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Cash flow, budgets & profitability

See next month's balance today.

A cash flow forecast app for small business owners who hate surprises. See what your balance could look like in 30, 60 or 90 days, test a what-if before you spend, keep budgets inside the lines and find out which clients actually make you money.

Start free

Free plan, no card needed. Or book a demo.

Forecast

A forecast that shows its working.

Your balance forecast is built from open invoices by due date, subscription renewals, recurring costs and bills. Overdue invoices are placed a week out, not counted as cash. Every input is listed, so the number is never a mystery.

  • Balance forecast for the next 30, 60 or 90 days
  • Expected inflow and Expected outflow side by side
  • How this forecast is calculated: each input, included or not
Run a scenario

Ask "what if?" before you spend.

Run a scenario to see what changes if revenue drops, if overdue invoices get paid this week, or if you spend more on marketing. Scenarios change the forecast's inputs, not your records, so you can try anything.

  • Revenue up or down by up to 50%
  • Overdue invoices paid this week
  • Marketing spend up by up to 200%
Budgets

Budgets that warn you at 80%.

Set a budget for the company, a project, a department, a team or a campaign, and startbuddi tracks spend against it, warns you at 80% and forecasts where the period will land. A campaign budget is one number, shown in both Money Manager and Marketing.

  • On track, Warning and Over budget at a glance
  • Budget amount, Spent, Remaining and Forecast for each
  • Warnings land in the Finance Inbox at 80% and 100%
Profitability

Know which work actually makes you money.

Profitability takes the money you collected and subtracts the expenses linked to each project, customer, product or campaign, then ranks them by profit. Open any row to see where the costs came from.

  • Tabs for Projects, Customers, Products or Services and Campaigns
  • Gross operating profit, Average margin, Best performing and Lowest margin
  • Chip's analysis, with ideas to improve a low margin
What comes next

Where the forecast gets its numbers.

Nothing to type in twice: the forecast reads what you already do in startbuddi.

You run your business

  1. Open invoices

    Counted on their due dates.

    Receivables

  2. Subscriptions and recurring costs

    Renewals in, rent and software out.

    SubscriptionsRecurring

  3. Balance forecast

    30, 60 or 90 days ahead.

    Forecast

  4. Early warning

    Cash to watch in the Finance Inbox.

    Finance Inbox
You see what's coming
Works with everything

Money talks to the rest of your business.

Everything below shows up on the client's record on its own, so you never piece the story together by hand.

WorkProject budgets and profit per project
MarketingCampaign budgets are one number in both places
CRMProfit per customer, from real payments
MoneyOne record per client
SitesStore products ranked by profit
MoneyInvoices, subscriptions and expenses feed the forecast
Chip AIChip explains the forecast and drafts a plan
Chip AI

Ask Chip. It already knows your money.

Chip works from your own records, so the answer comes with names, amounts and dates, and a next step you can take in one click.

Meet Chip
Plans

Which plans include cash flow, budgets and profitability?

Cash flow, budgets and profitability are on every plan, including Free.

Start freeSee plans and prices
  • FreeIncluded, free forever
  • StarterIncluded, 30-day trial
  • GrowthIncluded, 30-day trial
  • ScaleIncluded, 30-day trial

More in Money Manager

Money Manager Invoicing Get paid Subscriptions Estimates, proposals & contracts Expenses, bills & reimbursements Reports
For agencies

Win the pitch. Bill the work.

Proposals, projects and invoices for every client, without four tools in between.

Start free See it for agencies

Questions about cash flow, budgets and profitability

How does the cash flow forecast work?
It starts from your connected Stripe balance and adds what's expected: open invoices on their due dates, subscription renewals, recurring costs and bills. Each input is listed so you can check it.
Does it include my bank balance?
Not yet. Bank accounts aren't connected, so the forecast uses your Stripe balance plus your startbuddi records. Paystack pays straight to your bank, so only the payments themselves are counted.
Can I predict my business bank balance next month?
Yes, as an estimate. Choose the 30-day view for next month, or 60 or 90 days to look further ahead. New accounts show "Not enough history for a forecast yet" until there's data.
Which clients are most profitable?
Open Profitability and choose the Customers tab. It ranks customers by profit: money collected minus the expenses you linked to them. Team labour costs aren't included.
Can I track project budget against actual spend?
Yes. Create a budget with the project as its scope, and you'll see Spent, Remaining and a forecast, with a warning at 80%.

No more end-of-month surprises.

See your balance ahead of time, test a what-if and keep spending in check. Free to start.

Start free
Or book a demo and we'll set it up with you.