Know your cash cushion.
Safeguard your business.
Check it weekly.
For UK business owners using Xero with 2-20 employees. See your cash cushion, your risk rating, and what you can do this week to stay on top of your finances, in about a minute.
See my cash cushion14 days free · no card · read-only.
- Cash in bank
- –
- Net cash
- –
- Cost base
- –
- Cushion (months)
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Five different businesses, the same cost base, different cash balances, very different cushions and risk level. Which best describes your business?
Built by Ciaran O'Donnell, CFO of the Year (British Accountancy Awards 2019) and 3x Accounting Excellence finalist.
Own Your Numbers is read-only and UK-hosted.
You can have your briefing sent to your desktop, laptop, mobile or WhatsApp. Share it with your accountant or bookkeeper, or have them share it with you.
Founders who trust Ciaran with their numbers
You ought to know your cash cushion. You probably don't.
It's Monday morning. Do you have three months' cash cushion, or three weeks'? You don't know. Your bookkeeper or accountant shares some reports three weeks after month-end, but they don't flag your cash or net cash, or what you can be doing to manage or improve it. Because of this you only look at revenue and profit, not what's in your bank, who you owe and who owes you. The one number that tells you the truth is your cash cushion.
Connect once. A briefing every week.
Connect Xero, read-only
Sign in with Xero and authorise a read-only connection. OYN can't create, edit or post anything in your books, ever.
OYN reads your numbers
Cash, debtors, bills and reports, analysed the way a real finance director would. Raw data is discarded after each run.
Get your one-minute briefing
Your cash cushion in months, a risk rating, the debtors to chase, the bills coming up, and the five things to do this week.
Not more numbers. The one that matters.
Know your cash cushion in months
Your cash cushion: how long your cash lasts at your current burn.
A risk rating, low to critical
Whether you're safe or need to act this week. No spreadsheet, no jargon.
The debtors to chase, bills coming
Who owes you and what's due, so a cash gap surfaces while it's still cheap to fix.
Five things to do this week
A decision, not a dashboard.
Read-only and private
OYN can't touch your books. Your data is read on demand, discarded, and never used to train any AI.
A real FD, and a room to learn in
Shaped by Ciaran O'Donnell, with a founder community and weekly cash session at Skool.
The calm of knowing where you stand.
"In a year of serious complexity, it's been completely calm. That is worth more than any number on a spreadsheet."
"The biggest impact is peace of mind."
"The metric I would use is the fact that I sleep far better now."
"He makes this world of accounting and finance easy, organized, and most of all, you stop panicking."
"Everything is just so slick, everything runs like clockwork."
"We know our numbers in a format that is easy to understand."
Ciaran O'Donnell
FD/CFO of the Year 2019 (British Accountancy Awards); three-time Accounting Excellence Awards finalist (2023, 2024, 2026). 100+ startups since 2010, longest client 11 years and counting. Seen it at every scale: 4-person teams to a $200m+ raise, a £33m exit, and £520k-a-month burn.
OYN's own reviews are being built with our founding cohort. The fastest proof is your own numbers: see your first briefing free.
See it on your own numbers first.
14 days free, no card. Prices ex-VAT.
Founder
£79/mo · £65/mo billed annually
Weekly cash-flow briefing for owner-operators. Up to 3 Xero organisations.
- One-minute weekly briefing
- Cash, net cash & cash cushion in months
- Risk rating
- Debtors to chase & bills coming up
- Five prioritised actions
- Read-only, can't touch your books
- Share access with your team or accountant
- Founder community + education at Skool
- 14-day free trial
Advisor
£199/mo · £165/mo billed annually
For accountants & multi-company owners. Up to 10 Xero organisations.
- Everything in Founder
- Up to 10 Xero organisations
Custom
Contact us
More than 10 organisations? Tailored pricing for larger portfolios.
- Everything in Advisor
- Priority support
The questions owners actually ask.
Can OYN change anything in my Xero?
No. It's read-only by design. It can't create, edit, approve or post anything, ever.
Do you store my data or train AI on it?
No. Your Xero data is read on demand to build each briefing, then discarded. It's never used to train any AI model. The analysis runs on Google Cloud in the UK.
What do I actually get in the free trial?
Your first real briefing on your own numbers, in minutes. 14 days free, no credit card to start. We only ask for a card if you continue.
Can I connect more than one company?
Yes. Up to 3 Xero organisations on Founder, up to 10 on Advisor, each with its own weekly briefing.
What if I want to leave?
Disconnect Xero or cancel in one click, any time. Disconnecting stops all access to your Xero immediately.
Who's behind it?
Ciaran O'Donnell, a fractional FD/CFO and CFO of the Year 2019. The analysis is shaped by 16 years keeping founders' cash safe.
See your cash cushion before you spend a penny.
See my cash cushion14 days free · no card · read-only.
Read-only by design · your data never trains AI · Google Cloud UK.