Kalends

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Curated KPIs and Visualizations

CFO-honed KPIs and data visualizations. Your accounting software is terrible at data visualizations. We fixed that.

Revenue

$1,860,000

▲ $120,000 · 6.9% favorable

$1,740,000 previous month

Gross profit

$1,097,400

▲ $88,200 · 8.7% favorable

$1,009,200 previous month

Operating profit

$279,000

▲ $52,800 · 23.3% favorable

$226,200 previous month

Cash at bank

$2,486,000

▲ $176,000 · 7.6% favorable

$2,310,000 previous month

Revenue — last 12 periods

$1,860,000Latest month

Revenue bar chart for the last twelve monthsMonthly revenue bars rise from $1,220,000 in August to $1,860,000 in July, with a small dip in January.Aug: $1,220,000Sep: $1,280,000Oct: $1,310,000Nov: $1,360,000Dec: $1,420,000Jan: $1,390,000Feb: $1,480,000Mar: $1,530,000Apr: $1,610,000May: $1,670,000Jun: $1,740,000Jul: $1,860,000

Operating expense category distribution

Operating expense distributionOperating expenses total $818,400 across people and benefits, sales and marketing, product and technology, general and administration, and facilities and occupancy.

$818,400Operating expenses

Share of operating expense

  • People & benefits$392,800 · 48%
  • Sales & marketing$163,700 · 20%
  • Product & technology$130,900 · 16%
  • General & admin$81,800 · 10%
  • Facilities & occupancy$49,200 · 6%

VTO — three-year plan against actual

$20,950,000Year three target · 2026

▼ $30,000 · 0.6% behind plan in Q2 2026, the latest closed quarter

Quarterly revenue plan against actual, 2024 to 2026The three-year plan runs from $3,100,000 in the first quarter of 2024 to $5,700,000 in the fourth quarter of 2026, and is judged on the 2026 year total of $20,950,000. Ten quarters have closed. The shortfall against plan has narrowed from 17.3 percent in the third quarter of 2025 to 0.6 percent in the second quarter of 2026, leaving the latest closed quarter 0.6 percent behind plan and 2026 revenue $480,000 behind the pace the target needs.Q1 2024 plan: $3,100,000Q2 2024 plan: $3,300,000Q3 2024 plan: $3,550,000Q4 2024 plan: $3,800,000Q1 2025 plan: $4,000,000Q2 2025 plan: $4,200,000Q3 2025 plan: $4,450,000Q4 2025 plan: $4,700,000Q1 2026 plan: $4,850,000Q2 2026 plan: $5,050,000Q3 2026 plan: $5,350,000Q4 2026 plan: $5,700,000Q1 2024 actual: $2,980,000Q2 2024 actual: $3,120,000Q3 2024 actual: $3,240,000Q4 2024 actual: $3,330,000Q1 2025 actual: $3,410,000Q2 2025 actual: $3,540,000Q3 2025 actual: $3,680,000Q4 2025 actual: $4,090,000Q1 2026 actual: $4,400,000Q2 2026 actual: $5,020,000
PlanActualVariance

VTO — the Vision/Traction Organizer — is judged on one number: revenue in the final year. Two quarters into 2026, $9,420,000 against $9,900,000 planned.

Revenue contribution & mix by business unit

$1,860,000July total

Revenue mix by business unit from April through JulyTotal monthly revenue rises from $1,610,000 in April to $1,860,000 in July. Core platform remains the largest contributor.April: $1,610,000May: $1,670,000June: $1,740,000July: $1,860,000
Core platformAdvisoryManaged reportingData services

Every detail was chosen by CFOs with decades of experience running reviews like these. Our results are curated by CFOs and CEOs — not generated by developers.

Every Account, Every Period, Total Recall

A single CFO has one lifetime of experience and only so much memory to draw from. A diverse bench of CFOs is rarely feasible. Kalends runs AI agents in parallel, scales them across every account and period, and retains the full history—bringing your business more perspectives, more review capacity, and total recall.

Detect

Rules scan every account and period before any agent sees the ledger.

Consensus reached · five independent seats · 99.4% confidence

Latest verified insights

July period · five findings ratified

Every finding below came out of the agent consensus model. Five independent seats read the same exceptions, the validation gate dropped what could not be sourced, and only ratified findings are printed here.

  • Gross margin

    59.0%

    ▲ 1.0 pt favorable

    The gain is mix, not price — the higher-margin line grew fastest in the book.

    Traced to four journal entries in cost of revenue

    Ratified

  • Operating margin

    15.0%

    ▲ 2.0 pt favorable

    Operating profit grew 23.3% on 6.9% more revenue — 3.4× the leverage.

    Operating expense rose $35,400 against $120,000 of new revenue

    Ratified

  • Cash at bank

    $2,486,000

    ▲ $176,000 favorable

    The whole increase is collections — no financing moved this period.

    Reconciled against the bank feed and the receivables subledger

    Ratified

  • Customer concentration

    23.6%

    ● threshold crossed

    One customer now carries $438,960 of the month.

    The concentration threshold is set at 20% of revenue

    Ratified

  • Year three pace

    4.8%

    ▼ $480,000 behind plan

    Two quarters into the final year, revenue is $480,000 short of the pace the $20,950,000 target needs, though the quarterly gap has closed from 17.3% to 0.6%.

    Q1 and Q2 2026 closed at $9,420,000 against $9,900,000 planned

    Ratified

Tools Where You Want Them

The review goes where the work already happens — the inbox you open first, and the chat client you keep open all day.

It arrives in your inbox

The period review is written the way a CFO writes one: the figures that moved, what moved them, and where each came from. Four headline numbers, the twelve-period trend, and the three findings that matter, in the order they matter.

KalendsMonthly review

July · period closed

July review: revenue $1,860,000, up 6.9% on June

Revenue

$1,860,000

▲ 6.9% favorable

Gross profit

$1,097,400

▲ 8.7% favorable

Operating profit

$279,000

▲ 23.3% favorable

Cash at bank

$2,486,000

▲ 7.6% favorable

Revenue — last 12 periods

Revenue for the last twelve periodsMonthly revenue rises from $1,220,000 in August to $1,860,000 in July, with one dip in January.Aug: $1,220,000Sep: $1,280,000Oct: $1,310,000Nov: $1,360,000Dec: $1,420,000Jan: $1,390,000Feb: $1,480,000Mar: $1,530,000Apr: $1,610,000May: $1,670,000Jun: $1,740,000Jul: $1,860,000

  • Revenue is $480,000 behind the year-three plan with two quarters closed.

    Q1 and Q2 2026 at $9,420,000 against $9,900,000 planned

  • One customer now carries 23.6% of revenue — the first time that threshold has been crossed.

    The concentration threshold is set at 20% of revenue

  • Gross margin improved 1.0 point to 59.0% — mix, not price.

    Traced to four journal entries in cost of revenue

Three things to raise, in the order they matter.

Sent when the period closes.

Or you ask it questions where you already work

Kalends answers from the same ratified review, inside the chat client you already have open. Ask for the period, ask for trailing twelve months, and the visual comes back as an artifact rather than a paragraph.

Claude — July period review

Pull my July review from Kalends and show me TTM revenue and EBITDA.

Claude
  • Kalends monthly_review
  • Kalends ttm_series

July revenue was $1,860,000, up 6.9% on June, and gross margin improved 1.0 point to 59.0% on mix rather than price. Across the trailing twelve months revenue is $17,870,000 and EBITDA $2,388,000 — a 13.4% margin, against 11.0% a year ago.

TTM revenue and EBITDA · artifact

TTM revenue and EBITDA

Artifact

Kalends

Revenue and EBITDA, August to July

TTM revenue

$17,870,000

TTM EBITDA

$2,388,000

EBITDA margin

13.4%

Trailing twelve month revenue and EBITDAMonthly revenue rises from $1,220,000 in August to $1,860,000 in July and EBITDA from $134,000 to $307,000, totaling $17,870,000 of revenue and $2,388,000 of EBITDA.Aug revenue: $1,220,000Sep revenue: $1,280,000Oct revenue: $1,310,000Nov revenue: $1,360,000Dec revenue: $1,420,000Jan revenue: $1,390,000Feb revenue: $1,480,000Mar revenue: $1,530,000Apr revenue: $1,610,000May revenue: $1,670,000Jun revenue: $1,740,000Jul revenue: $1,860,000Aug EBITDA: $134,000Sep EBITDA: $147,000Oct EBITDA: $157,000Nov EBITDA: $170,000Dec EBITDA: $185,000Jan EBITDA: $167,000Feb EBITDA: $193,000Mar EBITDA: $207,000Apr EBITDA: $225,000May EBITDA: $242,000Jun EBITDA: $254,000Jul EBITDA: $307,000
Revenue · left axisEBITDA · right axis

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