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Plan budgets, costs and cash flow

Plan budgets, costs and cash flow: 72 free AI items you can run in Claude, ChatGPT or Gemini (45 skills, 13 agents, 12 workflows, 2 prompts). 72 of them are marked Tested and come first below.

Examples of what you get: product margin against true gross margin, with the gap in dollars and points; cash at day 0, 30, 60 and 180 for each of six levers; A 30, 60 and 90 day cash forecast with a low and high range for each.

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Specialists who do this

Hire a specialist for the whole job. Each one bundles several of these skills and runs in your own AI, for free.

• Hire an AI budget and forecast analyst
• Hire an AI cash flow and expense analyst
• Hire an AI cash pool interest and fee checker
• Hire an AI cash settlement forecast reviewer
• Hire an AI clinic claim cash reconciliation checker
• Hire an AI construction completion funding reviewer

See all 1,063 specialists

Often used withTrack your numbersResearch investments and business valueReconcile accounts and close the booksPlan stock, shipping and suppliersAll jobsPlan a job for plan budgets, costs and cash flow

Every plan budgets, costs and cash flow skill and workflow

• Product margin checkerTestedCheck your product margin before you set ad targets. Give it a price and every cost. Get gross margin, break-even ROAS and CAC, and a score.
• Cash flow improvement plannerTestedShare stock, sales, costs and cash. Compare six changes by cash freed at 180 days and profit impact.
• Cash forecast builderTestedBuild a 30, 60 and 90 day cash forecast from your invoices, bills and fixed costs. See if you can make payroll, with risks named.
• Department budget plannerTestedBuild a department budget from past spending and targets. Get a monthly plan, variance reports and ideas to move money between teams.
• Landed cost allocatorTestedWork out landed cost per unit for each product in a shipment. Paste your order lines and freight and duty invoices to see true margin.
• Spendable cash balance checkerTestedShare bank balances and cash restrictions. Check what is available and any gap against your minimum balance.
• Working capital cash change checkerTestedShare working capital and noncash changes. Find the cash used after removing takeover, currency and write-off effects.
• Budget and forecast builderTestedUse past sales, costs, and plans to predict income, plan spending, and check budgets against real results.
• Cash tied-up finderTestedShare receivables, stock, bills, sales and costs. See how long cash stays stuck and where to free it.
• Payment timing cash balance plannerTestedShare timed receipts and payments. Track cash through three settlement periods and find the largest funding gap.
• Spend savings finderTestedShare supplier payments and a date range. Get spend by category, top suppliers, and ranked savings leads.
• Store profit and loss builderTestedShare your sales and costs. Get a four-bucket P&L with targets and the line to fix first.
• Bad-year break-even testerTestedShare profit, exposure and cash-flow figures. Get break-even stress sums, risk evidence and gaps, without a forecast guarantee.
• Construction funding schedule plannerTestedShare approved costs and funding commitments. Get a period-by-period draw plan with uncovered costs shown.
• Daily contribution margin trackerTestedTrack daily contribution margin for your online store. Give it sales, costs and ad spend. You get a daily sheet with returns counted as expected.
• Factoring and supplier-finance cash-flow reviewerTestedShare financing terms, cash records and operating accounts. Get reported and analyst cash-flow views with debt effects and source gaps.
• Financial statement and budget reviewerTestedShare statements, budgets or forecast inputs. Get key ratios, budget variances, cash forecasts and valuation ranges.
• Freight trip cash margin calculatorTestedShare loaded and empty miles, fuel and trip costs. Get fuel totals, cash cost and contribution before overhead.
• Group cash pool interest calculatorTestedShare group deposits, loans, rates and dates. Get interest by company and the pool’s remaining spread.
• Hotel room revenue and cost checkerTestedShare room nights, rates and channel fees. Compare booking revenue after commissions and stated service costs, with cash settlement timing kept separate.
• Manufacturing yield and unit cost calculatorTestedShare batch weight, yield, costs and scrap prices. Get net batch cost and cost per good kilogram.
• Product mix capacity checkerTestedShare product quantities, margins and work hours. Check the mix's contribution and whether it fits the hours available.
• Production yield and capacity reviewerTestedTurn measured good output and scrap into unit costs. Compare product contributions and check the proposed workload against capacity.
• Project completion funding checkerTestedShare remaining project costs and confirmed funding. Find the cash gap before the work is complete.
• Restaurant portion cost calculatorTestedWork out what one portion of a dish costs and what the batch earned, from real weights, yield, cash costs and price.
• Restricted grant cash trackerTestedShare grant cash movements and approved uses. Separate restricted money from cash available for general spending, and flag funding gaps.
• Service hours and margin calculatorTestedShare paid and billable hours, fees and costs. Check the hours used and cash left after delivery.
• Shared service cost calculatorTestedShare team costs and work used. Get each team's share and any unused capacity.
• Startup cash forecast builderTestedUse monthly cash flows and growth plans to estimate runway, cash-out ranges, and fundraising timing.
• Startup finance advisorTestedGive it your numbers. Get runway scenarios, unit economics and a draft finance pack for board review.
• Startup financial model builderTestedGive your numbers and plans. Get a 3 to 5 year model with revenue, costs, cash flow and scenarios.
• Stock clearance cash trackerTestedShare stock costs and full-price and markdown sales. Check remaining units, sold-item contribution and total purchase cash recovered.
• Store profit and margin analystTestedBuild unit costs and a monthly profit report from invoices and sales. Split new and returning buyers, then track daily margins.
• Store revenue forecast builderTestedBuild a store revenue forecast from your spend, repeat customers and sales calendar. See the gap to your target and the actions to close it.
• Treasury forecast backtest checkerTestedCompare a frozen three-period cash forecast with actual net flows. Get period errors and cumulative cash drift.
• Treasury liquidity and payment timing checkerTestedShare bank balances, restrictions, past forecasts and confirmed flows. Get usable cash, forecast-error checks and a dated payment schedule.
• Utility restricted cash checkerTestedShare utility receipts, grant rules and bank records. Get separate collection and fund schedules, restricted balances and usable cash checks.
• Vehicle replacement cost analystTestedShare replacement costs, sale values and savings. Compare the cash effect of replacing a vehicle or keeping it.
• Water utility billing and cash checkerTestedShare water volumes, bills and receipts. Check unpaid balances and separate current collections from old arrears.
• Budget and forecast analystTestedGet a budget versus actual review with the reason behind each big gap, an updated full-year forecast and an action for each budget owner.
• Budget stress testerTestedShare your plan, cash and fixed costs. Get three downside cases, the cash left and your breaking point.
• Cash and currency risk plannerTestedShare cash, debts, upcoming payments and currency or rate exposure. Get a 13-week cash forecast, funding gaps and risk options.
• Cash flow and expense analystTestedGet a cash and expense review from your bank and card exports, with a cash forecast, the assumptions behind it and the weeks cash runs low.
• Cash pool interest and fee checkerTestedShare group cash-pool records, agreed rates and bank charges. Get entity interest schedules, a pool residual and a separate fee check.
• Cash settlement forecast reviewerTestedMatch dated payments with accessible cash. Compare actual flows with the frozen forecast and keep funding gaps visible.
• Channel cost and ROI comparerTestedCompare direct and partner sales costs. Get the full cost to serve, ROI and a verdict for each channel, plus a channel mix that holds up.
• Clinic claim cash reconciliation checkerTestedShare claim records, offsets, bank receipts and payment timing. Get a claims reconciliation and a schedule of cash actually available for payments.
• Construction completion funding reviewerTestedReview changed build costs and draw dates. Recheck interest and available funding, with any completion shortfall shown openly.
• Finance decision reviewerTestedGet a CFO-style decision brief for one money choice, with options, cash impact, a downside case and the numbers to check first.
• Financial analyst agentTestedGet your financial model checked: recalculated figures, errors, base, best and worst cases, and which assumption could change your decision.
• Financial model builderTestedUse past results and growth and cost inputs to forecast profit, cash, and business value.
• Financial model refresherTestedUpdate your financial model after earnings or new guidance. See what moved in your estimates, what it does to value, and the biggest changes.
• Hotel room and food contribution checkerTestedShare room receipts, channel fees, food batches and separate costs. Get matched room and food subtotals with open cost gaps.
• Late invoice and cash forecast reviewerTestedTrack unpaid invoices and draft suitable reminders. Get payment gaps and a cash view that keeps promises separate from money received.
• Linked financial model builderTestedBuild a linked three statement financial model from your past accounts. Income, balance sheet and cash flow tie out, with a balance check.
• Marketing budget scenario plannerTestedForecast a new marketing budget from your past spend and results by channel, with a cautious and an optimistic case and diminishing returns built in.
• Monthly store profit reviewerTestedBuild a consistent monthly profit view. Compare costs and margins, investigate large changes and rank proposed fixes.
• Nonprofit operating budget plannerTestedShare past costs, funding plans and program needs. Get a draft budget with clear totals and rules for shared costs.
• Operating cash and financing reviewerTestedCheck how financing changes cash. Match the records, keep reported figures intact and show gaps in the comparison.
• Per-order profit calculatorTestedPaste your price and every cost per order. Get the profit per order, the break-even and what moves it most.
• Production cost variance explainerTestedFind out why production cost missed the standard. Give it standard and actual figures, and get a production cost variance report by cause.
• Production yield and cost reviewerTestedConnect measured production yield with product costs and capacity. Show changed assumptions without treating a ranking as a production order.
• Project cash and debt coverage reviewerTestedLink project cash with debt payments and loan cover. Check source basis so working-capital changes are not counted twice.
• Project cost progress trackerTestedCheck if your project is on budget and on time. Give it budget, planned work and spend. You get cost and schedule scores and a final cost forecast.
• Project debt reserve and payment reviewerTestedCheck debt reserves and payment order. See required top-ups, unpaid items and rules still to verify before releasing cash.
• Seasonal cash forecast and buffer plannerTestedShare cash balances, dated bills and expected receipts. Get a cash forecast, downside case and options checked against your chosen buffer.
• Service capacity and cost reviewerTestedShare paid hours, client work, fees and separate support costs. Get delivery margin, shared-cost splits and unused-capacity costs.
• Software spend auditorTestedFind where you pay twice for software. Give it your spend list and get spend by category, duplicate tools and a plan to cut suppliers.
• Startup cash and board finance plannerTestedBuild cash scenarios, estimate when funds may run out and prepare finance choices and triggers for the board.
• Store financial model builderTestedGive it ad budget, CAC, prices and costs. Get a 36-month store model with cash and runway.
• Utility collection and grant cash reviewerTestedSplit utility bill money from grant money and find the cash you can spend. Get a cash bridge, grant payments awaiting proof and any signed loan test.
• Vehicle replacement cash flow modelerTestedReview current trip costs, then compare the extra cash costs and savings from replacing a vehicle on the same workload.