Secure workspaceClient-scoped information only.
VibrantaAI Confidence Check™Waiting for the automatic portal setup check…
Your financial overview
My Money
Your last approved financial results, bank balances, and largest expenses.
No approved financial set loaded.
Balances recorded in your selected accounting system.
Bank accounts
Sign in to load balances from your connected accounting system.
Top 10 expenses
Approved expense detail is needed before amounts can be shown.
Plan ahead
Budget
Start with your monthly income, expenses, and savings goals.
Sign in to load and save your monthly budget.
Reserve coverage is a planning calculation based on your entries. It does not open an account or transfer funds.
Step 3 · Financial Diagnostic · Connections complete
VibrantaAI Financial Diagnostic™
Know whether your financial reports agree, what your cash can cover, and what your current tax estimate may require—before a small issue becomes an expensive one.
Books & reports
AttentionOne cash difference needs source evidence before the reports can be marked reconciled.
Cash coverage
CoveredIllustrative 13-week forecast remains above the $900K reserve target.
Tax position
Cannot calculateApproved year-to-date net income is only the starting point; entity, jurisdiction, adjustments, credits, and payments are still needed.
Compliance evidence
Cannot verifyAuthorized IRS account evidence and state tax-status documentation have not been provided.
Most important next action
Upload the statement ending July 31 so VibrantaAI can investigate the $12,780 cash difference. Accepted formats: PDF, CSV, or QBO. Do not email financial documents.
13-week cash outlook
Expected cash compared with the approved reserve target.
Expected cashReserve target
Tax estimate readiness
The liability appears only after the calculation has enough verified inputs.
When the inputs are verified, this panel will show estimated total tax, payments and credits, remaining liability, reserve recommendation, evidence date, assumptions, and professional review status.
Do the source records tie to VibrantaAI?
Every result shows the source, VibrantaAI amount, difference, evidence, and next action.
| Check | Client source | VibrantaAI | Difference | Evidence | Status |
|---|---|---|---|---|---|
| Trial balanceJuly 2026 | $3,842,000 | $3,842,000 | — | Imported trial balance | Tied |
| Bank cashStatement ending July 31 | $1,284,000 | $1,271,220 | $12,780 | Statement needed | Action required |
| Accounts receivableAR aging to general ledger | $684,000 | $684,000 | — | AR aging uploaded | Tied |
| Payroll taxesPayroll report to liability | $48,000 | $45,600 | $2,400 | Filing confirmation needed | Explain |
How the tax estimate is built
Net income is the starting point—not the final taxable amount.
Approved year-to-date accounting net incomeWaiting
Entity type and tax electionsNot confirmed
Federal, state, and local jurisdictionsNot confirmed
Book-to-tax additions and deductionsNot reviewed
Credits, carryforwards, and estimated paymentsNot verified
Estimated tax liabilityCannot calculate yet
Recommended reserveCannot calculate yet
Truth standard: the customer version must account for entity type, tax elections, jurisdiction, filing status, owner-level factors when applicable, permanent and temporary differences, credits, prior payments, and current law. It remains an estimate until reviewed against authorized evidence.
Official evidence status
Public records, authorized account evidence, and estimates stay visibly separate.
IRS business account evidenceBalances, payments, transcripts, notices, or compliance report
Not providedState tax account evidenceAuthorized account record, return confirmation, or clearance letter
Not providedEntity public recordState registration and annual-report status
Public record checkedLicenses and permitsIndustry and location-specific checklist
Client input neededA public government page cannot prove that the accounting books are accurate. VibrantaAI reconciles the books to source records, then compares applicable tax and compliance amounts with customer-authorized official evidence.
Immediate recommendations
Prioritized by urgency and financial impact; nothing is posted, filed, or paid automatically.
Upload the July bank statement
Needed to investigate the $12,780 cash difference · Owner: Customer · Due now
$12,780Action required
Confirm the payroll-tax filing total
Payroll report differs from the ledger by $2,400 · Owner: VibrantaAI + customer · Professional review required
$2,400Verify
Complete the tax-position profile
Confirm the entity, elections, jurisdictions, approved year-to-date net income, adjustments, credits, and payments before a liability is estimated
7 inputsClient + reviewer
Financial performance
Profit & Loss
Every material difference against budget, color-coded and explained in plain English.
Illustrative preview data · July 2026Actual vs. budget
Reasons appear directly beneath the affected account so nothing is hidden.
Romy™’s read
The largest pressure came from lower service revenue and higher contractor, marketing, travel, and professional-fee spending. Together, those five drivers explain $109,000 of the unfavorable variance. Review the underlying transactions before taking action.
| Account and reason | Actual | Budget | Variance | Variance % | Status |
|---|---|---|---|---|---|
| Revenue | $788,000 | $815,000 | ($27,000) | (3.3%) | Unfavorable |
| Service revenueTwo planned client starts moved into August, reducing July billings. | $720,000 | $750,000 | ($30,000) | (4.0%) | Unfavorable |
| Subscription revenueThree upgrades began earlier than forecast. | $68,000 | $65,000 | $3,000 | 4.6% | Favorable |
| Cost of revenue | $260,000 | $237,000 | ($23,000) | (9.7%) | Unfavorable |
| ContractorsExtra implementation coverage supported delayed onboarding work and a short-term capacity gap. | $230,000 | $210,000 | ($20,000) | (9.5%) | Unfavorable |
| Processing feesHigher card mix increased fees even though total revenue was below plan. | $30,000 | $27,000 | ($3,000) | (11.1%) | Watch |
| Gross profit | $528,000 | $578,000 | ($50,000) | (8.7%) | Unfavorable |
| Operating expenses | $638,500 | $586,500 | ($52,000) | (8.9%) | Unfavorable |
| PayrollOvertime, one new hire starting earlier than planned, and employee reimbursements drove the overage. | $390,000 | $380,000 | ($10,000) | (2.6%) | Unfavorable |
| SoftwareAnnual renewals landed in July; confirm whether any portion should be prepaid and amortized. | $48,000 | $45,000 | ($3,000) | (6.7%) | Watch |
| MarketingA campaign launch was accelerated from August into July. | $85,000 | $70,000 | ($15,000) | (21.4%) | Unfavorable |
| RentIn line with the approved monthly lease budget. | $18,500 | $18,500 | — | — | On plan |
| InsuranceIn line with the approved monthly budget. | $8,000 | $8,000 | — | — | On plan |
| TravelTwo unplanned client-site trips were approved during the month. | $24,000 | $15,000 | ($9,000) | (60.0%) | Unfavorable |
| Professional feesOutside legal and implementation support exceeded the original monthly estimate. | $38,000 | $25,000 | ($13,000) | (52.0%) | Unfavorable |
| Interest expenseMatched the debt schedule. | $5,000 | $5,000 | — | — | On plan |
| Taxes and licensesA state renewal was recorded one month earlier than planned. | $22,000 | $20,000 | ($2,000) | (10.0%) | Timing |
| Net income (loss) | ($110,500) | ($8,500) | ($102,000) | — | Unfavorable |
Today’s owner brief
Actions
Illustrative tasks · not a live client task list.
Only the items that need attention now; everything else stays out of the way.
Your three priorities
Ranked by urgency, financial impact, and due date.
Approve contractor invoice
Due today · matched to supporting documentation · owner confirmation required
$24,800Act now
Follow up on overdue customer invoice
17 days overdue · draft reminder is ready for your review
$41,500Act now
Review July marketing variance
$15,000 over budget because the August campaign launched early
$15,000Review
Value delivered
A short record of completed work, dollars identified, and risk prevented.
Liquidity
Cash & Forecast
Current cash, expected movement, reserve protection, and scenario planning.
Next 30 days
Expected inflows and commitments.
Customer collections
Open invoices expected within the forecast window
+$612,000
Payroll and taxes
Two payroll cycles plus scheduled payroll taxes
−$438,000
Approved vendor payments
Only approved or contractually committed items
−$342,000
Scenarios
Best, expected, and watch cases.
Expected
Current collection assumptions
$1.12M
Watch case
Collections delayed 15 days
$926K
Best case
All current receivables collected
$1.31M
Financial position
Balance Sheet
A clean summary first, with unusual account movements called out.
Movements requiring explanation
Accounts that changed materially or may need accounting review.
Accounts receivable increased
Driven by two large invoices issued late in July; both remain within terms.
+$118,000Watch collections
Prepaid software decreased
Monthly amortization was recorded according to schedule.
−$21,000Expected
Accrued expenses increased
July legal and contractor invoices were received after month end.
+$46,000Review support
Working capital & accruals
Receivables, Payables & Cash Needs
See who owes the business, how long amounts have been outstanding, what the business has accrued, and when those obligations are expected to require cash.
Illustrative preview until approved AR, AP, and payroll sources are connectedOutstanding receivables
Customer, invoice, amount, age, collection status, and next action.
| Customer / invoice | Due date | Days outstanding | Aging | Amount | Collection status |
|---|---|---|---|---|---|
| Northstar LabsInvoice 1048 · issued June 14 | July 14 | 47 days | 1–30 overdue | $41,500 | Reminder ready |
| Verde RetailInvoice 1029 · issued June 1 | July 1 | 60 days | 30 days overdue | $56,000 | Owner follow-up |
| Atlas HealthInvoice 1061 · issued July 3 | August 4 | 28 days | Current | $86,000 | Within terms |
| Current customer invoices12 approved invoices | August 5–30 | 1–26 days | Current | $500,500 | Monitor |
Payables and accruals
Expense timing, expected cash timing, and automatic reversal visibility stay separate so profitability and cash are not double counted.
| Obligation | Type / source | P&L period | Expected cash date | Reversal | Amount | Status |
|---|---|---|---|---|---|---|
| Accrued payrollGross wages earned through month end | Payroll accrual | July | August 2 | August 1 | $214,000 | Scheduled |
| Employer payroll taxesApproved payroll estimate | Payroll-tax accrual | July | August 5 | August 1 | $48,000 | Verify filing total |
| Benefits and retirementEmployee-benefit obligations | Payroll-related accrual | July | August 10 | August 1 | $22,000 | Supported |
| Implementation PartnersJuly contractor coverage | Vendor accrual | July | Upon approval | When bill posts | $24,800 | Owner approval |
| Legal and professional feesWork completed; invoice pending | Other accrual | July | August 15 | When bill posts | $18,400 | Invoice needed |
| Annual incentive estimateYear-to-date earned portion | Compensation accrual | July YTD | Q1 2027 | At annual payout | $63,800 | Longer-term |
Profitability included now
Amounts recognized in the current P&L regardless of when cash moves.
Current-period accruals
Payroll, taxes, benefits, contractors, and professional fees
$327,200Included in July expense
Longer-term compensation
Earned portion recognized without treating it as August cash
$63,800Future cash need
Expected cash needs
Timing view used by cash planning, without adding the expense a second time.
Next 14 days
Payroll, payroll taxes, benefits, and approved/expected bills
$327,200
Expected collections
Current invoices expected within the next 30 days
$612,000
Owner control
Approvals
Nothing consequential becomes final without a named approver and explicit confirmation.
Awaiting your decision
Evidence and recommendations remain reviewable before approval.
Implementation Partners · Invoice IP-729
Three-way match complete · contractor coverage for July implementations
$24,800Due today
Marketing budget adjustment
Move $15,000 of approved August campaign budget into July
$15,000Review
Owner decisions
Decision Room
The financial choices most likely to improve profit, reduce waste, or protect cash.
Best next decisions
Each recommendation shows the assumption, financial impact, evidence, and required approver.
Make money · convert eligible accounts
Three current clients fit the subscription-upgrade profile. Validate eligibility before outreach.
+$4,500/moOpportunity
Save money · consolidate software
Two overlapping tools appear to serve the same workflow. Contract review is required.
Up to $3,000/moValidate
Protect cash · hiring scenario
A planned hire keeps the watch-case forecast above reserve only if collections stay within 15 days of plan.
$926K low pointConditional
Accounting work
Projects
Owners, milestones, due dates, progress, and blockers in one simple list.
July close
Owner: VibrantaAI team · 8 of 10 milestones complete
80%On track
2027 operating budget
Owner: Matt · department assumptions still needed
35%Input needed
Sales-tax review
Owner: VibrantaAI team · nexus evidence collection
60%Due Aug 12
Deadlines and exposure
Tax & Compliance
Open deadlines, estimated obligations, filing status, and professional-review requirements.
No urgent deadline
Published deadlines will appear here with jurisdiction, due date, status, source freshness, and the person responsible.
Secure vault
Documents
Statements, reports, tax support, and requested documents—organized by purpose.
Update portal financials
Upload a completed budget-versus-actual CSV. It will be scanned, checked, and held for your review before anything changes.
Review before publishing
Confirm that the totals and variance explanations match the approved report.
| Account and reason | Actual | Budget | Variance | Variance % | Status |
|---|
Publishing changes only this portal report. It does not modify QuickBooks, payroll, banking, bills, or payments.
Protected communication
Secure Messages
Client-specific financial conversations stay inside the protected portal.
No unread secure messages
Financial reports and sensitive client details should be shared here instead of ordinary email.
Source health
My Connections
See which systems are connected, when they last updated, and how they support one owner-ready financial picture.
Everything working together
Checking approved read-only sources…
Accounting systemChecking connection freshness…
PayrollProtected read-only analysis; no payroll-changing authority
Secure documentsFiles must clear private malware scanning before use
Approved budgetsOwner-approved assumptions remain visible beside actual results
VibrantaAIMatches approved sources, checks integrity, explains differences, and preserves owner control
P&L vs budgetActual results, differences, colors, and written reasons
Cash & obligationsAvailable cash, payroll, receivables, and upcoming commitments
Close & reportsWhat is complete, what is missing, and what the owner needs next
Romy™ guidancePlain-English explanation, evidence, and the next safe action
VibrantaAI reads only approved sources for this portal. It does not move money, alter payroll, post accounting entries, or file returns from this view.
Accounting system
Waiting for the approved connection list…
Checking
Confidence status
Automated completeness and integrity for the latest approved reporting period
CheckingUse Test now above to rerun
Month-end close
Close Checklist
Verified report evidence and the remaining close requirements for the latest approved reporting period.
Close plan
Report checks verify the imported P&L. Reconciliation, final sign-off, and package completion require separate evidence.
Loading close evidence…
Romy™’s suggested next step
Checking the approved reporting period…
Complete the close review
Attach the period’s supporting documents, enter reconciliations, and record your review. Document contents and financial-statement tie-outs require your inspection.
Choose the reporting month, then load its workpapers.
Owner report center
Financials
The financial reports an owner needs most—organized by decision, explained in plain English, and connected to the source that makes each report reliable.
What are you trying to answer?
Choose a business question and Romy will identify the report, supporting information, and next safe action.
Recommended for your business
Start here. Favorites and search keep the complete library easy to use.
Video & Practice Library
Romy Academy™
Watch a short guided lesson, then practice the task safely with fictional information before using the live portal.
Start here
The complete first-day journey from account creation through connected reports and a completed Confidence Check.
Complete VibrantaAI Account & Portal Journey
Company overview · protected account · personalization · connections · uploads · Confidence Check · close · reports
About 3 minutes
Why VibrantaAI was built differently
See the sourced finance-software frustrations that shaped the portal—and the feature created to answer each one.
Read the proofYou spoke. We listened.™
Short lessons and safe practice
Practice mode uses fictional records and cannot change the client’s live accounting, payroll, documents, approvals, or reports.
Create and protect your account
Password, two-factor verification, company assignment, roles, and access.
Connect your financial systems
Choose a provider, authorize read-only access, return, and confirm freshness.
Upload a report and run the scan
Use the template, review the rows, approve the P&L, watch all 11 checks, and rerun Test now.
Play with your budget in a sandbox
Copy the approved budget into a no-save sandbox, change assumptions, and see the effect on projected profit.
Understand receivables, accruals, and cash needs
Read days outstanding, aging, payroll accruals, reversals, cash timing, and profitability impact.
Complete the month-end close
See what is complete, what is missing, who owns it, and accept Romy™’s suggested next step.
Choose the right business report
Find the P&L, cash forecast, balance sheet, aging, profitability, payroll, close, and compliance reports.
Practice & Learn Mode
Practice task
Fictional information only. Nothing here can change your live portal.
Choose an answer or complete the sample step. Romy will guide you if you get stuck.
Your personalized workspace
Customize My Romy Experience™
Personalize Romy and your portal without changing financial facts, security, approvals, or accounting safeguards.
Romy™
Choose how Romy looks, speaks, and delivers your owner briefing.
Portal
Keep the everyday workspace as simple or detailed as you prefer.
Main pages
My Connections · My Money · Budget · Close Checklist · Financials · Actions
When I Want Updates
Choose what interrupts you, what waits for the briefing, and who receives each update.
Urgent financial alertsImmediately for cash, fraud-risk, payment, or filing issues
Daily owner briefingYour priorities, completed work, and decisions
Weekly financial summaryP&L movement, cash outlook, and open items
Update Rules
Set the level of importance that should trigger a separate notification.
People, Company Roles & Portal Access
The account owner decides who may enter the portal, what each person may see, and whether they can approve anything.
MattAccount owner
Full owner accessPreview customization: these controls demonstrate the client experience in this browser. Secure account-wide saving across devices will be connected only after the client-preferences record and access protections are approved.
Named user access
Each user receives their own protected seat and activity trail.
Owner controlled
Approval chain
Consequential actions require the assigned approver.
Active