Cash flow forecasting and P&L planning
Anticipate your liquidity needs, project your P&L, and run what-if scenarios. All connected in real time to your real accounting — no spreadsheets, no manual updates.
Financial plan
P&L and cash
Forecast your P&L and your cash
Project your profit & loss and cash flow 3, 6, or 12 months ahead. Holded auto-calculates collections, payments, VAT, taxes, and recurring expenses straight from your real invoices and bank movements.
12-month P&L view
Visualise projected revenue, costs, and margin, broken down by accounting line.
Future cash position
Know exactly how much cash you will have each month based on outstanding invoices, scheduled payments, and recurring expenses.
By account and category
Drill down collections, payments, and taxes at the accounting level. Spot quickly where the money goes.
Multiple scenarios
Run as many scenarios as you need
Build optimistic, pessimistic, and base-case scenarios on the same data. Compare how a new hire, a product launch, or a delayed payment affects your cash. Decide with data, not gut feel.
Unlimited scenarios
Duplicate your base case and tweak assumptions: revenue, costs, payment terms, collection delays. Compare them side by side.
What-if analysis
What if I lose my biggest client? What if I raise prices 10%? What if I open a second office? Measure impact before you commit.
Actuals vs. forecast
Compare your forecast against reality month after month to refine your model and improve accuracy over time.
Fully automatic
Connected to your real accounting
Forget exporting to Excel and updating spreadsheets by hand. The forecast updates itself from your issued and received invoices, recurring fees, reconciled bank movements, and taxes. Every change is reflected instantly.
Live data
Every invoice, expense, or bank movement updates the forecast in real time. No CSV imports, no copy-paste.
Go deeper into cash flow and treasury
Resources to understand your cash flow and improve your forecasting.
Full treasury software
Connect banks, automate reconciliation, and monitor your cash flow on a single platform.
Bank reconciliation rules
Rules that auto-reconcile your bank movements and keep the data fresh for your forecast.
Accounting software
The real accounting that powers the forecast: invoicing, expenses, taxes, and closes connected end to end.
Frequently asked questions
Cash flow forecasting is the estimate of the inflows and outflows your business will have over a future period (3, 6, or 12 months). It lets you anticipate liquidity issues, plan investments, and simulate the impact of decisions before you make them.
P&L forecasting projects revenue and expenses on an accrual basis (when they are incurred), while cash forecasting projects actual collections and payments (when money moves). Holded shows both side by side so you can see the gap between accounting profit and real liquidity.
The forecast is fed automatically from your issued and received invoices, recurring contracts, reconciled bank movements, and taxes calculated in Holded. You don't import anything manually — every change in your accounting is reflected instantly in the forecast.
Yes. You can create unlimited scenarios (optimistic, pessimistic, hiring plan, product launch...) by tweaking assumptions on the same base data. Holded lets you view them side by side so you can decide with confidence.
