This is for my own business

Say it in your own words.Get back a plan you can stand over.

Know when the money runs out, before it does. No spreadsheets and no formulas. Describe the business, answer a few questions, and the accounts come back done. The month you break even, the month you can pay yourself, and what the bank will want to see.

Any trade
217 countries, each with its own tax and payroll rates
Month by month, up to five years

Start my plan See what a plan contains →

The old way

A spreadsheet you cannot check.

One wrong cell and every number after it is wrong too. You cannot see it, and neither can the bank. And it never tells you the thing you lie awake about — is there enough to pay everyone next month?

How it works

Three steps, and you only do the first one.

1 Say what you do
A few sentences in your own words. What you sell, who buys it, where you are.
2 Answer a few questions
Things your story did not settle. Sole trader or company. Rent or own. Our best guess is offered first.
3 Read your plan
The accounts come back done, with every figure yours to change.

Already trading

Not just for a business that has not started.

Already trading? Good. Put in what you own, what you owe and what you kept, and the plan starts from there. Most small businesses are already going, and most planning tools assume they are not.

Two ways to work

Read it as sentences. Or read it as numbers.

The same plan, two views. Your Story writes it out in plain English. Then you can read your own business back and spot what is wrong. Your Figures is the same thing as a table, for when you want to scan.

What you get

A full set of accounts, and thirteen reports.

Profit and loss, cash flow and balance sheet, all three tied together. Break-even, a health check against your trade, a funding ask, and the schedules behind every line.

Basic financial reports

Statements

Schedules

Assumptions & Inputs

Summary & Story

Advanced analysis reports

Viability

Risk & Sensitivity

Funding & Valuation

Three ways to end up with a plan.

Nobody here is doing a bad job. A firm builds you a good document and earns its fee. A spreadsheet is free and yours. This is what each one costs you, and what you are left holding.

	Pay someone to build it	Build it yourself	Here
What it costs you	about €3,500	Your own weeks	€250
How long before you have it	Four to twelve weeks	As long as you keep at it	Less than 10 minutes
Whether the figures agree with each other	Yes, after a few rounds	Only if you know how to check	Checked before you see it
Changing one figure later	Ask, wait, pay again	Unpick the formulas	Change it and the rest follows
When someone asks where a figure came from	You have to go back and ask	You typed it in	You said it yourself, in your own words

The cost

A €3,500 plan. For €250.

That is what a firm charges a small business for a plan built from scratch, and they are worth it. This is the same shape of document, built from your own words, in less than 10 minutes.

See the full price list →

What owners say

People who were dreading this bit.

“I could read my own plan back and see what was wrong with it. That had never happened before.”
Café owner, Wexford
“The bank asked where a number came from and I could tell them, off the page.”
Joiner, Galway
“It found a hole in my cash six months out. I had not seen it.”
Florist, Cork
“It told me the plan did not work. I would rather find that out now.”
Barber, Sligo

What it does not do

It does not file anything for you, and it is not your accountant.
It does not send you to a spreadsheet. You get a PDF, or you print it.
And it is a projection, not a set of real accounts. That is what a bank asks for before you have started. Every page says so.

Questions

Questions owners ask.

What if it is no good?: You get your money back, with no conditions. If the plan it gives you is not one you can use, say so and we refund it. You should not be paying for a document you cannot stand over.
What does it cost?: €250 for one plan, and that is the whole thing — every report, the full set of accounts, and a year of changing it whenever you like. More than one plan costs less each. The price list has every figure.
What happens after the first year?: Reading it, printing it and saving it as a PDF never stop, and neither does what you already built. Changing it costs €100 a year after the first year. Do nothing and it simply stays readable.
Will I know if my bank has read it?: Yes. You see everyone you shared it with, whether they have opened it, and when they last did. Somebody reading through a link without an account is listed too.
Will it work for my country and my trade?: Yes. Your plan uses the tax bands, the sales tax and the employer costs for your own country. They are set when your plan is built, and we tell you if your country changes one. Nothing is fixed to one place. A sole trader, a limited company, a shop or a workshop all work the same way.
What if I have not started trading yet?: That is who this is built for. You describe the business, what you plan to charge and who you plan to sell to. You need no past accounts and no sales to build a plan somebody will take seriously.
How do I know the sums are right?: Every plan comes with a report that shows the working. It says what basis the accounts are on, and how tax works where you are. The sums are done in code and checked, never guessed. That is why the three statements always agree.
What if they ask me a question about it?: You can read the whole plan back before you go in. It is written out in plain English, a sentence at a time, not a grid of numbers you have to decode. The figures we looked up carry their source and their year; the others are yours. Nobody hands you a document and leaves you to defend it.
Can more than one person read my plan?: Yes. You invite each person by name and choose what each of them can do. You can stop any of them at any time.
Can I get it into a spreadsheet?: You can save the whole report pack as a PDF at any time. There is no spreadsheet export, and that is deliberate. One stray edit to a formula breaks a sheet and nobody spots it. Change a figure here instead and the rest works itself out again.
Do I need to be an accountant?: No. You tell us what you do, where you are, and what you are planning. A few sentences in your own words is enough. Every figure has a line saying what it means and where it came from. If you know how your business works, you can build the plan.
What if I need to change something, or I got it wrong?: You change it. Everything you entered can be edited at any time. Add a product, a person or a cost, or fix a figure, and the rest of the plan follows. Nothing is locked, and nothing has to be right first time.
Is the AI making the numbers up?: No. It reads what you told us and looks up what your trade normally costs and earns. Then it shows you where each figure came from. You can change any of them.
What if my plan shows a loss?: Then the plan says so. We never bend a figure to make a business look better than it is. A plan that hides a problem is no use to you or to a bank.
What if I already know my numbers?: Then type them in and they stay. Anything you set yourself is never overwritten, and the plan works around it.
Can I send it to my bank without giving them my login?: Yes. Print the whole pack as one PDF and send it. That works today. Your bank needs no account and no password. Or send a link that shows only the reports. Only the person you name can open it, so you know who looked. You set how long it lasts.
Are these real accounts?: They are projections, not audited accounts — which is what a bank asks for at the planning stage. The sums follow the same rules a real set of accounts follows.
What if my trade is unusual?: The plan is built from official figures for your country and your trade. Where there are none, we say so rather than guess.
Is my business information private?: Yes. Nobody sees your plan unless you send it to them, and you choose how long they can read it for.
How long does it take?: Less than 10 minutes, from your first sentence to a finished plan.