Budgets
Year-end shocks are over.
See it before you pay.
Plan the year from last year’s books, then every line against it.
From your own books
Next year’s plan,
from this year’s books.
Start from this year’s actuals, a template, or the spreadsheet you already have. On Premium, Cybooks AI drafts it and says why each line moved.
On every plan · Cybooks AI on Premium
Against your books
Actuals to the cent,
straight from your books.
Actual comes from your profit and loss, to the cent, with what is already on the way shown apart, and what is left.
On every plan
Why it’s over
Why a line is over,
in plain words.
Open a line to see it by supplier, the biggest bills and the months furthest over. On Premium, Cybooks AI writes the why, and every amount links to its bill.
On every plan · Cybooks AI on Premium
On the bill
Told on the bill,
before it’s paid.
Entering a bill shows what it does to its budget, above the totals. On Premium, a policy can send an over-budget bill to the line’s owner first. A budget never blocks anything.
On every plan · the policy on Premium
The right person hears
Each line has an owner.
They hear before you do.
Each line can have an owner who sees their lines, gets alerts at the levels you choose and a Monday email.
Premium
The Cyprus part
Built in, the Cyprus way.
Your financial year
Budgets follow your company’s year end, not the calendar.
Pay runs at their real cost
Gross pay plus the employer’s Social Insurance, GESY and the funds; net pay never counts twice.
Salaries kept private
Without payroll access, salaries fold into one line; totals never change.
To the cent
Actual is your profit and loss, in euros.
Never blocks
A budget never blocks a payment or changes your books.
From your books
Actual comes from your profit and loss.
Every change kept
Moves and revisions each carry a reason; History keeps the original.
Budgets, budget against actual and the hints on bills are on every plan. Owners, alerts, the Monday email, the approval hooks and Cybooks AI are on Premium. See the plans
Questions
Does a budget stop anyone from spending?
No. It never blocks or changes your books. On Premium, a policy can send an over-budget bill to the line’s owner first.
Where does Actual come from?
Your profit and loss, to the cent, with what’s already on the way shown apart.
Can I bring my spreadsheet?
Yes. Drop an .xlsx or CSV; Cybooks reads the columns and matches the names to your lines.
What’s on Standard?
Budgets, Compare, budget against actual, import and the hints. Owners, alerts, the approval hooks and Cybooks AI are Premium.
Can I change the plan after it’s active?
Move budget between lines (the total stays) or revise it, each with a reason. History keeps the original.
Budgets should happen as
your business happens.
Start free for 14 days, no card. You answer a few questions.