A practical system that helps accountants build monthly, quarterly, or annual budgets by connecting revenue, costs, payroll, expenses, CAPEX, depreciation, financing, cash flow, and expected results.
Total Expected Revenue0
Expected Net Profit0
Lowest Monthly Cash Balance0
Gross Profit Margin0%Gross Profit Margin
Net Profit Margin0%Net Profit Margin
OPEX / Revenue0%OPEX / Revenue
Negative Cash Months0Negative Cash Months
Company & Fiscal Year Information
Start by defining company data, country, currency, and budget structure.
Professional guidance: Choosing a country automatically updates the currency, VAT/sales tax rate, and employer social security/insurance cost as editable default values. Always review the values according to the company activity and current laws before approving the budget.
Professional guidance: A budget should be based on clear, justified assumptions. Every material number should have a basis: historical average, confirmed contract, target growth, or an operational driver.
Display & Rounding Settings
Assumptions & Budget Drivers
Build the budget drivers here: growth, inflation, collection, payment, inventory, and taxes.
Automatically updated when a country is selected and can be edited manually.
Automatically used when adding current employees or planned hires.
Monthly Seasonality Factors
Use 1 for a normal month. Use 1.25 for a stronger month or 0.80 for a weaker month. These factors affect expected revenue distribution.
Expected Revenue Budget
Add products, services, contracts, subscriptions, or any expected income sources.
Estimation method: Revenue can be estimated from quantity × price, a monthly base amount with growth, or a confirmed/probable contract with probability. Avoid unsupported random estimates.
The revenue template helps you import multiple products or services at once.
Cost of Revenue / Cost of Sales
Link each cost item to a revenue item so costs move with sales.
Best practice: Separate direct costs from administrative expenses. Cost of revenue is directly tied to delivering a service or selling goods.
Payroll & Workforce
Enter current employees, planned hires, and expected increases.
Payroll templates: download a template, fill it, then import it to add data directly into the tool.
Current Employees
Planned Hires
Operating & Administrative Expenses
Enter fixed, variable, semi-variable, and one-time expenses.
Reminder: A fixed expense usually does not change with sales, while a variable expense is tied to revenue, customers, or units. Semi-variable expenses include fixed and variable components.
The expenses template is useful for importing fixed, variable, and semi-variable expenses at once.
CAPEX & Depreciation
Enter planned asset purchases and their impact on cash and depreciation.
CAPEX & depreciation template: useful for importing assets, purchase timing, ready-for-use month, useful life, and payment method.
Guidance: Depreciation starts from the month the asset is ready for use, not necessarily the payment month. Asset cost includes purchase cost and directly attributable costs needed to make it ready.
Working Capital & Cash Flow
Enter opening balances and collection/payment policies to show expected liquidity.
Monthly Cash Flow Preview
Financing, Loans & Taxes
Enter expected loans or financing and tax rates to calculate interest, repayments, and tax.
Scenario & Sensitivity Analysis
Test how changes in revenue, costs, expenses, and collection affect profit and cash.
Scenario Result
Budget Report
Reports & Results
Income statement, cash flow, budgeted balance sheet, KPIs, and professional alerts.
Executive Summary
Amounts in Selected Currency
Smart Alerts
Charts
Revenue, Expenses & Net Profit
Expected Cash Balance
Budgeted Income Statement
Budgeted Cash Flow
Simplified Budgeted Balance Sheet
KPIs
Professional disclaimer: This tool is educational and organizational. It helps prepare budgets based on the inputs and assumptions provided by the user. Results are not an audited financial report or final professional advice and should be reviewed by a qualified accountant or financial advisor before making major decisions.
