Financial Planning

Budgets & Forecasting

Stop running your business on last month’s numbers. Cash flow forecasts, 12-month budget models, and rolling scenario plans that give you a clear view of where your business is heading — and what to do about it.

Book a free consultation All services

12-month rolling budget model

3 scenarios base, upside, downside

Monthly variance reporting & reforecast

What we deliver

Proactive financial management, not just historical reporting

Most accountants tell you what happened. We help you plan what happens next. Our budgeting and forecasting service gives South African business owners the financial models and forward-looking analysis they need to make confident decisions.

12-month budget model

A detailed, line-by-line budget built around your business model — revenue by product or service, fixed and variable costs, staffing, and capital expenditure. Updated monthly.

Cash flow forecasting

Know whether you’ll have cash on hand three months from now. We model receipts, payments, tax obligations, and seasonal patterns to give you a reliable forward view of your cash position.

Scenario planning

What happens if your biggest client leaves? What if you hire two more people? We build base, upside, and downside scenarios so you can stress-test decisions before committing to them.

Rolling reforecasts

Business conditions change. We update your forecast each month based on actual results, keeping your 12-month view current rather than letting it drift into irrelevance.

Budget vs. actual variance

Monthly comparison of actual results against your plan, with plain-English commentary on where you’re ahead, where you’re behind, and what to do about it.

Tax planning integration

Your budget accounts for provisional tax, VAT cash flows, and PAYE timing — so tax obligations don’t create surprises when they fall due.

Our approach

How we build your financial plan

Understand your business model

We start by understanding how your business generates revenue, what drives your costs, and what your growth objectives are for the next 12 months. No generic templates — every model is built for your specific business.

Build the base model in Xero

We build your budget and cash flow forecast directly linked to your Xero accounting data. Actual results feed in automatically, making variance analysis straightforward rather than a manual exercise each month.

Model your scenarios

Using your base model, we create upside and downside scenarios around your key assumptions — revenue growth rates, major expenses, staff changes, capital investment — so you can see the financial impact of different outcomes.

Monthly review and reforecast

Each month we review actual results against plan, update the rolling forecast, and brief you on variances and what they mean. You stay in control of your financial trajectory rather than finding out where you ended up at year-end.

Common questions

Budgets & forecasting — answered

Do I need to be on Xero for this service?

Xero is strongly recommended because it allows us to link actual results directly to your budget model. If you’re not yet on Xero, we can handle migration as part of onboarding. We can also work with other cloud platforms on a case-by-case basis.

How is this different from a management report?

Management reports are backward-looking — they tell you what happened last month. Budgeting and forecasting is forward-looking — it tells you what’s likely to happen next. The two services complement each other and most clients run both together.

How long does it take to build the initial model?

Typically two to three weeks from onboarding to a reviewed, signed-off budget model. This includes a kickoff conversation, the model build, and a review session with you before we finalise the numbers.

What if my business changes mid-year?

We rebuild or substantially update the model when your business changes materially — a new product line, a significant hire, a new premises. This is part of the rolling reforecast process, not an extra charge.

Can you do a standalone once-off budget?

Yes, for specific purposes like investor presentations, loan applications, or board reporting. We can build a standalone model. Most clients then move to a monthly service once they see how useful the ongoing reforecast is.

Is this suitable for early-stage businesses?

Absolutely. Early-stage businesses arguably benefit most from scenario planning — when cash is tight and decisions carry more risk, knowing your runway and sensitivity to key assumptions is critical. We’ve built models for businesses from day one.