Smart financial tools · Built for Canadian business owners

Financial clarity, without the accountant’s invoice.

Prosperify gives Canadian small business owners accountant-level tools — from payroll costing to CFO-style AI analysis — in plain English, built on verified 2026 CRA rates.

One free CFO report per account. No credit card required.

Greenleaf Bakery Co.
Q3 Financial Report · Prosperify
Sample report
Health score
Gross margin62.4%
Revenue growth↑ 8.3%
Cash runway4.2 mo
Burn rate$18.4k/mo
  • ⚠ Cash runway below the 6-month safe threshold — prioritise receivables now
  • ✓ Gross margin outperforms the food-industry average by 14 points
  • ◐ Staff costs growing 3× faster than revenue — review scheduling this quarter
What Prosperify does

Everything you need to understand your money

Professional-grade financial tools without the professional price tag — whether you’re running a bakery, an agency, or a trades business.

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CFO-style analysis

Upload a P&L, balance sheet, or bank statement and get a full plain-English report — health score, strengths, red flags, and prioritised action items.

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Canadian to the core

CPP and CPP2, EI, WCB, CCA classes, dividend tax credits — every calculator is built on verified 2026 CRA rates, across all 13 provinces and territories.

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Built-in financial literacy

Every tool explains what the numbers mean in plain English. You don’t just get data — you get understanding you can take into any meeting.

Why we built this

Numbers were never the problem. Understanding them was.

Most small business owners are brilliant at what they do — and quietly anxious about their own finances. Not because they’re bad at business, but because nobody ever made the numbers feel human.

Financial literacy became a language only specialists spoke. Everyone else was left guessing, second-guessing, and avoiding the paperwork that could actually help them grow.

Prosperify exists to close that gap. We take the rigour of professional financial analysis and translate it into plain English — so the insight that helps a business thrive is available to every owner, at every stage, without the cost or the jargon.

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The Prosperify mission

Professional-grade clarity, built for people without a finance degree.

13Provinces & territories covered by every calculator
2026CRA rates, verified against official sources
13Tools live today — with more on the way
$0Your first full CFO report is free
The toolkit

Tools built for real business owners

Every tool built for Canadian rules — CRA rates, all provinces and territories.

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CFO in a Box

Upload your P&L, balance sheet, or bank statement and get a full CFO-style report in plain English — health score, red flags, strengths, and prioritised action items.

Get your report →
👥Free

True Employee Cost Calculator

See the true all-in cost of a hire — CPP, CPP2, EI, vacation, stat holidays, WCB, and provincial payroll levies. All 13 provinces & territories, 2026 rates.

Calculate now →
🔥Free

Burn Rate Calculator

How many months of runway do you really have? A clear answer in under a minute.

Check your runway →
📐Free

Break-Even Calculator

Enter your fixed costs, variable costs, and price — and instantly see exactly how many units you need to sell to break even.

Calculate now →
💯Free

Health Score Quiz

A 5-minute diagnostic that grades your business across cash flow, margins, debt, and growth. Get your instant score — no document upload needed.

Take the quiz →
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Budget Builder

Build a 12-month operating budget — revenue, grouped costs, and the month-by-month surplus or deficit.

Build your budget →
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Canadian Tax Estimator

Estimate your combined federal + provincial tax as a sole proprietor or incorporated CCPC — all 13 provinces & territories, 2026 rates.

Estimate now →
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Dividend vs. Salary Calculator

Should you pay yourself salary, dividends, or a mix? See the after-tax result across all 13 provinces & territories, built on real CCPC planning.

Compare now →
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Lease vs. Buy Calculator

Find out which option saves your business more after tax — for equipment and vehicles. Uses CCA declining-balance rates and the Class 10 / 10.1 vehicle rules.

Compare now →
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Retirement Planner

Solve for the monthly savings you need, with CPP/OAS timing handled separately from your retirement date.

Plan now →
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Exit Readiness Assessment

Thinking about selling one day? Get an Exit Readiness Score across financials, operations, and structure — plus the gaps a buyer will look for.

Take the assessment →
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13-Week Cash Flow Forecaster

Stop guessing if you'll make payroll. A rolling 13-week forecast with CRA remittances and GST/HST built in.

Forecast now →
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Scenario Modeler

Pull five levers — pricing, volume, costs, hiring, debt — and see 12-month projections instantly.

Model scenarios →
How it works

From upload to insight, in plain English

01
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Upload your document

Drop in a PDF — your P&L, balance sheet, or bank statement. It’s sent over an encrypted connection to our server.

02
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AI reads every line

Anthropic’s Claude analyses your financials, grounded only in the figures actually present in your document — no invented numbers.

03
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Read it in plain English

No jargon, no charts to decode. A health score, what’s working, what’s not, and exactly what to do next.

04
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Lead with confidence

Walk into any meeting — with your team, your bank, your accountant — knowing where your business stands.

Pricing

Simple, honest pricing

Start free. Paid plans open at public launch — early access is free while we build.

Free
$0/forever

Try CFO in a Box once, free — plus our free calculators. No credit card needed.

  • One full CFO in a Box report
  • True Employee Cost Calculator
  • All free tools as they launch
Get started free
Business
$149/month

For growing teams with external stakeholders — your bank, your board, your advisor.

  • Everything in Pro
  • White-label reports
  • Quarterly business review
  • Team access
Opening at launch
Security & trust

Your financials are nobody else’s business

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Your documents are never stored

Your document is sent over an encrypted connection to generate your report, then discarded — it’s never saved to our database. We keep your generated reports so you can revisit them, never your uploaded files.

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Powered by Anthropic

To generate your report, your document content is sent to Anthropic’s Claude API for analysis, backed by SOC 2 Type II certification — enterprise-grade security standards.

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Never used for training

Your financial information is never used to train AI models, by us or by Anthropic. What happens in your Prosperify session is yours, and yours alone.

Ready when you are

Start understanding your finances today

Try CFO in a Box free — no credit card, no jargon. Just the truth about your numbers, finally in plain English.

Get started freeView pricing →