Ways to analyze your QuickBooks^® Online numbers, compared

QuickBooks® Online's built-in reports show what happened. 2diff Business by 2diff.io adds 23 ratios tracked over time, month and quarter trends, a forecast and plain-language AI analysis on top, for $19.99 a month on Silver, and never writes to your books. A spreadsheet, a bookkeeper and a fractional CFO are the other common options; the table below compares what each costs in time and money.

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Five ways to analyze a small business's financial statements

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Compared on	2diff Business	QuickBooks Online built-in reports	A spreadsheet	A bookkeeper	A fractional CFO
Financial statements	Profit and loss, balance sheet and cash flow, read from QuickBooks Online	Profit and loss, balance sheet and statement of cash flows	You rebuild them from exported reports	Keeps the books the statements come from	Reviews them with you
Ratios tracked over time	23 ratios, tracked over time	Not in the profit and loss, balance sheet or cash flow report	Only the formulas you build	Depends on the engagement	Part of the analysis a CFO provides
Month and quarter trends	Monthly and quarterly trends	Report columns by month or quarter	Only the charts you build	Depends on the engagement	Part of the analysis a CFO provides
Forecast	Included	Not in the profit and loss, balance sheet or cash flow report	Only if you build one	Depends on the engagement	Depends on the engagement
Plain-language explanations	AI answers about your own figures on Silver (analysis, not advice)	Not in the profit and loss, balance sheet or cash flow report	Only what you write yourself	Depends on the engagement	Depends on the engagement; a CFO also advises on decisions
Who does the work	The app; you read the results and ask questions	You run and read each report	You	The bookkeeper keeps the books	The CFO
Monthly cost	$19.99 a month for Silver: everything in Bronze, plus AI and the QuickBooks Online connection	Included in your QuickBooks Online subscription	Your time	Set by the bookkeeper	Retainers commonly run in the thousands of dollars a month
Your time each month	Reading the results; current-year reports are reread once the stored copy is 4 hours old	Running and reading each report	Exporting, pasting and updating	Meetings and questions	Meetings and reviews

QuickBooks Online facts as of October 2026, limited to the standard profit and loss, balance sheet and cash flow reports 2diff Business reads. Other features vary by QuickBooks Online plan. Bookkeeper and CFO services vary by engagement.

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Frequently asked questions

How is 2diff Business different from QuickBooks® Online reports?

QuickBooks Online produces the statements; 2diff Business analyzes them. 2diff Business adds 23 ratios tracked over time, month and quarter trends, common-size views, a forecast and, on Silver, plain-language AI answers about your own figures. It never changes your books.

Is 2diff Business accounting software?

No. 2diff Business is an analytics layer that reads reports from your QuickBooks Online company on Silver, or works from figures you type. Bookkeeping, invoicing, payroll and tax filing stay in your accounting software and with your accountant.

How is 2diff Business different from a bookkeeper or fractional CFO?

A bookkeeper keeps the books accurate, and a fractional CFO advises on decisions. 2diff Business automates the recurring analysis between those visits (statements, ratios, trends and plain-language explanations) for $19.99 a month on Silver. It is analysis, not advice.

Does 2diff Business install inside QuickBooks Online?

No. It is a separate web app that reads your reports through Intuit's OAuth 2.0 connection. You sign in on Intuit's page, approve access, and can disconnect anytime.

Can I use 2diff Business Silver if my books are not in QuickBooks Online?

Yes. 2diff Business Silver has everything in Bronze, plus AI and the QuickBooks Online connection, so it also works from a few annual figures typed into a short form, with no accounting software required. 2diff Business Bronze, the plan without AI, costs $9.99 a month.

What does 2diff Business cost compared with the other options?

2diff Business Silver costs $19.99 a month, month to month, with everything in Bronze, plus AI and the QuickBooks Online connection. QuickBooks Online reports come with your subscription, a spreadsheet costs your time, a bookkeeper sets their own rate, and fractional CFO retainers commonly run in the thousands of dollars a month.

2diff Business FAQ: what data is read, what the AI sees, reports and disconnecting.
Pricing: all four plans, Free to Gold, side by side, month to month.
Landscaping case study: six years of a fictional landscaping business read through 2diff Business.
About Second Difference Solutions: who makes 2diff Business.

This content is for educational purposes only and does not constitute financial, accounting, or legal advice. 2diff Business's AI responses are analysis and observations based on the data you provide, not recommendations. Consult a qualified professional before making decisions that affect your business.Intuit and QuickBooks^® are registered trademarks of Intuit Inc. Used with permission. Second Difference Solutions^®, LLC is an independent software provider and is not affiliated with, endorsed by, or sponsored by Intuit Inc. Our applications integrate with QuickBooks^® products via Intuit's official APIs.