WCapsuleM8

Finance & Accounting

Budgets, margins, cash and the ledgers on both sides of it.

Investment & Capital Planning

Justify the spend before it happens, and plan when assets have to be replaced.

Finance & Accounting

Analyze capital equipment investments: payback, NPV, IRR, ROI, discounted payback, sensitivity and scenario comparison. Runs entirely in your browser. No installation, no account, no upload.

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Cash & Expense Control

Account for the small money — petty cash, claims and cards — before it becomes big money.

Finance & Accounting

Run a petty cash float: record top-ups, small expenses and reimbursements, watch the running balance, spot missing receipts, and print a reconciliation you can hand to your bookkeeper. Nothing is uploaded.

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Budgeting & Management Accounts

Set the budget, close the month, and explain every variance against it.

Finance & Accounting

Run a cost centre month by month: phase the annual budget, post actuals and commitments, and see variance, variance percentage and the real spend position before the overspend arrives. Nothing is uploaded.

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Receivables & Collections

See what customers owe, how old it is, and who to chase first.

Finance & Accounting

Age your unpaid invoices into buckets, see what is overdue and by how far, work out days sales outstanding, and print a chase list for whoever is collecting. Runs in your browser. Nothing is uploaded.

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Payables & Payment Planning

See what you owe, when it falls due, and which terms are worth taking.

Finance & Accounting

Age your supplier bills, see what is overdue, plan a payment run and value the early settlement discounts you are about to lose. Runs entirely in your browser. Nothing is uploaded.

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Margin & Profitability

Find out which products, customers and price moves are actually making money.

Finance & Accounting

Work out true gross margin, markup and contribution per product or job — including the direct costs people forget. Runs entirely in your browser. No installation, no account, no upload.

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Cash Flow & Runway

Know how much cash there is, how long it lasts, and what is trapped in working capital.

Finance & Accounting

Project monthly cash flow, burn rate and runway for a small business or startup. Runs entirely in your browser. No installation, no account, no upload.

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Also useful here

These live in another department but are regularly used by this one.