Know your numbers. Plan your growth.
Run your business.

PlanGuru gives small business owners the budgeting, forecasting and reporting tools
to make confident decisions — without needing a full finance team to do it.

Financial Planning Software built for Businesses of all types

Most small businesses run on gut instinct and a QuickBooks dashboard. That works — until it doesn’t. Cash gets tight, a big expense hits, or growth stalls and nobody can explain why.

PlanGuru gives you a forward-looking financial model that connects your income statement, balance sheet, and cash flow (and non-financial metrics) — so you can see what’s coming, plan around it, and make decisions based on numbers, not hunches. Whether you’re a business owner doing this yourself or working with a fractional CFO or bookkeeper, PlanGuru fits the way small businesses actually operate.

Manufacturing and distribution

Service and professional firms

Restaurants and hospitality

Construction and trades

Healthcare practices and clinics

Software

Retail and e-commerce

Budget smarter, forecast with confidence, and keep a clear view of cash — without living in spreadsheets.

Everything you need to plan, adapt, and grow — in one connected model.

Multi-Department and Location Budgeting

Build budgets at the department, location, or cost center level and roll them up into a single consolidated view.

Revenue and Expense Forecasting

Project revenue by product, service, or customer segment with 20+ built-in forecasting methods.

Budget vs. Actual Reporting

Pull in actuals, spot variances early, and take action before they become problems.

 

Cash Flow Planning

See exactly when cash comes in and goes out so you’re never caught off guard by payroll, taxes, or a slow month.

Rolling Forecasts and Scenario Planning

Update your forecast with real results and model best and worst case scenarios.

QuickBooks, Xero, and Excel Integration

Import your historical data in minutes. No manual re-entry, no reconciling two systems.

Stop flying blind on cash flow

For most small businesses, cash flow is the number that matters most and the hardest one to see coming. PlanGuru’s integrated 3-way financial model connects your income statement, balance sheet, and cash flow statement in one place. Every revenue assumption and expense line flows through to your cash position automatically, so you can see months ahead, not just this week.

Enterprise-level planning at small business scale

Large companies have finance teams running scenario models and rolling forecasts. Small businesses have historically made do with spreadsheets and year-end surprises. PlanGuru changes that equation. With 20+ forecasting methods, multi-year planning up to 10 years, and a connected financial model that updates automatically, you get the same analytical horsepower as a much larger organization — at a price point built for SMBs.

Your books are already in there

If you’re using QuickBooks Online, Xero, or other accounting packages via Excel, getting started in PlanGuru takes minutes — not weeks. Import your historical financial data directly, build your budget on top of what’s real, and start comparing plan vs. actual from day one. No double entry. No manual mapping. No spreadsheet gymnastics.

When things change, adapt fast

Business never goes exactly to plan. Seasons shift. A client churns. A new opportunity shows up and you need to know if you can afford to chase it. PlanGuru’s rolling forecast capability lets you update your projections as actual results come in, so you always have a current, honest picture of the year ahead. And with scenario analysis, you can model the “what ifs” before you commit.

Frequently Asked Questions

Business FAQs

Yes — that’s exactly who it’s built for. PlanGuru gives business owners and their advisors enterprise-level planning tools without needing a full finance department. PlanGuru University also offers free training to help you get up to speed quickly.

Yes. PlanGuru integrates with QuickBooks, Xero and other accounting systems via Excel to pull in actuals, so you can compare budget vs. actual performance without manual data entry.

Most organizations are building their first budget model within a few hours. Every PlanGuru subscription includes onboarding assistance.

You can get started using our Help Center, implementation guides with PlanGuru, and video tutorials, or schedule a one-on-one onboarding session with a dedicated Budgeting Analyst to help you get up and running.

If you’d like additional assistance building your budgeting or forecasting model, our PlanGuru Launch Service provides hands-on implementation and custom model development to help you get started faster.

Business Plans start at a flat monthly rate of $99/mo. with no long-term contracts required. See our Business Plan pricing for current plan details.

No. PlanGuru is designed for finance leaders at all experience levels.

Both. PlanGuru is a full planning platform — you can build an annual budget, run rolling forecasts, model multiple scenarios, and generate detailed dashboards and board or lender-ready financial reports, all in one place.

Yes. You can budget at the department, location, or cost center level and consolidate everything into a single organizational view.

PlanGuru produces integrated income statements, balance sheets, and cash flow statements, plus budget vs. actual variance reports, financial ratio analysis, and multi-year projections. Reports can be exported for presentation to lenders, investors, or advisors.

Yes. Scenario planning is built into PlanGuru. You can create and compare multiple versions of your financial plan to stress-test assumptions and prepare for contingencies.

PlanGuru supports financial projections up to 10 years (first 3 years by month), with 20+ forecasting methods — from simple percentage-of-revenue assumptions to custom driver-based models.

Yes. The cloud-based PlanGuru App supports multi-user collaboration. Your advisor can work inside the same model alongside you.

Ready to take control of your business finances?

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