only — never changes anything in your accounts	Yes	No
You can cut off access yourself, any time	Yes	No
What it can actually do
Reads your live P&L and balance sheet	Yes	No
Answers from your real numbers, not what you pasted	Yes	No
Warns you before there's a problem	Yes	No
Benchmarks you against your actual competitors	Yes	No
Share read-only with your accountant	Yes	No

Read the detail: Trust & Security · Security FAQ for accountants

Early adopters say

"I finally understood why we were profitable on paper but always short on cash. mybalancingIQ showed me in the first week."

— Founding member, retail business

"The competitor analysis alone changed how I price our services. I had no idea we were underselling by 18%."

— Founding member, services business

What it's worth

See your return in real time.

Drag the sliders to match your business — the numbers move as you do.

Your business

Annual revenue$2.0M

Gross margin35%

Hours per week on financial admin10 hrs

Pulling reports, reconciling accounts, chasing down numbers before a decision

Blended finance/ops rate$75/hr

Fully loaded — whoever's time it is: yours, a controller's, or a bookkeeper's

Your financial risk

Cost of blind spots, as a share of revenue2.25%

$45,000 a year — what cash crunches, margin leaks, underpriced jobs, and slow collections cost you once they surface too late

Share Invara would catch early80%

Your Business Health Score flags the drift while there's still time to act. Dial it down and check the math still works.

Estimated net annual benefit

$62,592

after your mybalancingIQ subscription

30 hrs

back every month

$89.41

back for every $1 spent

4 days

payback

$179k

in extra sales it would take to match this at your margin

Where the benefit comes from

Time reclaimed$27,300

Blind spots avoided$36,000

Catch one blind spot like this and mybalancingIQ has already paid for itself. Everything else this year is upside.

Illustrative estimate based on the figures you enter — not a guarantee of results, and not professional financial, accounting, or legal advice. Assumes mybalancingIQ automates roughly 70% of routine reporting and reconciliation work, and an annual subscription cost of $708 ($59/mo).

Pricing

All Access

$59/mo

Full access to everything — health scores, AI advisor, competitor analysis, forecasting, and more.

+$20/mo for each extra business

First month free · cancel any time

Start for free

Start knowing your business — really knowing it.

Join the founding members building smarter businesses with mybalancingIQ.

Start today

First month free · cancel any time