The problem
Every company considering Bitcoin
faces the same question.
Over-allocate
You buy too much Bitcoin relative to your cash needs. A market downturn hits at the same time as a slow quarter. You're forced to sell at a loss to cover payroll. This is the nightmare scenario — and it's entirely avoidable.
Guess
You pick a number that 'feels right' — maybe 5% of cash, maybe whatever's left after expenses. No analysis behind it. No framework. No way to explain the decision to your board, your accountant, or yourself.
Do nothing
You leave everything in a checking account earning 0.05% while inflation erodes your purchasing power. The opportunity cost compounds every quarter you wait. You know this — you just don't have the numbers.
TreasuryPilot replaces guesswork with analysis. Your actual financials. Your actual cash flow. Your actual number.
How it works
From financials to strategy in five minutes.
Upload your financials
Drop in your income statement and balance sheet — QuickBooks, Xero, or any spreadsheet. Everything is processed in your browser. Nothing is uploaded to a server.
See your real free cash flow
TreasuryPilot calculates how much cash your business genuinely generates after paying every bill, every salary, every tax obligation. Not revenue. Not profit. Actual free cash that you can choose what to do with.
Size your safety buffer
Before allocating a single pound to Bitcoin, we calculate how much cash your business needs as a safety net — enough to cover 3 months of running costs, sized to your actual expenses, not a rule of thumb.
Get your Bitcoin budget
Everything above your safety buffer is genuine surplus. TreasuryPilot shows you exactly how much you can allocate monthly, quarterly, or annually — and builds a dollar-cost averaging schedule calibrated to what your business can actually afford.
The discovery most companies make
Your safety buffer should be earning yield.
That yield funds more Bitcoin.
Most businesses keep their reserves in a checking account earning almost nothing. By structuring the same cash across high-yield savings, Treasury bills, and money market funds, you earn real yield — without taking on any risk. That yield difference goes straight into your Bitcoin accumulation.
$451
Checking account yield
per year
$34,954
Optimised reserve yield
per year
$2,875
Extra Bitcoin budget
per month, funded by yield alone
Based on a real analysis of a US small business with $7.3M revenue and $365K/month operating costs.
Not just a calculator
A complete treasury platform.
Not a one-time spreadsheet.
Start with a free analysis. Upgrade to Pro for ongoing cash visibility, forecasting, and Bitcoin tracking — all in one dashboard.
Connect your bank accounts
Link your business accounts via Plaid (US) or Open Banking (UK) for real-time cash visibility across every account. Read-only — we can never move your money.
13-week cash flow forecast
TreasuryPilot spots your recurring patterns — payroll, rent, supplier payments — and projects your cash balance forward. See exactly when you'll have surplus and when to hold back.
Automated reserve monitoring
Set your safety buffer target and TreasuryPilot watches it for you. If your cash approaches the threshold, you get a plain-English alert: "Your cash is getting low — here's what you could do about it."
Bitcoin wallet tracking
Paste your wallet's extended public key (xpub) and TreasuryPilot automatically tracks every purchase — cost basis, total holdings, current value, gain or loss. Read-only. It can never spend your Bitcoin.
Fiat + Bitcoin in one view
The only dashboard that shows your operating cash, your reserve health, your yield earned, and your Bitcoin position — all from your actual data, updated daily.
Quarterly treasury reports
A board-ready PDF every quarter: cash generated, reserve structure, yield earned, Bitcoin accumulated. Written in plain English, not financial jargon.
Built for business owners, not Wall Street
You don't need a finance degree to use this.
TreasuryPilot explains every number in plain English. Every chart has a “What is this?” button that translates financial concepts into everyday language.
Finance jargon
Unlevered free cash flow
TreasuryPilot says
“How much cash your business generates after paying for everything it needs to operate”
Finance jargon
Cash reserve target
TreasuryPilot says
“Your safety buffer — enough cash to keep the lights on if something goes wrong”
Finance jargon
Dollar-cost averaging
TreasuryPilot says
“Buying a fixed amount at regular intervals, like a pension contribution — regular, disciplined, long-term”
Free tier: your data never leaves your browser.
Your spreadsheets are parsed, classified, and analysed entirely in your browser. No server, no database, no third-party access. We couldn't see your data even if we wanted to.
Pro tier: encrypted and deletable.
Bank connections are read-only via Plaid and Open Banking. Transaction data is encrypted at rest. Your Bitcoin xpub is encrypted with a key only you control. Delete your account and every byte of data is gone.
Built by Glenn Cameron, CFA — charterholder with experience in institutional Bitcoin custody.
Pricing
Start free. Upgrade when you're ready.
Free
$0
One-time analysis
- Upload financials (P&L + balance sheet)
- Full UFCF and free cash flow analysis
- Reserve sizing and yield comparison
- Bitcoin DCA scenarios
- Downloadable PDF report
- Treasury policy framework
- 100% client-side — no data shared
Pro
$79–$149
per month
- Everything in Free, plus:
- Bank account connectivity (US + UK)
- Real-time cash position dashboard
- 13-week cash flow forecast
- Automated reserve monitoring + alerts
- Bitcoin wallet tracking via xpub
- Unified fiat + Bitcoin dashboard
- Quarterly treasury reports (PDF)
- Priority support
Be first in line.
TreasuryPilot launches soon. Join the waitlist to get early access and a free treasury analysis for your business.
No spam. Just a launch notification and your free analysis.