Start free. Upgrade when you need depth.
The core analysis is free forever — no account, no card, no catch. Paid plans unlock multi-year trend analysis, benchmarks, action plans, and the tools built for major decisions.
One trial per account.
Free
The honest diagnosis. No commitment.
- ✓P&L upload → plain English explanation
- ✓Three cost pillar balance diagnosis
- ✓Mode detection (Survive / Stabilise / Grow / Step back)
- ✓Ovrsight score against industry benchmarks
- ✓Runway calculator
- ✓Pricing problem flag
- ✓No account required
Clarity
Depth, trends, and prescriptions.
- ✓Everything in Free
- ✓2–3 year trend analysis — see the convergence pattern before it becomes a crisis
- ✓Balance sheet analysis — stock levels, debt position, working capital, director drawings
- ✓Industry benchmark scoring — how your numbers compare to businesses like yours
- ✓Mode-specific action plan — prescriptions for where you actually are, not generic advice
- ✓Cash flow survival tool — ranked payment priority when cash is stretched
- ✓Market shift detection — flag the slow bleed nobody notices
- ✓PDF export of your full report
- ✓7-day free trial — card required, cancel before day 8 and pay nothing
Card required. No charge for 7 days, then $49/month inc GST. Cancel before day 8 and pay nothing.
Command
For high-stakes decisions and ongoing intelligence.
- ✓Everything in Clarity
- ✓Scenario planner — what if revenue drops 20%? What if I hire two people?
- ✓Priority support
- ✓Point-in-time decision tools — see below
- ✓7-day free trial — card required
Card required. No charge for 7 days, then $149/month inc GST. Cancel before day 8 and pay nothing.
For the decisions that actually keep you up at night.
Included in Command. These aren't ongoing features — they're tools you run when you need them, for moments that carry real financial weight.
Sell — Exit preparation
- →Sell Readiness Score — owner dependency, customer concentration, recurring revenue %, documented systems
- →Indicative valuation range — industry multiple × normalised profit
- →What to fix list — ranked by valuation impact
Buy — Acquisition evaluation
- →Skeleton Finder — upload target P&L and run the acquisition lens diagnostic
- →Flags: normalised owner salary distortion, customer concentration, revenue quality, WIP inflation, related party transactions, lease obligations
- →Bank funding pitch builder — debt serviceability, normalised EBITDA, growth story formatted for credit assessors
Finance — Borrowing decisions
- →Funding Fit Check — honest assessment: are you ready to borrow, should you consolidate, or do you just need to chase your debtors?
- →Bank Preparation Tool (unlocks only if Funding Fit Check says ready) — formats your numbers the way a credit assessor thinks
Common questions
Do I need an account for the free analysis?
No. Upload your P&L, get your results. No account, no card, nothing.
What happens after the 7-day trial?
Your card is charged when the trial ends. Cancel any time in the first 7 days and you won't be charged. One trial per account.
What file types can I upload?
PDF exports from Xero, MYOB, QuickBooks, or any accounting software. We read the document directly.
Is my financial data secure?
Documents are stored in Australia (Supabase Sydney) and automatically deleted after 30 days. We don't share or sell your data.
Can I cancel anytime?
Yes. Cancel from your billing dashboard at any time. No lock-in, no penalty.
What's the difference between financial education and advice?
Ovrsight explains what your numbers mean. It doesn't tell you what to do in a professional advisory capacity — that's the distinction your accountant navigates too.
All prices in AUD and include GST. A GST invoice is issued for every transaction.
Benchmarks calibrated for the Australian market. International customers welcome.