For QuickBooks, Xero and NetSuite
Cash flow analysis, done by Claude or ChatGPT
Ask where last month's cash came from and where it went. You get the analysis from your own books, with the reasons. Then ask about any number.
Kipper MCP Analyze our cash flow for last month
- Asking Kipper for last month's cash flow statement…
- Splitting it into operating, investing and financing…
- Comparing each part with July…
- Working out what moved the total…
Cash rose $28,700 last month. Operating cash grew for the third month running, to $52,400. The total rose less than July's because you bought $18,700 of equipment.
Cash Flow Analysis Open Cash Flow Analysis
August · QuickBooks
Where the cash came from and went
Why is operating cash lower than profit?
- Kipper is reading last month's profit and loss…
- Pulling the change in unpaid invoices and bills…
- Adding back depreciation…
- Lining it up with operating cash…
Customers owe you $12,600 more than a month ago. That's profit you've earned but haven't collected yet. Depreciation and bills paid later add some back.
| Last month | |
|---|---|
| Net profit | $58,200 |
| Depreciation, added back | +$3,800 |
| Unpaid invoices rose | -$12,600 |
| Unpaid bills rose | +$3,000 |
| Operating cash flow | $52,400 |
Show me operating cash flow for the last six months
- Asking Kipper for six months of cash flow statements…
- Taking the operating total from each one…
- Lining the months up…
- Checking which months moved most…
Up from $31,200 in March to $52,400 last month. May is the one dip: customers paid more slowly that month.
Operating Cash Flow Open Operating Cash Flow
Mar to Aug · QuickBooks
Operating cash flow, by month
What's our free cash flow?
- Kipper is reading operating cash and equipment bought…
- Taking the equipment away from operating cash…
- Doing the same for July…
- Marking which figure is mine…
$33,700 last month. July's was $48,600, when you bought almost no equipment. The first two rows come from your books. The last is my arithmetic.
| Last month | |
|---|---|
| Operating cash flow · from your books | $52,400 |
| Equipment bought · from your books | -$18,700 |
| Free cash flow · my arithmetic | $33,700 |
Why did cash fall in May?
- Asking Kipper for May's cash flow statement…
- Comparing it with April…
- Reading the financing section line by line…
- Separating one-offs from the usual month…
You paid $30,000 off the loan early, on top of the usual $5,000. Operations still brought in $33,900. Without the early payment, cash would have risen $21,400.
| May | |
|---|---|
| Operating activities | +$33,900 |
| Investing activities | -$7,500 |
| Financing activities | -$35,000 |
| Net change in cash | -$8,600 |
ChatGPT can make mistakes. Check important info.
A recorded example. Open the interactive demo to ask your own questions.
What it is
What is cash flow analysis?
Cash flow analysis looks at the cash that came into a business and the cash that went out. It splits the total into three parts. That shows where the money came from, and where it went.
Operating activities
Running the businessCustomers paying you, and you paying suppliers, staff and rent. It's the part to watch most.
+$52,400 last month, in the sampleInvesting activities
Things you'll keepBuying equipment, vehicles or software you'll use for years. Selling them brings cash back.
−$18,700 last month, in the sampleFinancing activities
Loans and ownersBorrowing, paying loans back, and money put in or taken out by owners.
−$5,000 last month, in the sampleNet change in cash = operating + investing + financing. In the sample, that's +$28,700.
Cash flow analysis example
See a cash flow analysis built from real books
One month of cash for a sample business on QuickBooks, analyzed by Claude. Ask for the same on your own numbers.
Cash Flow Analysis Open Cash Flow Analysis
August · QuickBooks
Operating cash flow
$52,400
Free cash flow
$33,700
Net change in cash
+$28,700
Cash in the bank
$486,700
Where the cash came from and went
Cash vs profit, by month
Operating cashNet profitFrom net profit to operating cash
- Net profit $58,200From the P&L
- Depreciation +$3,800Not a cash cost
- Unpaid invoices rose -$12,600Not collected yet
- Unpaid bills rose +$3,000Not paid yet
- Operating cash $52,400Cash from the business
What stands out
- Operating cash rose for the third month running, to $52,400.
- $18,700 went on equipment, a one-off. Without it, cash would have risen $47,400.
- Customers owe $12,600 more than a month ago. That's profit not yet in the bank.
- Cash in the bank reached $486,700, the most in six months.
Ask for your own cash flow analysis
Try it on a sample company's books in the interactive demo. Or book a call, and we'll set it up with you.
How it works
From your books to a cash flow analysis in four steps
Connect your accounting system once. Then ask for a cash flow analysis whenever you need one. Kipper returns the figures from your books. Claude or ChatGPT does the analysis.
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Read-only
1Connect your accounting system
One read-only connection to QuickBooks, Xero or NetSuite. Your books stay exactly as they are.
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Claude 
ChatGPT 2Add Kipper to Claude or ChatGPT
Kipper shows up as a tool inside the assistant you already use. There's no new tool to learn.
- Cash flow · last monthOperating activities +$52,400 Investing activities −$18,700 Financing activities −$5,000 Net change +$28,7003
Kipper returns your cash figures
Your cash flow statement, your profit and loss, and what customers and suppliers owe.
- Operating cash · six monthsMarAprMayJunJulAug4
Your assistant does the analysis
Claude or ChatGPT compares the months, works out the ratios and explains what moved. Ask about any line.
We can set it up with you
Book a free onboarding call. We'll connect your accounting system with you. Then you ask for your first cash flow analysis.
Side by side
Compared with the cash reports in your accounting system
Your accounting system already has cash reports, and your finance team relies on them. Kipper reads the same books, so you can ask about them from Claude or ChatGPT.
Your finance team, inside your accounting system.
Anyone you give access to, from Claude or ChatGPT.
Open the report, then look into each line.
Ask why a number moved, and get the reason in a sentence.
Run the report for each month, then line them up.
Ask for six months side by side.
Work them out in a spreadsheet.
Ask for free cash flow or cash flow margin.
Your accounting system, where your books live.
The same figures, read-only. Nothing is copied or changed.
Profit vs cash
Why cash and profit don't match
Profit counts a sale when you invoice it. Cash counts it when the customer pays. So a profitable month can still leave less in the bank.
Claude or ChatGPT builds this bridge from figures Kipper returns: your profit and loss, and what customers and suppliers owe.
From net profit to operating cash · last month
Step by step
How to do a cash flow analysis
Five checks, in order. Each one comes with a question you can ask Claude or ChatGPT.
- 1 Start with operating cash Is the business itself bringing cash in? Look at six months, not one. Show operating cash flow for the last six months.
- 2 Compare it with net profit Cash well below profit means money is stuck in unpaid invoices or stock. Why is operating cash lower than profit?
- 3 Check what customers and suppliers owe Unpaid invoices that keep growing slow cash down. So do bills paid early. How much more do customers owe than a month ago?
- 4 Work out free cash flow Take equipment spending away from operating cash. What's left can be saved, invested or used to pay debt. What's our free cash flow?
- 5 Take out unusual payments A loan paid early or a big purchase can hide a good month. Set them aside before you judge the trend. Were there any one-off payments last month?
Cash flow ratios
Cash flow ratios to check
Three numbers sum up most cash flow analyses. Claude or ChatGPT works each one out from figures Kipper returns.
Free cash flow
Operating cash flow − capital spendingWhat's left once the business is running and you've invested in it.
In the sample: $52,400 − $18,700 = $33,700Cash flow margin
Operating cash flow ÷ revenueHow much of each dollar of sales turns into cash.
In the sample: $52,400 ÷ $555,800 = 9.4%Cash to profit
Operating cash flow ÷ net profitClose to 1 means profit is turning into cash. Well below 1 means it's getting stuck.
In the sample: $52,400 ÷ $58,200 = 0.90See it on your own numbers
Start free, connect QuickBooks, Xero or NetSuite, and ask where your cash went.
Who asks
Ask where the cash went
Owners, operations leads and sales leaders can check cash from Claude or ChatGPT. So can the firms that keep their books.
Where did our cash go last month?
Cash rose $28,700. $18,700 went on new equipment, and $5,000 on the loan.
How much have we spent on equipment in the last six months?
$51,600. Over a third of it was last month.
Are customers paying us more slowly?
A little. Unpaid invoices rose $12,600 last month, and sales barely grew.
Which month did this client's cash fall?
May, by $8,600. They paid $30,000 off a loan early.
Follow-up questions
Ask about any line or any month
Narrow it to one section, one month or one figure. Here's one conversation, in order.
Which month brought in the most operating cash?
Last month, at $52,400. March brought in the least, at $31,200.
What did we pay on the loan in the last six months?
$60,000. That's $5,000 a month, plus $30,000 paid off early in May.
Is free cash flow growing?
Mostly. It went from $24,800 in March to $48,600 in July. Last month's equipment took it to $33,700.
What if we hadn't bought the equipment?
Cash would have risen $47,400 last month, not $28,700.
Both assistants
Use Claude or ChatGPT: Kipper works with both
Your team can use Claude or ChatGPT to analyze cash and ask follow-up questions. Either way, the figures come straight from your books. Click a card to see it in the demo.
Kipper MCP Analyze our cash flow for last month
- Asking Kipper for last month's cash flow statement…
- Splitting it into operating, investing and financing…
- Comparing each part with July…
- Working out what moved the total…
Cash rose $28,700 last month. Operating cash grew for the third month running, to $52,400. The total rose less than July's because you bought $18,700 of equipment.
Cash Flow Analysis Open Cash Flow Analysis
August · QuickBooks
Where the cash came from and went
Why is operating cash lower than profit?
- Kipper is reading last month's profit and loss…
- Pulling the change in unpaid invoices and bills…
- Adding back depreciation…
- Lining it up with operating cash…
Customers owe you $12,600 more than a month ago. That's profit you've earned but haven't collected yet. Depreciation and bills paid later add some back.
| Last month | |
|---|---|
| Net profit | $58,200 |
| Depreciation, added back | +$3,800 |
| Unpaid invoices rose | -$12,600 |
| Unpaid bills rose | +$3,000 |
| Operating cash flow | $52,400 |
Show me operating cash flow for the last six months
- Asking Kipper for six months of cash flow statements…
- Taking the operating total from each one…
- Lining the months up…
- Checking which months moved most…
Up from $31,200 in March to $52,400 last month. May is the one dip: customers paid more slowly that month.
Operating Cash Flow Open Operating Cash Flow
Mar to Aug · QuickBooks
Operating cash flow, by month
What's our free cash flow?
- Kipper is reading operating cash and equipment bought…
- Taking the equipment away from operating cash…
- Doing the same for July…
- Marking which figure is mine…
$33,700 last month. July's was $48,600, when you bought almost no equipment. The first two rows come from your books. The last is my arithmetic.
| Last month | |
|---|---|
| Operating cash flow · from your books | $52,400 |
| Equipment bought · from your books | -$18,700 |
| Free cash flow · my arithmetic | $33,700 |
Why did cash fall in May?
- Asking Kipper for May's cash flow statement…
- Comparing it with April…
- Reading the financing section line by line…
- Separating one-offs from the usual month…
You paid $30,000 off the loan early, on top of the usual $5,000. Operations still brought in $33,900. Without the early payment, cash would have risen $21,400.
| May | |
|---|---|
| Operating activities | +$33,900 |
| Investing activities | -$7,500 |
| Financing activities | -$35,000 |
| Net change in cash | -$8,600 |
ChatGPT can make mistakes. Check important info.
Connect once, then ask from either one
Read-only access to QuickBooks, Xero or NetSuite, with the same permissions behind each.
Good to know
What to know before you connect it
Every figure traces to your books
Ask which lines make up a number, and you'll see each one, straight from your accounting system.
Kipper is read-only by architecture
It returns records and reports. Payments and bookkeeping stay in your accounting system, where your team already handles them.
You choose who sees what
Access is scoped by person, team or role. Each person sees what their job needs, and the rest stays with finance.
FAQ
Cash flow analysis questions
What people ask before they connect their books.
See where your cash went, from your own books
Connect QuickBooks, Xero or NetSuite once, read-only. Then ask Claude or ChatGPT where your cash came from and where it went. We'll help you set it up.
Xero
NetSuite
Read-only Audit-logged