Futureproof vs Finmark
Finmark is shutting down. Your financial strategy should not.
Every finmark.com address, including the product login, now redirects to bill.com, and no pricing page, signup, or trial path remains. The models, the assumptions, and the plan behind them need somewhere to live, and the move is worth making once. Finmark reads your books through what its own guide calls a one-way sync from your accounting platform, so the plan is only ever as current as that sync. Futureproof keeps the general ledger itself, the system of record behind every figure, and Margo rebuilds burn, runway, and the months ahead on it every night.
Three things to weighbefore you rebuild elsewhere.
Moving is settled. What is still open is whether the next plan sits on top of the books, the way this one did, or on the books themselves. Three things worth weighing while the decision is still yours to make.
There is no way back in
Bill.com acquired Finmark in 2022. Today every finmark.com address, including the product login, redirects to bill.com, and no pricing page, signup or trial path remains. No sunset has been announced, and their help center still says Finmark is not going away. A plan that nobody new can be added to is still not a plan to build the next two years on.
A one-way sync, by design
Their integration guide is explicit: the sync runs one way from your accounting platform into Finmark, and nothing is written back. A plan built that way inherits whatever state the books are in, so a late close is a late plan. Rebuilding the same arrangement in another tool carries the same lag across with it.
Planning is one lane
Keeping the books, chasing what is owed, coding the bills, and closing the month all happen somewhere else, and payroll has been entered by hand since their payroll integrations were discontinued in July 2025. A replacement that covers planning alone leaves every one of those lanes exactly where it was.
What each one owns.And what it leaves to you.
Sixteen jobs a startup has to get done every month, and where each one lands. Every Finmark cell is taken from their own documentation.
| Futureproof | Finmark | |
|---|---|---|
| Where the numbers live | Your own general ledger, closed every month | Plans built on a one-way accounting sync |
| Keeping the books | Vic codes and reconciles every night | Kept in your own accounting platform |
| Who does the work | Six agents, each owning a lane | You build and share the plan, unlimited users |
| Human review each month | A call with a financial specialist, included | Live chat, training and monthly office hours |
| Transaction categorization | Vic codes each entry to your chart | Not documented on their live properties |
| How current the numbers are | Rebuilt nightly on posted entries | Actuals refresh on the accounting sync |
| Revenue over time | Recognized across the contract term | Accrued across the period in the plan |
| Burn and runway | Recomputed on posted entries every night | Runway and burn among the dashboard KPIs |
| Revenue metrics | MRR roll-forward built from the ledger | Dashboard KPIs including MRR, CAC and LTV |
| Scenario planning | Scenarios priced against cash and your floor | Unlimited scenarios and scenario comparison |
| Hiring plan modeling | Open roles priced against cash and floor | Hiring plan with drivers and CSV upload |
| Cap table | The cap table of record, beside the ledger | Not documented on their live properties |
| Investor data room | Documents, and which ones were opened | The plan shared by invite, with view control |
| Board reporting | Drafted from the closed period for your edits | Not documented on their live properties |
| Payroll | Each run imports by CSV, one file | Entered by hand each month since 2025 |
| Self-serve platform | Sign up and connect the accounts | No signup or trial path on finmark.com |
Finmark statements checked 2026-09-20 against help.finmark.com, their only live property.
Moving takes one sitting.The history comes with it.
Three steps, in order. Nothing is rebuilt from memory, and no assumption you made in Finmark has to be typed twice.
Connect the accounts
Bank accounts and company cards connect through Plaid, and Stripe connects directly, all in one pass. Payroll comes in by CSV import, one file per run, which is the only way payroll enters the ledger today.
Move the history
Books kept in QuickBooks move across in a one-click migration, and other accounting systems come in by file export. Prior-year balances carry in, so the first month is a continuation rather than a restart.
Run the first month
Vic codes and reconciles overnight, then Margo rebuilds burn, runway, and the months ahead on what posted. The assumptions you cared about in Finmark become scenarios on live entries.
Most of your setup stays.The stack around it shrinks.
Switching the ledger does not mean switching everything attached to it. Four things carry over exactly as they are.
- Your accountant
- Futureproof does not file taxes. Your CPA keeps filing and advising, and works from books that were reconciled and closed on schedule instead of rebuilt in March. Every report exports to CSV whenever they ask for one.
- Your bank
- Accounts and cards connect through Plaid and stay exactly where they are. Theo captures the bills and schedules the pay run against available cash, and the payment itself is released in your own bank.
- Your history
- Prior books migrate in rather than start over, and a full export of your data is available at any time. Nothing about the arrangement depends on staying.
- Your approvals
- The agents draft and recommend. You approve, adjust, or decline, and every action lands on the audit trail with the reasoning attached to it.
What founders askwhen a plan has to move.
No. Finmark gives you modeling software, and the model stays yours to build, update, and reconcile against actuals every month. That maintenance is the hidden cost of every planning tool. With Futureproof, Margo builds the forecast from your own general ledger, keeps it current on her own, and runs scenarios the moment you ask.
Pricing starts at $1,000/month and covers all six agents: Vic on books and close, Remi on receivables, Theo on payables, Margo on forecasts, Hugo on revenue metrics, and Nia on investor reporting, with a monthly review call with a human financial specialist included. There are no per-seat fees and no modules. The comparison worth making is against hiring those lanes or buying them one subscription at a time, rather than against a single planning tool.
Yes. Bill.com acquired Finmark in 2022, and today every finmark.com address, including the product login, redirects to bill.com; no pricing page, signup, or trial path remains, so no new team can be added to the product. No public sunset date has been published, so plan the move on your own timetable rather than theirs.
Finmark is a planning tool: scenario comparison, revenue modeling, and hiring plans. Futureproof does that work and keeps the books underneath it, with categorization and reconciliation nightly, revenue recognized across the contract term, a cap table of record, a data room, and investor reporting. The move consolidates several tools rather than swapping one for another.
No. Futureproof is the accounting system, so there is no second subscription underneath it. Books kept in QuickBooks migrate across in one click, other systems come in by file export, and from that point the general ledger inside Futureproof is what every report and forecast is built from.
Most early-stage founders do not. Vic codes each bank, card, and Stripe movement to the chart of accounts, reconciles the accounts nightly, and prepares the close, bringing anything that needs a judgment call to you as a decision. A bookkeeper may still help with unusual work, with far less of the routine left to do.
Yes. It is built for startups from pre-revenue through Series A, where nobody has been hired to run finance yet. Early-stage founders gain most from having the books and the forecast in one place, which is the gap a planning tool sitting on top of a separate accounting system leaves open.
Yes. Stripe connects directly, and subscription revenue is recognized across the term it is billed for, whether the contract is monthly, annual, usage-based, tiered, or a mix. The contract waterfall shows each month of recognized and deferred revenue, and it is built from the same entries as the income statement.
Connecting is one sitting. Bank accounts and company cards connect through Plaid, Stripe connects directly, payroll comes in by CSV import, one file per run, and books kept in QuickBooks migrate across in one click with prior-year balances carried in. The first night of coding and reconciliation runs after that.
Yes. Every report exports to CSV, and a full export of the underlying data is available at any time, so an accountant works from the same reconciled books rather than from a rebuilt year. Futureproof does not file taxes, so tax work stays with them.
One ledger. Six agents. Your call.
Pick the ledger first.The forecast follows it.
Connect the accounts and the team starts on the books tonight. The next hire, the next test, and the next round get decided on numbers that were current this morning.
Starting at $1,000/month for all six agents, with a monthly review call with a human financial specialist included. No per-seat fees, no modules.