Cash flow plan
Cash surprises are over.
See the low point today.
The next 13 weeks, from your bank, bills, invoices and VAT.
Cash today
It starts from what’s
really in the bank.
Every account you can spend or move today counts as cash, each with its balance and when it last synced. A notice account, petty cash and payouts still on their way stay out, and you can switch any of them.
On every plan
Day by day
Every payment, on
the day it lands.
Invoices on their expected date, bills on their pay-on date, VAT and the pay run on their own dates. Day by day, week by week, and on a calendar. All by payment date and including VAT, in euros at today’s ECB rate.
On every plan
Move a payment
Move a bill a week.
Watch the low point lift.
Pay two bills later and the short stretch is gone: “Covered. The lowest point is now €40.860,75 on Mon 2 Nov.” Or agree to pay a supplier in parts, with a note, and the plan spreads it over the Fridays. What-ifs try a bigger change without touching the plan.
Moves on every plan · what-ifs on Premium
Ask, and hear on Mondays
An answer when you ask.
An email every Monday.
Ask Cybooks “Can I pay Ionian Crane Parts this week?” and get the numbers with their source. Every Monday morning an email says what comes in, what goes out and the lowest point ahead; the bell rings when cash will run short.
On every plan
For the bank, and on your phone
A forecast your bank
can read, in two pages.
Two pages with the balance line, money in and out, the lowest point and where the numbers come from, as a PDF or Excel; Cybooks keeps the one it sent. On a phone: the answer, the next seven days and the fix.
The forecast for the bank on Premium · the phone on every plan
The Cyprus part
Built in, the Cyprus way.
Your Cyprus dates in it
VAT on its due date, and Social Insurance, GESY and PAYE at the end of the next month.
In euros, at today’s ECB rate
Accounts in other currencies, converted at today’s rate.
From Cyprus banks
Bank of Cyprus, Eurobank and Revolut, read-only.
Built from your real numbers
Your bank lines, bills and invoices; nothing typed in twice.
Read-only bank access
Through a regulated open-banking provider. The plan never moves money.
Where it lives
In Cybooks under Reports › Cash flow; Money › Cash flow in the new navigation.
13 weeks and everything to work them are on every plan. Premium adds the 6 and 12 months, what-ifs, kept forecasts and the forecast for the bank. See the plans
Questions
Is this my budget?
No. The plan is money in and out of the bank by payment date, including VAT. The budget measures profit against plan by book date, net of VAT.
Which accounts count as cash?
A balance you can spend or move today: bank feeds, manual bank accounts and PayPal by default. Payouts from Shopify, Stripe or Amazon count when they reach your bank; cash on hand and cards stay out unless you switch them on.
Can it move my money?
No. Moving a payment changes the plan and the bill’s pay-on date, never the bank.
What about other currencies?
Everything is shown in your base currency at today’s ECB rate.
Who sees salaries?
Only people who can see payroll. Everyone else sees one payroll line of totals.
Planning should happen as
your business happens.
Start free for 14 days, no card. You answer a few questions.