CFO Online vs Traditional CFO: understand the real cost, speed, scalability and strategic impact of each model. Discover why modern companies are replacing full-time CFOs with AI-powered financial platforms that deliver real-time insights, automated reports, cash flow forecasting, FP&A and executive dashboards at a fraction of the cost, without losing strategic control or governance.

X4Planner is a professional Financial Planning & Analysis (FP&A) SaaS designed to transform financial data into strategic business decisions in minutes. With AI-powered bank statement import, automatic reconciliation, Cash Flow management, structured P&L (GAAP & IFRS), KPIs, executive dashboards and exportable reports, X4Planner works like a CFO Online for companies worldwide. Cloud-based, desktop and mobile access, free trial available.

X4Plan offers the Smart Financial Spreadsheet, designed for personal and business use. Automate P&L and Cash Flow reports, import QFX/OFX bank statements, and visualize your finances with an interactive dashboard. Trusted internationally, with products on Etsy and Gumroad, X4Plan delivers intelligent, ready-to-use solutions that save time, reduce errors, and improve financial decision-making.