It's not Magic, It's Merlin
Your Financial Nervous System
Not another AI chatbot. Merlin is purpose-built platform financial intelligence — watching your numbers around the clock, calculating (not guessing), and translating your data into decisions you can actually act on.
Free trial includes full access to Merlin.
I want to hire 3 senior engineers starting in April. Can we afford it?
I can see your chart of accounts. For senior engineer hires, I'll use the "Salaries" account under "Salaries & Benefits."
Initiative Summary
At current burn, this drops runway from 24mo → 13mo. Your cash balance goes from $91K → -$818K by end of forecast.
Generic AI guesses. That's fine for writing emails. It's catastrophic for your financials.
You've probably tried asking ChatGPT or Copilot about your finances. Maybe it gave you something that looked like an answer. But financial decisions aren't prose — they're math. Approximations compound into bad calls. Merlin was built with a different constraint: every number it surfaces has to be exactly right.
What about the new MCPs? This is the latest "Build vs Buy" question. Your accounting software may now let you point a general AI at your books and build your own planning system. However, you also own the agent(s), the spreadsheet, and the hours it takes to keep them right. Merlin is the finished version: your data imports itself and refreshes daily, the modeling is already built, and it only costs you $100/mo.
Merlin calculates. It doesn't guess.
Most AI tools are probability engines — they produce answers that are statistically plausible. Merlin is a calculation engine, with the specific tools to get things right. When it tells you your runway is 7.4 months, that's not an estimate. It's math.
Generic AI
Merlin
WHAT MERLIN DOES
Built for the questions business owners actually ask
Cash Flow Intelligence
"How much more revenue do I need to hire X?"
Merlin connects your cash flow, burn rate, and revenue trends — so you can model hiring decisions against real numbers, not gut feel.
Answer: Merlin
At your current MRR of $32K and burn of $71K/mo, hiring a senior engineer at $12K/mo fully loaded would drop your runway from 14.2 to 10.8 months. To stay at 14+ months, you'd need ~$8K/mo in new revenue first.
[See the math →]
Scenario Intelligence
"What happens if we lose our biggest customer?"
Ask Merlin any what-if question. It models scenarios against your real historical data — not industry benchmarks or generic assumptions.
Scenario: Merlin
If your largest customer's $14,000 a month stops in March and headcount stays as it is, runway falls from 11.3 to 9.2 months.
[See the math →]
Forward Forecasting
"Where will we be in six months?"
Merlin builds rolling 12-month forecasts anchored to your actual numbers. It accounts for seasonality, known commitments, and recent trend changes. Building the plan you'll run? Start it in Planning (Beta) from a 3-month rolling average, an AI projection, last year's actuals, a copy of your current budget, or a file in our template, depending on your data and what's switched on.
Forecast: Merlin
Based on your current trajectory, cash at the end of June is projected at $1.21M. With your Q2 hiring initiative added, it is $1.09M.
[See the math →]
Ask Merlin Anything
"Can I just... ask it?"
Yes. Merlin is a full conversational interface. Ask anything about your financials in plain English. And with the context of your full transactional data, digging in to the right info is now at your fingers.
Merlin: Merlin
Your October burn was $84,200 — up $18,400 (28%) from September. Driven primarily by payroll (+$11,200) and new software (+$4,100).
[See the math →]
ALWAYS ON
Your Financial Nervous System
Your body's nervous system doesn't wait for you to ask "am I okay?" It monitors constantly. It sends signals before something becomes a crisis. It translates your complex body state into a simple feeling: safe, or not safe.
Merlin works the same way. It's the layer between your raw financial data and the decisions you need to make — watching continuously, surfacing what matters, when it matters, translating numbers into plain language your board, your team, and your gut can all understand.
You don't have to log in to find out something changed. Merlin tells you.
Proactive alerts
Get notified before problems compound
Always monitoring
Merlin works while you're asleep
Wherever you are
Insights surface when you return
BUILT FOR SKEPTICS
Every insight. Full traceability.
We know the reaction. "That's what the AI says, but where's the proof?"
Every number Merlin surfaces — every alert, every projection, every anomaly — is linked directly to the source data and calculation that produced it. One click opens the math. Not a summary of the math. The actual math.
This isn't just good design. It's the only way an AI should work when the numbers matter.
"No black box. No 'trust us.' Merlin shows its work."
Your October burn was $84,200 — up $18,400 (28%) from September.
Source Breakdown
↳ Traced to 14 transactions across 3 accounts
BUILT FOR BUSINESS OWNERS
Merlin speaks plain English — not jargon.
You started your company to make an impact — not to become a financial analyst. But the numbers still matter: stakeholders want updates, hiring depends on cash position, and big decisions need real data behind them, without a ton of legwork to track it all down.
Merlin translates all of it. Not into jargon. Into answers.
"You have 9.2 months of runway at your current burn rate."
"Your largest expense category grew 18% this month — want to see why?"
"If you make this hire, your break-even date shifts by 6 months."
Plain English. Every time.
GET STARTED
Merlin is ready when you are.
Two ways to summon Merlin — use the keyboard shortcut or click the icon on the upper right of your platform screen. Start chatting about your financials or get help in building 'what-if' scenarios, and get answers grounded in your real data.
Found something unexpected? We'd love to hear about it.
Read-only access
Merlin sees your data, and only your data. It can't move money, modify accounts, or change any of your information.
API-powered connectivity
Accounting connections and data transfer through bank-grade security infrastructure.
Encrypted at rest
All financial data encrypted with AES-256.
See what Merlin finds in your numbers.
Start a free trial and run Merlin on your actual financial data. Connect your account and Merlin gets to work in minutes.
Free trial includes full Merlin access.