Finoya

What Finoya is

Finoya is an AI CFO platform for businesses and advisors that uses connected accounting data to monitor cash flow, build forecasts and scenarios, and provide financial guidance. Its cash flow health scoring and forecasts draw on accounting connections. Users can test decisions such as hiring, pricing changes, cost adjustments, or delays before committing. The Noya assistant answers financial questions in plain English and suggests next steps using the business’s data. Finoya lists support for accounting platforms including QuickBooks, Xero, Sage, MYOB, FreshBooks, Zoho Books, Clear Books, Microsoft Dynamics, Tally, Wave, Mekari Jurnal, Wafeq, Odoo, Oracle NetSuite, Qoyod, Kashflow, and FreeAgent. The company says connections are read-only, so the service cannot change accounting records. It also says data is encrypted and accessible only to authorized users; Noya does not browse the internet or use third-party financial data. The accountants and fractional CFOs plan costs $39 a month per client, with the first 5 clients free for life. The Business Owners and Startups plan is described as Free for Life for signups before Oct 31, 2026, and includes weekly automatic sync, the last 12 months of history, and email and chat support.

Who it suits

Finoya is intended for business owners, startups, accountants, fractional CFOs, and advisors. The accountants and fractional CFOs plan charges $39 a month per client after the first 5 free-for-life clients.

Limits

The Business Owners and Startups plan includes 12 months of history and weekly automatic sync. The accountants and fractional CFOs plan includes the first five clients free for life; additional clients are billed at $39 a month per client.

Getting started

1. Visit finoya.ai.
2. Choose the Business Owners and Startups plan or the Accountants and Fractional CFOs plan.
3. Sign up for the Business Owners and Startups free-for-life offer before October 31, 2026, if eligible.
4. Connect a supported accounting platform.
5. Use Finoya on the web or choose self-hosted deployment where available.

Verdict

Finoya combines accounting-data forecasts, scenario planning, and an AI assistant for business finance decisions. Its Business plan history and sync cadence are limited, and the accountants’ plan is priced per client.