MyWacc reads your company at the SII and in your bank statements: F29 and Previred ready to review, today's cash, which client pays late, how much debt you can carry and what your company is worth. With or without an accountant.
Are you an accountant? Accountant program · Do you invest or lend? Investors
MyWacc runs your monthly routine and tells you how much to set aside. You review and file with your own SII password, as you do today. And if you want a second look, an accountant from the program reviews before the deadline.
MyWacc leaves the F29 and Previred ready for them, with the source of every number; they review and sign. Your accountant stays your accountant.
Either way, MyWacc warns you about cash, clients that are slipping and how much debt you can carry.
Will it cover salaries on the 30th and Previred? Estimated cash today, how many months you can last and alerts for payments and collections. Not the balance of an old bank statement.
Who pays you late, by name: a traffic light per client with SII, Treasury and Labor Directorate data, how much you depend on a few clients, and a warning the day one changes.
Do I qualify for a loan? Whether your profits cover the interest, your risk with a report for the bank, and a value range with the reasoning, as a PDF.
Overdue invoices you can collect, what you would save with factoring or confirming, and what loan you could access: estimates from your data, to discuss with your accountant or your bank. Plus scenarios (dollar, sales, costs) and a comparison with your industry. Plus the tax credits you are entitled to and are not using.
See how it looks: credit analysis (PDF) · board presentation (PDF) · valuation report (PDF)
The signals before default, your cash, your clients, what your company is worth and the F29 ready to review.
Tino, MyWacc's analyst, answers with your data, by chat or email.
You
Will I have enough for salaries on the 30th?
Tino
Today you have $12.3M in estimated cash. Salaries on the 30th are $14.2M and you have $6.1M to collect before then, $3.8M of it from a client in yellow. You can cover it, with $4.2M to spare if that client pays. If they do not pay, you are left with $400k.
You
Do I qualify for a loan?
Tino
With your numbers there is room: with your EBITDA for the last 12 months and your current debt, you can carry between $35M and $45M more over 36 months without going above 3× debt/EBITDA. The decision is the bank's; I left the analysis ready as a PDF for you to take.
You
What happens if the dollar goes up?
Tino
Your dollar purchases are 31% of your costs. If it rises 10%, your margin drops 3.1 points and your months of cash go from 4.2 to 3.1. The critical month would be March.
Illustrative examples with a fictitious company. Screenshots of real chats coming soon.
With alerts on payments and collections before you run short.
Which client is falling behind and how much you depend on a few clients.
How much debt you can carry, with an editable report for the bank.
What your company is worth, with a valuation report as a PDF. See the report →
Whether it pays off or not, in numbers, before you commit.
What happens if the dollar rises, sales fall or costs go up.
By account and supplier, against last month and last year.
Where you stand against your industry and 200+ listed companies.
Overdue invoices to collect, savings from factoring or confirming, and what loan you could access.
Editable, ready for your monthly meeting.
Every month, from your data, so you can read how the month went.
With the source of every number. And at tax season, a proposed F22 and sworn statements.
Contracts read from your email, severance calculations and bank reconciliation.
The ones you are entitled to (training, diesel, donations…), proposed with your accountant's check; you decide whether to use them.
MyWacc signs nothing: you or your accountant review and file.
MyWacc reads the SII, your tax folder, your bank statements and your files; and it connects to your ERP, payroll and point of sale. With that it builds your F29 on the 12th and your Previred file on the 5th, with the source of every number, and matches your bank statements against your sales.
MyWacc signs nothing. It prepares the draft and shows you what to check. Whoever accepts and files is you or your accountant. We are not an ERP or a tax advisor.
MyWacc leaves the draft ready with the source of every number; your accountant reviews, accepts and files with their signature. Your accountant stays your accountant: MyWacc saves them work and explains to you, in plain words, what they see. They can see everything read-only, without taking up a user seat.
MyWacc builds your F29 and your Previred, shows you what to check and how much to set aside, and you file with your SII password, as today. And when you want a second look, an accountant from the MyWacc program reviews your draft before the deadline. If your tax regime requires full accounting or a signed balance sheet, an accountant signs it: we leave everything organised for you to hand over.
The VAT you owe (on your sales minus on your purchases), the PPM and the social security contributions you withheld from salaries. They sit in your account, but they are paid on the 13th and the 20th. MyWacc tells you every month how much it is and how much to set aside. See the full answer →
Yes: you file it anyway, as an F29 with no activity. If you do not file it, there is a fine even if you owe no tax. MyWacc reminds you of the deadline even when the month is zero. See the full answer →
Already have an ERP and an accountant? MyWacc sits on top of your ERP and your accountant: it reads what you already have and warns you early.
You see the Pulse: traffic light, value range and your place in the industry. Free, no password.
With your tax folder (no password) or with your password, which stays encrypted and you revoke in one click. Compare the two ways →
Every month your company read, and alerts by email the day something changes.
Prices in UF, net of VAT. Pesos calculated with today's UF.
Once a month:
It does not write to the SII or send to Previred.
≈ at today's UF a month
Tino by chat and email, 30 questions a month. Free until your first F29 prepared with MyWacc.
≈ at today's UF per report
Included once you have 3 months of Administration and Finance.
And it gives you 3 months of Administration and Finance free.
Need a valuation with advisory, to defend before third parties or for legal purposes? It is scheduled and the price depends on each case →
Pesos calculated with today's UF ().
Services group
We combined the three balance sheets and outstanding loans into one valuation, net debt included, and the owner negotiated with the buyer from a single, clear base.
Fast-growing company
It ran short of cash at year end; the valuation showed the problem was liquidity, not profitability, and backed its request for bridge financing.
Wholesale distributor
It depended on unsigned contracts; we valued two scenarios, with and without them, and the owner saw in numbers what each closing was worth before deciding.
For confidentiality we omit names and any data that would identify the business. See all the cases →
We founded MyWacc in 2023 and since then we have valued more than 60 companies by hand. In 2026 we opened the AI platform that grew out of that work. We are with the first connected companies, and each one talks directly to the founder.
Write to us on WhatsApp or by email; Enrique replies, Monday to Friday from 8 to 19 (Chile time). First human reply within 1 business day; within 4 business hours if your F29 is due within 48 hours.
Pick the one that gives you more peace of mind. You can start without giving any password.
You download your tax folder from the SII and upload it. MyWacc reads it, builds your month and tells you what is missing. You hand over no password.
MyWacc signs in to the SII for you and keeps your month up to date by itself, without you uploading anything each time.
Advantage: you hand over no password and you can start today.
Drawbacks:
Advantages:
Drawback: you hand over the password. It is stored encrypted, the team does not see it and you revoke it in one click.
You can start with the folder and connect the password when you trust us.
It is stored encrypted in a secrets-management service; the MyWacc team does not see it or need it to operate.
On Amazon servers in the US, encrypted. Chile's data law (21.719) applies all the same.
From the app with “Disconnect the SII”, or by changing it at the SII.
Not in the formal sense. MyWacc is administration and finance with AI: it reads your SII and your bank statements, leaves the F29 and Previred ready to review, and tells you today's cash, which client pays late, how much debt you can carry and what your company is worth. It does not keep the formal books or replace your accountant: they, or you with your own password, review and file. If you already use accounting software for your small business, MyWacc sits on top of it: it reads what you already have and warns you first.
Not today. You review the draft with the source of every number and file it with your SII password. When accountants from the program are available, we will let you know.
Yes. In the F29 draft it proposes the credits you are entitled to based on your data (for example SENCE training or the diesel credit for transport), checked by an accountant from the program; you decide whether to use them, and you accept them with your signature when filing. MyWacc signs nothing.
By the size of your company. We work it out from the workers we already see in your SII or Previred: we do not ask you.
Free until your first F29 prepared with MyWacc. From that month you pay in advance and the month runs; you leave whenever you want, with no minimum term. You cancel from your profile and the next month is not charged.
Every report you pay for gives you 3 months of Administration and Finance free. If you do not pay for the plan yet, it is switched on free until your first F29 prepared with MyWacc and then the 3 months follow at no charge; if you already pay for it, your next charge moves 3 months later. It does not apply to the report included in the plan or to one an accountant buys with their firm’s brand.
A pack of 30 more questions for 1 UF (≈ at today's UF). The work Tino does by itself (F29, payroll, purchases and sales, reconciliation, alerts, traffic light) does not use up your questions.
Inside the Pulse, enter your sales and purchases for the month and see your estimated F29, how much to set aside and when each payment is due. No password needed.
Pesos calculated with today's UF ().
Three things: the VAT you owe (VAT on your sales minus VAT on your purchases), the PPM (a percentage of your sales paid in advance on income tax) and the social security contributions you withheld from salaries. They sit in your account, but they belong to the tax authority and to your workers: contributions are paid in Previred by the 13th, and VAT and PPM in the F29 by the 20th. MyWacc tells you every month how much it is and how much to set aside from each sale. Guide (Spanish): how much to set aside for the F29 →
Yes. Once you have started activities, the F29 is filed every month even if you sold and bought nothing: it is an F29 with no activity and takes a few minutes on the SII site. If you do not file it, the fine ranges from 1 UTM to 1 UTA (art. 97 no. 1 of the Tax Code), even if you owe no tax.
You get a fine even if the month is zero, and if there was VAT to pay, the late-payment fine, the CPI adjustment and interest are added. What you do not pay becomes a debt with the Treasury, which shows on your debt certificate, the one banks and clients ask for. File anyway, even if you cannot pay it all: paying late costs less than not filing. Guide (Spanish): if I pay the F29 late →
If you file the F29 on time but pay the VAT late, the fine is 10% of what you owe plus 2% for each month or part of a month of delay, capped at 30% (art. 97 no. 11 of the Tax Code, for withholding or surcharge taxes such as VAT). If the SII detects it in an audit, the fine starts at 20% and rises 2% a month up to 60%. On top come the CPI adjustment and a daily penalty interest (art. 53: the current interest rate plus 3.5 points, published by the SII each half-year; today 7.7% a year, about 0.64% a month). The fine and the interest are not the same: you pay both. If you cannot pay it all, ask the Treasury for an instalment agreement. Guide with an example in pesos (Spanish) →
Until the 12th of the following month; if you file and pay online, until the 20th. If it falls on a Saturday, Sunday or holiday, it moves to the next business day. F29 and Previred calendar (Spanish) →
Small and medium businesses that meet the requirements of art. 64 of the Tax Code can postpone paying VAT for up to two months: you tick the option when filing the F29 on time, and you must have no overdue debts with the Treasury (or have them under an agreement). What you postpone is still paid later, so it is worth setting it aside. Check with your accountant before ticking it.
Until the 13th of the following month if you declare and pay online (the general deadline is the 10th). If it falls on a Saturday, Sunday or holiday, it moves to the next business day. F29 and Previred calendar (Spanish) →
Your accountant can see what you see, read-only, without taking up a user seat.
