Montty Finance - Make CFO-level decisions in seconds
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Our mission is to reduce financial workload and make finance clear and easy. Montty is built on three principles: holistic, human-centered, and personal. We bring multiple financial functions into one platform, offer an AI assistant that talks in natural language, and deliver insights tailored to your own data. From AI receipt capture to seamless imports, Montty gives you accounting and intelligence together, all tailored to you.
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When a founder asks whether they can afford a new hire, is the AI pulling from a pre-built financial model template in the background, or is it dynamically constructing the logic from the user's own uploaded data each time? Because those two architectures have very different accuracy ceilings
@ritesh_bhakare1 Thank you for your question—it's a very interesting one. AI systems are guided by established safety frameworks, which ensure that responses are grounded in the specific context and inputs provided by the user. At the same time, they take into account widely accepted practices within the relevant domain.
As a result, each response is tailored to the individual query rather than drawn from a fixed or prewritten source. Instead, the system relies on a structured approach to generate clear, relevant, and thoughtful answers.
Congrats on the launch! The logo and branding are very slick and well-done. The AI Chatbot is also really helpful in smoothening the struggles of a business owner that cant manage all at once. I wonder whether you are planning any bank integrations? E.g., a smb owner should be able to connect their account directly rather than having to log their own expenses or income. Maybe this can make the product more native and fluent for many.
@36krzbrg Thanks. We recently considered Plaid and are looking forward to working with them. It is kind of the go-to for fintech products atm
If a user's expense pattern suddenly spikes in one category
say payroll doubles in a month
does Montty proactively flag that as an anomaly, or does it only surface insights when the user asks? The difference between reactive and proactive intelligence is huge for your core use case.
@mn_digital Great question, we are considering bringing an active screening for anomaly detection on ver 2.0.
The flow is very well taught. Adding customers has been made easy with multiple methods. But i think the crucial mistake for you could be positioning the app against really popular apps like xero and quickbooks as they already started ai support. also they are really cheap. Maybe try to find a way to integrate to tools people already use. Very good work overall, congrats.
@shady_broker I talked about this recently with my team too, and yes, I do think it is a very good market size but the trade-off is there are a lot of well-established players. Xero and Intuit have different requirements for how you read data but for an upgraded version of Montty, utilizing both of them for leveraged speed in workflow shall be considered. Thanks for the insights. I assume you are in this niche, or are around people who use such tools?
It’s been an incredible journey working alongside this visionary team to turn financial chaos into smart solutions! ⚡️
While focusing on Montty’s strategic growth and product vision, we’ve witnessed firsthand how to leave the clunkiness of traditional banking behind and transform data into real fuel. Finance is no longer just about security; it’s now holistic, personal, and human-centered.
What do you think is the biggest gap in modern finance? Looking forward to starting the conversation in the comments! 👇
The insight about local business owners logging data manually without knowing what to do with it is spot on - there's a massive gap between data collection and actual financial decision-making for small businesses. Making finance conversational through natural language queries removes a real barrier for founders who aren't accountants but still need to understand their runway and cash flow. @melikekaya what's the most common financial question you're seeing small business owners ask Montty first when they start using it?
@marcelo_farr The group of local business owners we have as early testers was initially shocked at the receipt capture feature as they were logging all data by hand one by one, haha :D
I think the primary focus was on killing the pain of this manual labour for them.
Besides this, the usual interest seems to be around edge cases, where users try to mess around with the AI assistant to see if it will fold under confusing financial dilemmas. It is very interesting to see the feedback we are getting from the chatbot! Thanks for this question!
Congratulations,@melike_kaya. The tagline (Finance for Founders, No Accounting Degree) is a great hook for founders.
I analyzed the homepage and saw something worth mentioning.
You have a freemium plan and a Pro plan with a special offer for PH. That's awesome.
But this is what grabbed my attention. The pricing section is clear... but the value of what founders actually get is buried. "Chat with your AI CFO" and "financial health score" are your strongest features. They tell a founder what they really get: peace of mind. Right now those features are listed under "what's coming."
And a founder scrolling might think it's not ready yet.
So I suggest you to move those up. Let them see the real value before they hit pricing.
Took a screenshot to show what I mean and attached below.
@taimur_haider1 Thanks a lot for your commentary and valuable suggestion. It makes sense as our target segment is those who look for tools on startup finance and founders themselves. Will do!
@melike_kaya Glad it helped, Melike. Excited to see the update.
Does the AI CFO retain context across sessions like if I told it last week that I'm planning a fundraise in Q3, does it factor that into this week's runway answer? Or does each conversation start cold?
@weebinsider Actually, no convo starts cold, as it is always based on your personal conditions and current data at hand. But the bot has a clear memory of previous financial concerns and goals, and can deliver a cogent roadmap on a recent question, with prior insights being a coefficient on the verdict.
When Montty gives a forecast, does it surface any confidence interval or uncertainty range like 'your runway is 14 months, but could be 11-17 depending on churn variance'? Or is it always a single point estimate? Because a false precision problem could seriously mislead a founder.
@isjiwnani Hey, great question. I understand why this would be a matter of concern. There is no built-in framework to calculate runway with an added buffer or to anticipate higher or lower churn rates, but it can certainly be added for better foresight. The demo version currently uses anticipated cash flow, not churn.
Thanks for the idea!