Plans that sit on reconciled numbers.
For planners, and for anyone who plans a business and a household together. Budgets, goals, drivers and forecasts live beside the actuals they are measured against, in the same double-entry books, so a variance is a fact rather than an estimate.
| Line | Budget | Actual | Variance |
|---|---|---|---|
| Birch Consulting | |||
| Software | 450.00 | 512.40 | (62.40) |
| Travel | 1,200.00 | 1,835.60 | (635.60) |
| Contractors | 6,000.00 | 5,400.00 | 600.00 |
| Household | |||
| Groceries | 1,100.00 | 1,043.18 | 56.82 |
| Utilities | 380.00 | 402.75 | (22.75) |
| Totals | 9,130.00 | 9,193.93 | (63.93) |
5210The plan
The plan and the books, on one page.
A budget in Analytical Ledger isn't a separate file. It is set against the same accounts the bank feed and the journal post to, so the comparison is always current.
Budgets and budget vs actual
Budget by entity and account, then compare against what posted, with favorable and unfavorable variance.
Goals and drivers
Set goals and drive the plan from the few numbers that move it.
Forecasts and cash outlook
Project revenue and cash forward from today's books, including a 13-week cash forecast.
Money Map
See how money moves between the entities in a group, from the business to the household.
5220Household and business
Kept apart. Planned together.
Personal finances are an entity of their own, not a category inside a company. The business and the household each keep their own books, and a consolidated view shows the whole picture with what they owe each other eliminated.
- Maple Street Holdingsholding
- Maple Street Rentals LLCoperating
- Birch Consulting LLCoperating
- Householdpersonal, funded by distributions
- Each entity has its own chart of accounts and periods, from a 118-account library mapped to IRS Schedule C and Form 1120 lines.
- Distributions from a business to the household are recorded in both books and eliminated in the group view.
- Bank and card files come in through CSV or OFX import, or bank feeds through SimpleFIN with your own SimpleFIN Bridge access.
- Every entity keeps its books in US dollars; multiple currencies are planned, not built.
5230The month
A planner's month, on the record.
- WeeklyNew transactions, categorized by your rules and reviewed before they post.ImportShipped
- Mid-monthBudget against actual, with the variance per line.BudgetShipped
- Month-endReconcile, close the period, then trust the comparison.Reconcile · PeriodsShipped
- QuarterlyRe-forecast from the drivers, against what actually happened.Budget · ForecastShipped
- AnywhereAsk your agent why travel is over budget.al_budget_vs_actualPreview
Invoices for the clients you bill
Issue invoices and record payments. Customers' invoices and payments can be served to a client portal through a versioned API.
Statements to share
Profit and loss, balance sheet and the report packet, shared by link or exported to CSV.
5240Your agent
Ask why. Get the evidence.
Your agent reads budgets, forecasts and actuals through named tools, limited to the entities and year you grant, and answers with the numbers behind them.
“Why are travel expenses over budget?”
al_budget_vs_actualledger.read
“What does the cash forecast look like for the next 13 weeks?”
al_cash_forecastledger.read
“Which budget drivers moved the forecast?”
al_budget_forecastledger.read
“List the budgets for the household this year.”
al_budgets_listledger.read
Shipped MCP over HTTPS Preview From your phone, on a hosted instance
How agent access works →1100Entities
Every company, and the household, in one place
Each entity keeps its own books. Consolidated views add them up and eliminate what they owe each other.
Separate books per entity
ShippedCompanies, holding structures and personal finances are each a first-class entity with their own chart and periods.
Consolidation with intercompany elimination
ShippedAccounts flagged intercompany drop out of consolidated reports, so the group view does not double count.
Note: Equity-method elimination is not included.
Lines never cross entities
ShippedA line can only use an account that belongs to its own entity, checked in the app and by a database trigger.
Money Map
ShippedSee how money moves between your entities across the group.
Multiple currencies
PlannedBooks in more than one currency.
Note: Today every entity keeps its books in US dollars.
1200Banking
From the bank to a reconciled ledger
Bring transactions in, categorize them with rules you control, and reconcile to the statement.
CSV and OFX import
ShippedImport bank and card files with duplicate detection and a review step before anything posts.
Categorization rules
ShippedRules propose the account for each transaction. You review and accept.
Bank feeds through SimpleFIN
ShippedSync transactions from your bank on a schedule into the review queue.
Note: Needs your own SimpleFIN Bridge access.
Reconciliation
ShippedMatch the ledger to the statement. A reconciled period is locked against edits.
Stripe payouts
ShippedBring Stripe revenue and payouts into the books.
1500Planning
Budgets and forecasts on the real books
Plans sit next to actuals, so the variance is always one click away.
Budgets and budget vs actual
ShippedBudget by entity and account and compare against what posted.
Goals and drivers
ShippedSet goals and drive the plan from the few numbers that move it.
Forecasts and cash outlook
ShippedProject revenue and cash forward from today's books.
c/fCarried forward
Plan on the books, not beside them.
Ask for early access to the Windows download and the source, or request a hosted instance of your own.