Futureproof vs Pilot
Bookkeeping, tax, AR, AP, CFO. One team, not five purchases.
Pilot is an accounting firm that sells each of those as its own engagement around a QuickBooks Online file it provisions and manages for you. Futureproof is one plan: six agents working a ledger that is yours, covering the books, receivables, payables, the forecast, revenue metrics and investor reporting, with a monthly review call with a human financial specialist.
The books get done.The function stays scattered.
Three things companies notice once the finance work grows past bookkeeping, taken from what Pilot publishes about its own services.
Reports land on the 10th business day
That is the published cadence on the plan with a bookkeeper, and the 6th on the tier above it. Two weeks into a month is late for a decision that was made in the first week of it.
Each piece is its own purchase
Tax is bought separately and only alongside bookkeeping. Receivables and payables are add-ons rather than defaults. Metrics dashboards come through CFO Services, and stock administration is billed on its own.
The books live in someone else's file
Pilot provisions and manages a QuickBooks Online file with a standard chart of accounts and does all of its bookkeeping inside it. What the arrangement leaves you holding is an accounting file you did not choose.
The same month of work.One team or several services.
How each side gets the work done and where each piece sits. Statements about Pilot are their own published wording.
| Futureproof | Pilot | |
|---|---|---|
| AI agents that do the work | Six agents, each owning a lane | AI Accountant, 50/50 people and software |
| Monthly human specialist review | Included in the plan, every month | Bookkeeper reviews from the Core plan |
| Bookkeeping | Coded and reconciled nightly | The whole cycle, through monthly close |
| Tax filing | Your own CPA, from books kept ready | Pilot Tax, bought with bookkeeping |
| Transaction categorization | Coded nightly, exceptions flagged | AI Accountant codes and reconciles |
| Numbers current between closes | Reconciled nightly, readable any day | Portal updates as transactions post |
| Revenue earned across a term | A schedule per contract, run monthly | Cash or accrual basis bookkeeping |
| Burn rate and runway | Rebuilt nightly from posted entries | Burn and estimated runway in Portal |
| Recurring revenue metrics | Hugo computes them from the ledger | KPI dashboards through CFO Services |
| Cap table and dilution | Modeled beside the cash it changes | Stock admin for Carta or Pulley users |
| Scenario forecasting | Margo prices the hire before you make it | Portal scenarios; models via CFO |
| Investor data room | Nia keeps the room current | Reports to share with investors |
| Board reporting | Nia drafts the deck from closed months | Board reporting in the CFO tiers |
| Self-serve platform | Sign up and connect the same day | 15-day free trial, no card required |
| Where the books live | Your own ledger inside Futureproof | A QuickBooks file they provision |
| Collections and bill pay | Remi chases, Theo schedules, you release | Add-ons; full AR and AP on Custom |
Pilot statements checked 2026-09-20 on pilot.com, including their pricing page.
Collect the file once.Then the books are yours.
Three steps, and no handover meeting to schedule. The service keeps its last month while the new ledger catches up.
Connect the accounts
Bank accounts and cards connect read-only through Plaid, with billing and sales channels alongside them. One sitting, and nothing after it depends on somebody remembering to send a file.
Bring the history over
Ask the service for the accounting file it has been keeping. That history imports into your own ledger as a file export, so closed periods stay readable and last year stays comparable.
Run the first close
The agents work the backlog overnight. In the morning the accounts are reconciled, the open items have owners, and the decisions waiting on you sit in one queue rather than across several engagements.
The work moves in.Your people stay.
Leaving a service usually means losing the relationships around it. Four things stay exactly as they are.
- Your accountant
- Invite them into the workspace and they work in the same ledger the agents write to, with every figure opening to the entry behind it. Futureproof does not file taxes and does not replace the person who does.
- Your bank
- Accounts and cards stay where they are, and the connections that bring data in are read-only. Payments are scheduled and flagged for you, never sent on their own.
- Your history
- The accounting file collected on the way out imports into the new ledger, so the months a service closed for you stay closed and readable afterwards.
- Your approvals
- Work happening nightly does not mean work happening without you. Each agent drafts and proposes, you release, and the audit trail records what was approved and when.
What teams askabout leaving a service.
Pilot alternatives come in two kinds. Other accounting firms move the same model between vendors: the books are kept for you, reports arrive on a stated business day, and anything past bookkeeping is bought separately. A finance team changes the arrangement. Futureproof is the second kind: six AI agents do the bookkeeping, collections, bill pay, forecasting, revenue metrics and investor reporting on one ledger, a human financial specialist reviews your books with you monthly, and pricing starts at $1,000 a month with no add-ons. The work happens continuously in your own account rather than as a set of engagements around it. If your issue is which firm does your books, switch firms. If your issue is buying finance in pieces, switch to a finance team.
With Pilot you are managing a set of engagements: tax is a separate purchase, receivables and payables are add-ons, KPI dashboards come through CFO Services, and reports land on the 10th business day. Futureproof's agents do the work in your own account, on one plan. Vic closes daily and flags exceptions, Margo answers cash questions the moment you ask, Remi and Theo run AR and AP. Nothing waits on a separate arrangement.
Pilot is an accounting firm, 50/50 people and software in their own words, doing the bookkeeping inside a QuickBooks Online file it provisions and manages for you, with tax, CFO work and stock administration sold alongside it. Futureproof is an AI finance team on a ledger that is yours: six agents covering bookkeeping, AR, AP, FP&A, RevOps and investor relations. Pilot gives you a bookkeeping engagement. Futureproof gives you the whole finance team.
Futureproof does not file taxes. It keeps your books clean and ready year round, so filing and R&D credit work go faster with your own CPA, and Pilot Tax is a separate purchase that has to be bought alongside their bookkeeping. You also keep the financial visibility to see how a tax obligation lands against runway, burn and the timing of a raise.
Most early-stage founders do not. Futureproof handles categorization and reconciliation automatically, and the monthly review call with a human financial specialist replaces hours of data entry. A bookkeeper or accountant may still handle specialist work such as tax filing, which Futureproof does not do.
Yes. It is built for companies from pre-revenue onward. Cash flow modeling, cap table modeling and investor reporting all come with the plan rather than as separate engagements, which is usually the reason a company reconsiders an arrangement assembled one service at a time.
Setup is one sitting. Connect banks, cards and Stripe, and transactions are categorized from there without anyone coding them by hand.
Yes. Invite them into the workspace as a member, with no seat to purchase, and they work in the same ledger the agents write to, with every reported figure opening to the entry behind it and a full audit trail beside it.
Bank accounts and credit cards connect read-only through Plaid, Ramp connects, and Stripe brings in billing. On the sales side, Amazon and eBay connect directly, Shopify is in beta, and TikTok Shop is coming soon.
The shapes are different. Pilot prices bookkeeping against your expense rate and sells tax, CFO services and stock administration separately, each alongside a bookkeeping subscription. Futureproof starts at $1,000 a month and includes all six AI agents, bookkeeping, AR, AP, FP&A, RevOps and investor relations, with a monthly review call with a human financial specialist and no add-ons.
Your numbers. Your answers. Smarter moves.
Stop buying finance in pieces.Read the books in the morning.
Connect the accounts, import the history, and let the first close run overnight. The books catch up while the office is empty and stay current after that.
Starting at $1,000/month for all six agents. No per-seat fees and no modules.