Cloud financial management for SaaS

Close the books on cloud spend.
Without a FinOps team.

Tovin.io consolidates AWS, GCP, DigitalOcean, and Snowflake billing into one ledger your finance team can close, reconcile, and report on — with cost-center allocation, variance vs forecast, and board-ready exports out of the box. No procurement cycle, no implementation consultant, $0 to start.

✓ Read-only credentials   ✓ 90-day backfill on connect   ✓ KMS-encrypted at rest

Board memo · cloud spend · May 2026

One page your CFO can paste into the deck.

Updated daily
MTD spend (all clouds)$78,420−4.1% vs forecast
Cloud COGS$64,18082% of cloud spend
Gross-margin impact−$0.18 / customer-monthvs $0.21 in April
EoM forecast (80% band)$118K – $124KBudget: $122K
Product / cost centerVendorMTDvs forecast
Core product (COGS)AWS · DO$42,108−2.4%
Analytics (R&D)GCP · Snowflake$18,640+6.8%
Customer workloads (COGS)DO$11,290flat
Unallocated$6,382cleanup queue
Tovin.io reconciles AWS, GCP, DigitalOcean, and Snowflake billing into one ledger — by project, cost center, and customer — with the provider detail preserved underneath for audit.
What it does

Built for the finance lead who owns the cloud bill.

The big FinOps platforms are built around the FinOps council at large enterprises. Tovin.io is finance-led from the first screen — vocabulary, exports, close workflow, and pricing all built for a 10–100 person SaaS where finance owns the cloud bill directly.

Multi-vendor invoice consolidation

AWS, GCP, DigitalOcean, and Snowflake billing rolled up into one ledger — by project, cost center, and customer — without the month-end spreadsheet stitch-together.

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Variance vs forecast, decomposed

Monthly variance broken into price, volume, and mix — so the close memo explains the $40K miss instead of restating it.

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Month-end cloud close in days, not weeks

Read-only credentials connect in minutes. The ledger ties to your GL accounts with cost-center allocation rules. Close in the same week as financial close.

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Board-ready exports

Gross-margin impact, cloud COGS by product, forecast vs actual with confidence bands. Export the slides or send the link — no engineering dashboard required.

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Cloud COGS Calculator

A free, two-minute reality check on cloud cost as a share of revenue. Implied SaaS gross margin against the public-company healthy band — no email gate.

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Cloud Bill Reconciliation Template

A free month-end worksheet — every cloud invoice matched to internal usage, mapped to GL accounts, variance-checked against last month. Download the CSV plus a seven-step reconciliation methodology.

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Post-merger cloud integration

Two acquired clouds, 90 days to Day-1 close, no shared chart of accounts. Read-only credentials to both estates, allocation to the new cost-center structure, integration variance report inside a quarter.

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Why finance teams pick tovin.io.

Read-only by design

AWS roles with external IDs, GCP service accounts, DigitalOcean tokens — every integration is scoped to read, validated on connect, and KMS-encrypted at rest. Defensible in audit, safe to hand to a fractional CFO.

Security details

Fixed-fee, no procurement

Self-serve plans from $0 to $399/mo. No annual commitment required, no professional-services line, no surprise overage. The finance team can sign up without an RFP and switch off in one click.

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Multi-vendor by default

AWS, GCP, and DigitalOcean as first-class clouds — not "AWS-plus- others." For SaaS that landed on DigitalOcean before it migrated anywhere else, that's the only cost tool that reads the actual bill correctly.

What we mean by multi-cloud

Finance FAQ

How is this different from Apptio Cloudability?

Cloudability is built for the Fortune 500 FinOps team — enterprise pricing, enterprise sales cycle, deep Kubernetes and engineering tooling. Tovin.io is built for the controller, fractional CFO, or finance lead at a 10–100 person SaaS who owns the multi-vendor cloud bill but does not have a FinOps team yet. Self-serve pricing, finance-vocabulary dashboards, $0 to start, no procurement gauntlet. The full finance-buyer comparison is at /vs/apptio-cloudability.

Does it integrate with our accounting system?

CSV exports today, mapped to your chart of accounts via cost-center allocation rules. The Operator plan adds webhook-based pushes for finance teams that want to wire the ledger straight into a downstream system. Most finance teams reconcile via CSV against the GL in week one and move to webhooks once the mapping is trusted.

Can we allocate cloud spend to COGS vs operating expense?

Yes — that is the primary allocation use case. Use account, tag, and rule-based mapping to split production (typically COGS) from dev / staging / analytics (typically operating expense), and from internal R&D workloads that may be capitalizable under ASC 350-40.

How do we forecast cloud spend that changes daily?

Per-project forecast with a confidence band. The ledger gives you run-rate × growth-rate models out of the box; bottom-up models (planned customers × per-customer cost) come from your own customer plan and the per-customer rollup on the Operator plan.

Do we need engineering to set this up?

Read-only credential provisioning is a 10-minute task for someone with admin access to each cloud account — usually engineering, sometimes IT, occasionally finance themselves on a small DigitalOcean-only setup. After that, the day-to-day workflow is finance-owned.

How does pricing work?

Same plans as the engineering homepage — Free up to $3K/mo tracked spend, Team at $49, Operator at $149, Scale at $399. Tracked spend means the cloud cost flowing through Tovin.io, not your team headcount. Fixed monthly fee; no surprise overages.

One ledger. Every cloud. The finance team owns it.

✓ Read-only credentials   ✓ 90-day backfill   ✓ Cancel in one click