Many of our clients have been expressing the need for simple, yet efficient cash flow projection software for both business and individual budgeting purposes. There are numerous accounting programs available with extensive functionalities for analysis. Unfortunately, they are all falling short when you need some serious cash flow projection software. It is extremely inefficient to drive your car just by looking in the "rearview mirror". Knowing the past is necessary but it doesn't often help in projecting the future, if you are planning to make changes in the structure of income and expenses. Accounting programs have little value when you are projecting a new start-up venture.
cPlanning is a simple, yet efficient online cash flow projection software, which will not burden you with ambiguous jargon; instead, it offers a clean and straightforward way to plan your finances. One of the greatest discoveries we made while developing this program was the fact that business management, projects planning and individual budgeting had surprisingly universal structure. Sometimes, life is simpler than you think.
One of the greatest problems that starting ventures and, also, individuals often have is falling short on cash balance. Current planning program has the built-in negative cumulative cash balance warning, which shows a red marker below bar chart. There are three main options for fixing negative cumulative cash balance: 1) Create more income or try to expedite receivables 2) Start venture with more starting cash 3) Reduce expenses or spread them over longer periods. Investing in smaller increments or leaving the investments for later periods has huge potential in fixing many cash flow problems.
Experimenting with all three options may give the best results. Unfortunately, making investments later in the future may also delay your incomes but, usually, there is no right or wrong solutions. It is important to try out different growth scenarios to find the one that suits the best with your unique business idea and, also, with your individual risk tolerance.
If you are planning on starting a small business, you probably already have an idea about what you want to sell and may even have some idea as to how to make money doing it. However, did you know that most businesses fail because of poor cash flow management? If you think about it - that makes sense. This is because you need cash coming in to pay bills, and you also need money to buy new inventory to keep making sales. The number one mistake that people make is confusing cash flow with sales. Just because you have sales, doesn't mean that you have cash flow. A few of the reasons that you may have sales and no cash flow are because people may be paying you on credit, your cost of sale may be too high, or your cost per unit may not yield you enough profit. Read more..
Planning a family budget is much more difficult than planning a budget for just you alone. This is because your family may have more than one source of income as well as many more unexpected expenses. When you are planning a budget as an individual, you may decide to eat only one meal a day in order to afford a vacation or a nicer home; but with a family, financial decisions like those are not an option. You can't ask a family member to go without food or clothing so that the family can be better off financially.
So many families suffer through going without the necessities or working themselves to death, simply because they don't understand the basic principles of a family budget and how to implement one. This isn't for lack of trying. Members of the household will sit around the kitchen table with a pen and a notebook, and start planning a family budget by writing down income and expenses in order to figure out their finances. However, since there isn't ever usually enough income to cover all of the expenses, these meetings usually boil down to 'who has to give up what' so that the family can pay all of the bills. Of course, this results in arguments and hurt feelings, but no family budget. This is not the way to plan a family budget, but rather a way to shut down communication altogether. Read more..
Click on a column to see period balance and cumulative cash balance.
The basic use of this program is free. Please register
to save data for next sessions. It is the responsibility of users to ensure that the program suits their needs, since the majority of the functionalities are available in free version.
The program is provided for users "as it is" and cPlanning Software Ltd. is not liable for any damages, including compensatory, special, incidental, exemplary, punitive or consequential damages related to or resulting from this license agreement of usage of this software.
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about using this software is highly welcome. Your valuable comments help us improve our program. Please let us know which functions you find useful and which functionalities could be added.