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Money that isn't really available
It is easy to spend money that is sitting in your account without realising part of it will later be needed for VAT, tax or upcoming expenses.
ESIO includes those future payments in your liquidity planning so you can see what is really available.
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No clear view of what comes next
Your accounting shows what has already happened.
But what happens if sales drop next month? Can you afford new equipment? What if you hire someone? What will your bank balance look like after your next VAT payment?
ESIO helps you turn those questions into numbers.
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Decisions based on guesswork
Business decisions become much easier when you can see their financial consequences.
Change your budget, add an expense, adjust your expected income or create another scenario and immediately see how the numbers change.
How most budgets are made today
Most small businesses don't keep a budget at all. The few that do keep it in a spreadsheet. It works, up to a point.
A spreadsheet
ESIO
You type every number by hand.
Your actual figures come in from Dinero or e-conomic.
VAT and tax, and when they fall due, you work out yourself.
VAT and tax are worked out for you, with the dates they fall due.
One wrong cell breaks the totals, and nothing tells you.
The totals are calculated for you.
It stays where you left it while your books move on.
It follows your books as they change.
It shows what the year adds up to.
It shows the month the money runs short.
Comparing plan and actual is copy and paste.
Plan and actual sit side by side, month by month.
Only the person who built it can trust it.
Everyone in the workspace reads the same numbers.
ESIO keeps what works about a spreadsheet, the freedom to plan your way, and does the rest for you.
