Deterministic arithmetic
Money is stored as whole pence and rates as exact fractions. Compounding 5% over five years is exact, not approximately exact. No AI touches a financial calculation.
Financial planning you can audit
Every number knows where it came from.
Model cash, runway, hiring and break-even. Click any figure and see the formula, the inputs and the engine version that produced it.
No account needed. Your plan stays in this browser until you choose to save it.
Illustration — how a figure is presented
These are made-up figures, shown to explain the interface. Nothing here is a real plan.
- ActualCash at bank, 31 August
- £180,000.00
- A fact you recorded. Read off a statement, tied to a period, with a source.
- AssumptionMonthly revenue growth
- 5.0%
- Your choice. Marked as yours, with a confidence level, and changeable in one place that every calculation reads.
- CalculatedRunway to zero cash
- 14 months
- Derived by simulating cash month by month — not by dividing cash by average burn, which is wrong the moment a plan is not flat.
closing[p] = opening[p] + cashReceived[p] − cashPaid[p]
opening[p+1] = closing[p]- Engine
- 1.0.0
- Periods simulated
- 14
- Inputs
- 23
What setting up involves
Four short steps. You can skip the last two and add them whenever you like.
- Step one
Your plan
A name, the currency, the month you are starting from, and how far ahead to look.
- Step two
Cash in the bank
The balance today. This is the one figure everything else is measured against, so it is an actual, not an estimate.
- Step three
What comes in
Subscriptions, retainers, projects. Optional — add it now or later.
- Step four
What goes out
Salaries, software, rent, marketing. Also optional.
What this does differently
Results that reconcile
Department totals must add up to the plan total. Opening plus in minus out must equal closing. When a check fails, figures are shown as unverified rather than presented as fact.
Only your numbers
A new plan starts genuinely empty. Nothing is filled in for you, and example data is labelled as such everywhere it appears, so you can never mistake it for your own position.
Yours before it is ours
Plan anonymously in your browser. Nothing leaves your device until you choose to save, and the local copy is kept until the server proves it has the plan.