Fiscal Flowcast for Small Businesses

Whether you're a freelancer, sole trader, or running a small team, Fiscal Flowcast gives you a single view of your business finances — income, expenses, cash flow, and forecasts — without the overhead of enterprise accounting software.

Step 1 — Set up your business entity

Every business in Fiscal Flowcast lives inside an entity. An entity keeps your business finances cleanly separated from any personal accounts you might also track.

Go to Settings > Entities and create a new entity for your business.
Give it a recognisable name (e.g. "Acme Consulting Ltd").
Switch to that entity using the entity switcher at the top of any page.

Step 2 — Connect your business bank account

On Basic or Premium, link your business current account (and any credit cards) via Plaid so transactions import automatically. Free accounts enter transactions by hand. Linking saves manual entry and keeps records current.

See How to link your bank account for a step-by-step walkthrough.

Step 3 — Categorise your income and expenses

Fiscal Flowcast auto-categorises most transactions. Review and correct any mis-categorised items so your reports reflect the true picture of the business. Set up income allocation rules to automatically split recurring income across categories (e.g. tax reserve, operating expenses, owner draw).

See Transaction tracking and Income allocation rules.

Step 4 — Set a budget

Create a monthly budget for your key expense categories (marketing, software, contractors, etc.) so you always know where you stand against your spending plan. Fiscal Flowcast highlights budget overruns in real time.

See Budgets.

Step 5 — Forecast your cash flow

Add your recurring income (client retainers, subscriptions) and expenses (rent, payroll, SaaS tools) as recurring transactions. The forecast engine will project your cash position weeks or months ahead, flagging any potential shortfalls before they become a problem.

See Financial forecasting and Recurring transactions.

Recommended plan

Most small businesses use Basic ($9.99/month or $99.99/year) for unlimited accounts, the cash flow forecast, and up to 3 workspaces. Premium ($19.99/month or $199.99/year) adds unlimited workspaces and saved named scenarios. See Plans and limits for a full feature comparison.

Quick links for small businesses

Managing your accounts
Setting up recurring transactions
Reports and exports
Plans and limits

Getting Started with Fiscal FlowcastLearn how to set up your account, create your first entity, and start tracking your finances.
Managing EntitiesCreate and switch between entities (personal, business, or project) and understand plan limits.
How do I link my bank account?Basic and above: connect a US bank with Plaid to import transactions and balances. Free accounts add accounts and transactions by hand — no bank linking or sync.
Financial ForecastingUse forecasting tools to project your financial future and plan accordingly.
Creating and Managing BudgetsSet up budgets, track spending, and monitor your financial goals.
Plans and Feature LimitsUnderstand what each plan includes, why a feature might be locked, and how to upgrade.

Fiscal Flowcast for Small Businesses