Budget from last year
Set a 12-month budget for a company or a group. It starts from last year's actuals; edit it in a grid or in Excel.
Cash forecast & planning
See the tight week before it comes.
A 13-week cash forecast built from what customers owe and what you owe, rolling forecasts against budget, and alerts when a number crosses a line you set.
13-week cash forecast
Lowest point · week 7
148.6
Closing · week 13
327.5
Cash today412.0
Customers pay in+618.4
Bills, payroll & planned out(702.9)
Minimum 200.0
First week below 6
How each line is built
Starts from today's cash. Goes week by week.
- Customers' invoices from Xero, Zoho Books and Tally come in on their due dates.
- QuickBooks aging comes in buckets, so current balances are spread over weeks 1–4.
- Anything more than 30 days overdue counts at a collection percentage you set, over weeks 3–6, so old debts don't prop up the forecast.
- Supplier bills go out on their due dates.
- Planned items such as payroll, rent, loan repayments and tax: once, weekly, fortnightly or monthly.
Every assumption is listed in a box on the page, next to the chart, and the whole forecast exports to Excel.
Weeks 1–13 · USD '000
Cash today412.0
Customers' invoices, by due date+571.4
Over 30 days overdue: 94.0 at 50% collection+47.0
Supplier bills, by due date(348.1)
Payroll, monthly 3 × 88.6(265.8)
Rent and loan repayment, monthly 3 × 14.0 and 3 × 9.0(69.0)
Advance tax, once(20.0)
Closing cash · week 13327.5
Minimum & lowest point
Know which week, not just which month.
Set the least cash you're comfortable holding. The forecast shows closing cash for every week, the lowest point, and the first week it drops below your minimum. That's the week to chase a big invoice or move a payment.
Run it for one company or for a consolidated group. In a group, intercompany parties with matching names are left out, so money moving between your own companies doesn't count as cash coming in.
Closing cash by week · USD '000
- Week 1: 381.2
- Week 2: 352.6
- Week 3: 301.4
- Week 4: 266.0
- Week 5: 221.9
- Week 6: 183.5, first week below the minimum
- Week 7: 148.6, lowest point
- Week 8: 190.3, below the minimum
- Week 9: 228.7
- Week 10: 251.0
- Week 11: 284.2
- Week 12: 301.8
- Week 13: 327.5
First week below minimumWeek 6 · 183.5
Lowest pointWeek 7 · 148.6
Budgets & rolling forecasts
Where the year lands, every month.
Budget vs actual
Actuals are compared with the budget line by line, with each variance marked favourable or unfavourable.
Rolling forecast
Months gone show actuals. The rest are projected from the remaining budget, a 3-month run rate, or last year plus a growth %. Override any month, then save it as a new budget version.
Full year against budget and last year.
See the full-year figure next to the budget and last year, with a chart, and export it all to Excel.
Full year to March 2027 · USD '000
Revenue actual, Apr–Sep1,980.0
Projected Oct–Mar, run rate2,142.0
Full-year forecast4,122.0
Budget4,000.0
Variance · favourable+122.0
Last year3,640.0
Alerts
Told when something trips. And when it recovers.
Halfkit checks every day: cash runway, cash, receivables over 90 days, intercompany gaps, revenue and net margin, each against a limit you set. It emails you when a check trips and again when it recovers, and posts to Slack if you connect it.
Daily checks · Northwind Group
Cash runway under 6 monthsOK
Cash below 200.0OK
Receivables over 90 days above 50.0Now 94.0Tripped
Intercompany gap over 1.0OK
Net margin below 15%OK
Questions
About forecasting.
Is this a three-way forecast with scenarios?
No. The 13-week forecast is a cash view built from receivables, payables and the planned items you add. Halfkit doesn't do driver-based P&L, balance sheet and cash forecasts with scenarios. Rolling forecasts project the P&L against your budget.
How are very overdue invoices handled?
You set a collection percentage for amounts that are very overdue, and only that share counts as cash coming in. In the example above, 94.0 more than 30 days overdue at 50% adds 47.0.
Does a group forecast count money moving between our companies?
No. For a consolidated group, customers and suppliers whose names match another company in the group are treated as intercompany and left out.
Where do alerts go?
By email, and to Slack if you connect it. You hear when a check trips and again when it recovers.
Know week 7 now.
Connect a company and build your first 13 weeks. Each company gets 90 days free from signup (first 100 signups, with 100 AI credits), no card needed.