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Managing your money

How accountants can help their clients to plan scenarios using Fluidly

This is an incredibly difficult time to run a business, with cashflow planning more important than ever. We’ve updated Fluidly to help.

Fluidly’s Goal Planner tool is designed for ‘what if?’ planning, which we’ve expanded in the light of coronavirus. You can now use it to look at scenarios like:

  • What if my revenue drops?
  • What if I cut my costs?
  • What if I take out a loan?

How does Goal Planner work?

When your client makes a change to their business or works towards a new goal, it can be hard to predict how it will affect their costs or revenue.

Goal Planner, which is available for free, lets you quickly do this by sliding left or right and displaying how the cashflow projection could go up or down.

See how it works here:


Planning for reduced revenue or costs

Many of your clients will be looking at a reduction in revenue over the coming months, particularly those who operate in areas such as leisure and hospitality.

Modelling for the effects of reduced revenue in Fluidly is as simple dragging the slider, which automatically plots the selected change onto the forecast. Here’s a few examples of how it could be used by different businesses:

  • Recruitment: an agency placing fewer hires may adjust predictions for a fall in revenue
  • Hospitality: a restaurant offering more delivery options may look at the cost of buying more packaging supplies
  • Printing: a leaflet printing company with fewer orders to fulfil may consider the effects of buying less paper

Planning for funding or government support

As the coronavirus crisis continues to develop, the government has announced a raft of measures to support UK businesses. These include business rates holidays, the Coronavirus Job Retention Scheme and the deferring of VAT.

Business owners can input these cost reductions into Goal Planner to see instantly how their cashflow will be affected over time.

If your clients are applying for funding through the Coronavirus Business Interruption Loan Scheme, you can use Goal Planner to project how a loan will affect their business.

The tool makes it easy to understand how the loan, the repayments and the interest it acquires, will shape your clients’ cashflow in the long term.

More Goal Planner updates coming soon

We’ll be rolling out more and more Goal Planner functionality, as we continually update Fluidly to support businesses through Covid-19.

Over the coming weeks we’ll be introducing even more granularity to the tool. Users will be able to see the effect of more detailed cost-cutting, by searching for specific account lines and adjusting individual areas of spend.

For example, a business might want to reduce spending for their monthly rent or IT hardware costs. Once an account line is selected, they can then fine-tune different levels of cost-cutting and what these scenarios might look like.


Join Fluidly today and try Goal Planner for yourself. Or, if you’re already a member log in to get started.

If you want to speak to one of our partner consultants about how you can use Fluidly in your practice, book a call here.

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