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Start from a blank sheet, load general ledgers as actuals, or use the AI estimate as a base, including seasonality. Apply ready-made rules for sales, personnel, purchases, investments, and loans, or edit the table freely, just like in Excel. Export your plans to Excel or share them with the client.
Three ways to start
Blank sheet, general ledger actuals, or an AI estimate that learns your client's seasonality.
Ready-made rules
Sales growth, salaries and side costs, purchases, depreciation, and loan schedules calculate themselves.
Free editing, like Excel
Type over any cell, copy rows, and add your own lines; the rules stay in sync.
Share or export
Invite the client to comment on the plan, or export it to Excel in one click.
Budget and forecast with the client
Plan investments in a few clicks
What does the cash flow look like if we hire new staff or open a new production facility?
Build even complex investment calculations in a few clicks and see instantly what they mean for your bottom line and cash balance. Optimize your cash position by simulating payment terms, loan interest and amortization schedules.
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Hiring and facility scenarios
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Payment terms for sales and purchases
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Loan interest, grace periods, and amortization
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Immediate impact on profit and cash balance
Automated reporting and encrypted sharing
Share budget follow-up in seconds
How much of your week should go to building reports?
If the answer is "as little as possible", riskrate is for you.
Run budget variance analysis with a click. Use the report templates controllers use most, from cash flow forecasts to board reports, and keep every report to the same standard regardless of the client. Share it as an encrypted link, with no login required for the client.
Budget vs. Forecast vs. Estimate. What's the difference?
Three tools, three jobs. Learn when to use each one and how they work together in your financial planning.
