For accounting firms
For accounting firms and the businesses they advise
Your AI finance team. You sign off.
Plug in QuickBooks, Xero or Sage. Milōn Financial Manager, Milōn Analyst and Milōn Advisor read the numbers, diagnose the business and draft the advisory. You review and sign off.
- QuickBooks Online
- Xero
- Sage
Free to explore your first client — no card. Trial covers up to 3 clients for 14 days.
- Connect a client's QuickBooks Online, Xero or Sage file, or upload a P&L and balance sheet.
- Milōn Financial Manager, Milōn Analyst and Milōn Advisor build the health score, 13-week cash forecast and action plan.
- You review and sign off every advisory pack.
Business owner? $39/mo, or free when your accountant is on Milōn →
MILŌNSample client
78Health score
Financing82
Assets74
Profit81
Cash61
13-week cash forecast$ thousands
AttentionCash dip — Week 6. Action plan ready: 3 moves close the gap.
- Milōn Financial Manager
- Milōn Analyst
- Milōn Advisor
Milōn Advisor draft · awaiting sign-off
DSO crept up to 52. Chase your top 3 invoices this week — that's $10k unlocked.
+9 ptsHealth score · this quarter
Less time on each client. The finance team prepares the file before you sit down.
The AI team prepares the work and your accountant reviews and approves it, so the client gets advice they can trust and the firm keeps control.
A Financial Manager, an Analyst and an Advisor, for a small monthly fee.
QuickBooks, Xero and Sage stay the books. Invoices, bills and receipts post only after a named person approves.
See it in 30 seconds
Two seats. One workspace.
The accountant runs the analysis and signs off every advisory pack. The owner sees exactly what to do next to grow the business, protect cash and improve margins.
For business owners
The owner's view
Business owner? $39/mo, or free when your accountant is on Milōn →Start here
Who are you in this story?
Milōn is built for accounting firms first, and for the business owners they serve. Choose yours — the same workspace connects both.
How it works
From financial statements to decisions.
01
Bring in the financials
Connect QuickBooks, Xero or Sage, or upload the P&L and balance sheet you already have as a PDF, Excel file, or CSV — or simply upload a bank statement.
02
Milōn understands the business
Milōn analyzes 19 carefully selected financial ratios across four pillars of financial health. DuPont analysis helps break profitability down to identify where the underlying problem sits.
03
AI prepares the next move
Your Milōn finance team turns the analysis and business context into clear recommendations, a 13-week cash forecast, and an action plan.
04
Your accountant reviews and signs off
The accountant reviews the AI-generated analysis and recommendations, makes any necessary changes, and signs off every advisory pack.
05
Actions get done
Recommendations become assigned actions that can be followed through and tracked — turning financial advice into an ongoing finance workflow.
Proof, not promises
Every number shows its workings. Every sign-off leaves a trail.
Workings on every ratio
Gross profit to labour, sales per employee and revenue growth each show the figures behind them, so you can see how the number was built.
Your accountant approves it
The AI team prepares the pack. Your accountant reviews and approves it, so the client gets advice they can trust and the firm keeps control.
Ready for the client
The Advisor's next moves sit ready for review. You request changes or sign off, then send the pack the firm has approved.
- Less time per client: the team pulls the figures and writes the first draft, and you keep the judgement.
- Better accuracy: the health score, the ratios and the cash view all come from the same QuickBooks, Xero or Sage file.
- A Financial Manager, an Analyst and an Advisor, for a small monthly fee.
- Clients' figures come alive as a diagnosis: why margins moved, and where cash is leaking.
- Advisory deliverables are ready to send once you sign off.
- QuickBooks, Xero and Sage connect into the same workspace.
- Invoices, bills and receipts can come in from the client. A named person approves before anything is posted to the books. Nothing posts on its own.
- Firms lead the move to AI, and help their clients adopt it in the finance work they already trust you to do.
The Milōn Method
Four pillars. One financial picture.
Milōn looks at the four forces that determine the financial health of a business.
Profitability
Is the business actually making money, and what is driving its profitability?
Gross margin, net margin, EBITDA, return on equity and the underlying drivers.
Demo81
Cash Flow
Is cash coming in and going out at a rate the business can sustain?
Operating cash, working capital, cash conversion, DSO, DPO and a 13-week forecast.
Demo61
Asset Productivity
How effectively is the business using the assets and working capital it already has?
Inventory turnover, fixed-asset efficiency and working-capital performance.
Demo74
Financing & Solvency
How is the business funded, and how much financial pressure is that creating?
Debt, interest cover, gearing and solvency.
Demo82
Calculated on every upload
Net MarginOperating MarginGross MarginReturn on EquityReturn on AssetsAsset TurnoverEquity MultiplierInterest BurdenTax BurdenDays Sales OutstandingInventory DaysDays Payable OutstandingWorking Capital DaysFixed Cost RatioDegree of Operating LeverageTop-5 Customer ShareGross Profit / LaborSales-per-Employee RatioOCF / EBITDA
The finance functionSmall businesses have the numbers.
Small businesses have the numbers.
Large businesses have the finance function.
A small business can have the same financial statements as a large company without having the finance team behind them to interpret those numbers, spot problems early, forecast cash, and turn analysis into action.
Milōn gives accountants a way to install that capability for their clients: an AI finance team that does the heavy analytical work, while the accountant stays in control of the advice.
One shared workspace: AI prepares the analysis, and the accountant reviews and signs off. The size of the business should not decide the quality of the financial information available to it.
Milōn Financial Manager
Runs the team. Keeps the books data clean from QuickBooks, Xero or Sage, holds the 13-week cash view and the budget, and lines up the action points. The month-end pull and the hand-off pack come off the accountant's plate, so the review starts from a prepared file. Clients see the cash picture while they can still use it. You review and approve the hand-off.
Milōn Analyst
Explains the health score, the ratios and the variances as a diagnosis: why margins moved, and where cash is leaking. The accountant no longer rebuilds that story for every client. The time in the workings becomes a review the client can follow. The client hears why the numbers moved.
Milōn Advisor
Writes the next moves and the advisory deliverables so they are ready for sign-off. The accountant edits and approves instead of drafting from scratch, and the client gets advice they can trust because the firm stayed in control. Ready for your sign-off.
Pricing for firms
Flat USD pricing by active clients, Starter to Scale.
One monthly price, set by how many clients you actively advise. Start on Starter and move up a band as your client list grows.
Starter
Up to 5 active clients
$39/moabout $8 per client
Solo
Up to 15 active clients
$99/mo
Growing
Up to 50 active clients
$249/mo
See all plans
Starter
Up to 5 active clients
$39/moabout $8 per client
Solo
Up to 15 active clients
$99/mo
Small
Up to 25 active clients
$149/mo
Growing
Up to 50 active clients
$249/mo
Established
Up to 75 active clients
$349/mo
Larger
Up to 125 active clients
$499/mo
Advanced
Up to 200 active clients
$649/mo
Scale
Up to 500 active clients
$999/mo
- Talk to us
Enterprise
Unlimited · Custom
| Band | Active clients | Monthly | Start |
|---|---|---|---|
| Starter | Up to 5 | $39/moabout $8 per client | |
| Solo | Up to 15 | $99/mo | |
| Small | Up to 25 | $149/mo | |
| Growing | Up to 50 | $249/mo | |
| Established | Up to 75 | $349/mo | |
| Larger | Up to 125 | $499/mo | |
| Advanced | Up to 200 | $649/mo | |
| Scale | Up to 500 | $999/mo | |
| Enterprise | Unlimited | Custom | Talk to us |
Questions
Straight answers, before you sign up.
Does Milōn replace the accountant?
No. Milōn works alongside your accountant. The AI team prepares the analysis, the cash view and the recommendations, and a qualified accountant reviews and approves every advisory pack. The client gets advice they can trust, and the firm keeps control. Milōn is not an accounting ledger, audit, CPA opinion, or regulated financial advice service.
Do I need QuickBooks or Xero to use Milōn?
No, you do not need QuickBooks or Xero to use Milōn. When the books are already there, connect QuickBooks, Xero or Sage, and Milōn reads the profit and loss and balance sheet. You can also upload a P&L and balance sheet as a PDF, Excel file, or CSV, or upload a bank statement.
What does it cost?
Flat USD bands by active client count, from Starter at $39/mo for up to 5 clients to Scale at $999/mo for up to 500. Annual billing is about 20% off, and Enterprise is a custom quote. Business owners pay $39/mo, or nothing when their accountant is on Milōn.
What does the AI finance team do, and what's left to me?
Milōn Financial Manager runs the team: clean books data from QuickBooks, Xero or Sage, the 13-week cash view, the budget, the action points, and the hand-off to you. Milōn Analyst turns the health score, ratios and variances into a diagnosis of why margins moved and where cash is leaking. Milōn Advisor writes the next moves and the advisory deliverables, ready for sign-off. That prep comes off your plate. You review, edit and approve every pack, so the client gets advice they can trust.
What happens when the trial ends?
After day 14 the band you chose starts billing. You keep the same workspace, the same clients, and the packs your accountant has already approved.
More questions: all questions · or email hello@milonfinance.com
Create a firm accountAccountants first.
Accountants first.
AI prepares; you sign off.
Business owners pay $39/mo, or nothing when their accountant is on Milōn.