Based on bank data synced from Xero/QuickBooks. Accuracy improves with daily reconciliation.
Accuracy data will appear once forecast periods complete and actuals are recorded.
Recurring Transactions
Detected Patterns
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Tax Calendar
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Forecast Settings
Business details
These decide which tax the forecast includes. A company pays corporation tax; a sole trader pays Self Assessment; in a partnership each partner pays their own.
Reduces employer National Insurance by up to £10,500 a year. A company whose only employee is a director cannot claim it.
0 if there is none. The forecast shows headroom as balance plus this.
Forecast
The cash reserve you want to always maintain. Periods below this are flagged as danger.
First quarter-end month. Quarters are 3 months apart.
Alert triggers when balance drops below this % of the buffer. 100% = exactly at buffer level.
✓ Saved
Bank Accounts for Cash Flow
Select which bank accounts to include in cash flow calculations. All selected account balances are summed to determine your total cash position.
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Add Recurring Transaction
Which day the payment falls on
When is the next payment due? Must be today or in the future. The system calculates the cycle forward from this date.
Leave blank if ongoing.
Add Tax Obligation
Manage Scenarios
Create up to 5 scenarios to model different outcomes. Toggle them on the chart to compare visually.
New Scenario
Model specific changes with dates — e.g. "new contract £5,000/month from June"
Single events on a specific date — e.g. "equipment purchase £20,000 on 15 May"
Apply blanket percentage adjustments across all periods. Useful for stress testing (e.g. "what if all revenue drops 20%?").
+10 = 10% more income, -20 = 20% less
+10 = 10% more costs, -5 = 5% less
+14 = customers pay 14 days later, -7 = earlier
People Cost Calculator
Calculate the true cost of a new hire, including employer NIC and pension.
Minimum 3% employer contribution
Annual Salary
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Employer NIC
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Employer Pension
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Equipment + Recruitment
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Total Annual Cost
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Monthly Cost
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When the employee starts. Used to pro-rate the first month's pay.
When the first salary is paid. The payment cycle runs from this date.
Creates a recurring monthly outflow. Automatically included in all scenarios. First month is pro-rated based on the employee start date. Manage or delete from the Recurring Costs tab.