A finance-savvy business partner and EA in one

Knowwhatmatters today

Meet Charlie — the AI partner for Australian business owners, plugged straight into your Xero and your Gmail. Charlie works your numbers around the clock and tells you what matters today. And when something needs doing, the email is already drafted — you review, you hit send.

Sign up with Xero See how it works
Plugs into Xero live numbers · read-only Gmail drafts ready · you hit send

Free for 3 months · No credit card · In your browser + iOS app

The Ask Charlie dashboard open in a desktop browser, showing total cash balance, month-to-date income and expenses, and an expense breakdown. The Ask Charlie dashboard open in a desktop browser, showing total cash balance, month-to-date income and expenses, and an expense breakdown.
Monitoring Xero ● Live — watching your back
Draft ready in Gmail Review · tweak · send
The same Ask Charlie dashboard on the iOS app.

Charlie knows what matters today, monitors your Xero, drafts emails to your Gmail, takes action on your behalf, is available 24/7 to brainstorm, and costs $35 a month with unlimited usage.

How Charlie thinks

Your Xero. Your context. Frontier AI.

Watch the flow: Charlie reads your live numbers, blends in your goals and industry, reasons over it with frontier AI — and what matters today lands in your app, with the first drafts already sitting in your Gmail.

Xero Live numbers · read-only Your context Goals · industry · website Charlie Frontier AI reasoning Pricing idea Margin up without churn Cost saving found Supplier spend drifting Draft in your Gmail Overdue invoice chased — you send Xero Live numbers · read-only Your context Goals · industry · website Charlie Frontier AI reasoning Pricing idea Margin up without churn Cost saving found Supplier spend drifting Draft in your Gmail Overdue invoice chased — you send
1 · ReadCharlie reads your live Xero numbers

Through a read-only connection.

2 · UnderstandYour goals, industry and website

Give the numbers meaning.

3 · ReasonFrontier AI models work the data

Like a sharp business analyst.

4 · ActWhat matters lands in your app — with drafts in your Gmail

You review, tweak and hit send.

Sits between Google and your accountant

Running a small business isn't easy — and most owners carry the thinking alone. Charlie gives you structured, data-informed ideas and a reliable sounding board, so you move from uncertainty to clarity.

Google

Generic answers that don't know your business, your industry, or your numbers.

Charlie

Always-on partner that knows what matters today — grounded in your Xero, with the follow-up already drafted in your Gmail. $35/month.

Your accountant

Formal advice for tax, compliance and structuring. Charlie complements them — never replaces them.

Two jobs. One Charlie.

A partner's brain. An EA's hands.

Most owners pay for the thinking and still do the follow-through themselves. Charlie does both jobs — the finance-savvy analysis, and the admin that turns it into action.

The business partner

Finance-savvy, across your numbers

Charlie reads your live Xero numbers like a sharp analyst — ideas on tap across pricing, costs and strategy, and a 24/7 sounding board for the decisions you'd otherwise carry alone.

Grounded in your Xero

The EA

Starts the work before you ask

When an invoice needs chasing or a client needs a nudge, the email is already written and waiting in your Gmail drafts. You review, you tweak, you hit send — nothing goes out without you.

Drafts to your Gmail

Charlie drafts them — you send them.

A business partner that never clocks off

Dashboard

Know what matters today, at a glance

A real-time snapshot of your business — your financial data, goals and key metrics brought together in one clear view, with today's priorities on top. No spreadsheets, no digging.

Live from Xero
Ask Charlie dashboard showing total cash balance, month-to-date and financial year-to-date income and expenses, and a monthly expense breakdown.

Insights

Ideas on tap, shaped by your numbers

Charlie routinely generates tailored revenue, cost and strategic ideas based on your Xero data, your industry and your objectives — at least three at a time, every time.

Revenue · Costs · Strategy
Ask Charlie insights screen listing tailored revenue, cost and strategic ideas generated from the business's data.

Chat

Never think alone again

Ask anything, any time. Context-aware answers grounded in your numbers, your website and your business goals — available 24/7 to brainstorm and pressure-test decisions. And when the answer needs an email, Charlie drafts it straight to your Gmail.

Available 24/7
Ask Charlie chat screen, where the owner asks a question and Charlie replies with an answer grounded in their business data.

Notifications

Charlie watches your back — and starts the work

Proactive alerts when trends shift, opportunities emerge, or performance moves away from plan. And Charlie doesn't stop at telling you: when an invoice needs chasing, the email is already drafted in your Gmail, waiting for you to hit send.

Takes action on your behalf
Ask Charlie push notifications: a new idea about launching fixed-scope pricing, and a heads-up that legal expenses spiked to 18.7% of revenue in February.

One Charlie, everywhere you work

On your laptop at the office. On your phone on site.

The same dashboard, insights and conversation — sign in from any browser or open the iOS app. Nothing to sync, nothing to choose between.

The Ask Charlie dashboard open in a desktop browser, showing the week's cash runway, overdue invoices and a plain-English summary of what needs attention. The Ask Charlie dashboard open in a desktop browser, showing the week's cash runway, overdue invoices and a plain-English summary of what needs attention.
One account ● Signs in everywhere
Always in sync Same Charlie, same numbers
The same Ask Charlie dashboard on the iOS app.
Any browser — web.askcharlie.app iOS app — App Store

Because running a business shouldn't feel like thinking alone.

Ask Charlie

Start free

Three months free. No card, no waiting.

Sign up with your Xero login and Charlie connects to your numbers straight away — full access, completely free, for three months.

Sign up with Xero Sign in

No credit card required. Cancel any time.

$35

/ month after — unlimited usage. One good idea pays for the year.

Good questions

FAQs

Does Ask Charlie replace my accountant?

No. Charlie is designed to complement your accountant — not replace them. It helps you think through ideas, explore opportunities and analyse trends between formal advice. For tax, compliance or complex structuring matters, always confirm details with your accountant.

How does Charlie use my Xero data?

When connected to Xero, Charlie uses your financial data to provide context-aware insights around revenue, expenses and cash flow. The integration is read-only and used solely to generate tailored business suggestions.

What kind of questions can I ask?

Profitability improvements, cost reductions, pricing decisions, service mix changes, cash flow strategies and growth ideas. Charlie is built for everyday commercial thinking — not tax rulings or legal advice.

How are the Insights generated?

Charlie routinely generates at least three ideas across revenue, costs and strategic initiatives — shaped by your financial data, website positioning, industry context and your short- and long-term goals.

Can Charlie send emails on my behalf?

Charlie drafts them — you send them. When something needs action, like chasing an overdue invoice, Charlie writes the email and pushes it straight to your Gmail drafts. Nothing leaves your account until you've reviewed it and hit send, so you stay in control of every word.

Is my business data secure?

Your data remains yours. Charlie uses secure connections to access contextual information and never alters your accounting records. You can disconnect integrations at any time.

How much does Ask Charlie cost?

$35 per month for unlimited usage. One idea that improves margin or reduces waste could pay for the year — Charlie is built to find those opportunities and unlock new ones.

Who are we?

Built by people who run businesses

We understand what it's like. The constant questions. The trade-offs. The pressure to get decisions right. Ask Charlie exists to give business owners a thinking partner — one that understands their numbers, their industry and their goals. Intelligent, commercially grounded, always available.

Because running a business shouldn't feel like thinking alone.