Finpulse: business finances without accounting jargon

1. 01

   Monthly overview for the owner: money now, the balance in 30 days, revenue, expenses, profit and the reserve in days, advice with concrete actions and a profit breakdown from revenue to net.

2. 02

   A statement transaction is assigned to a category in one click: a payment to Ukrtelecom goes to "Communications and services", and the "Remember" tick turns it into a rule for the future.

3. 03

   The 30-day payment calendar shows a cash gap on 05.11.2026 and the lowest balance point while there is still time to move a payment or bring in receipts.

4. 04

   Cash flow by category and month for August to October: a chart and a table that show where the money goes.

5. 05

   The "Bank fees" rule: conditions, a test on real transactions and applying it to old records so you do not allocate them by hand.

1. 01

   Cash now

   The total across all accounts and cash desks. You enter an account balance once, then Finpulse calculates it itself from bank transactions.

2. 02

   Forecast and cash gap

   The balance at the end of the horizon, taking into account invoices by due date and scheduled payments. If cash drops below the minimum balance, you see the date and the amount of the shortfall.

3. 03

   Revenue, expenses, profit

   Figures for the month and the change in percent versus the previous one. You can scroll back through the months.

4. 04

   Runway in days

   How many days the money will cover fixed costs if income stops, and the reserve target in months.

5. 05

   How profit is built

   Steps: revenue, cost of goods, gross profit, variable costs, contribution margin, fixed costs and payroll, EBITDA, taxes and interest, net profit.

6. 06

   Largest expenses

   The 5 largest expense categories of the month: the first place to look if profit has dropped.

• Cash gap: the date when cash will fall below the minimum balance, and how much will be missing

• Low reserve: cash for fixed costs is below the reserve target (3 months by default)

• Low margin: out of every UAH 100 of sales, less than the threshold remains after purchasing, delivery and fees

• Month in the red: expenses exceed revenue, with a hint on which categories to review

• Expense spike: a category is 2 times higher than the average of previous months

• Overdue receivables: how much you are owed past the due date and who owes the most

• Customer dependence: one customer brought 40% of revenue or more over 3 months

• Owner took out more: payouts to the owner exceed net profit, meaning money is coming out of working capital

• Uncategorised transactions: a noticeable share of cash flow has no category, so profit is not accurate yet

• Accounts without a balance: a reminder to enter the opening balance so that "Cash now" and the forecast are complete

1. 01

   Accounts and balances

   You add accounts and cash desks and enter the balance on a date once. The company, minimum balance, forecast horizon and tip thresholds are set in the settings.

2. 02

   Transactions are categorised automatically

   Transfers between your own accounts are found by IBAN and matched into a pair. Then rules apply, the history of identical decisions for the counterparty, and a category by counterparty type: customer, supplier, employee.

3. 03

   Review only what needs attention

   The "Cash" (Гроші) tab keeps only the transactions for which automation found no category. You can categorise them in bulk, and "Remember" (Запам'ятати) creates a rule and categorises similar older transactions too. Automation never overrides a manual decision.

4. 04

   Calendar and scheduled payments

   Days with events and the balance for each day. Rent, taxes or a loan are added as a scheduled payment repeating weekly, monthly, quarterly or yearly. "Paid" (Сплачено) links a bank transaction and moves the payment to the next period.

1. 01

   Category tree

   25 starter categories in groups: income, expenses, capital movements, technical. Each category has a description of what belongs to it and a class for the profit figures.

2. 02

   Capital movements kept separate

   Owner contributions and payouts, receiving and repaying a loan, transfers between your own accounts and currency exchange do not go into profit.

3. 03

   Rule conditions

   Direction, account, counterparty, EDRPOU or individual tax number (IPN), IBAN, words that are or are not in the payment purpose, amount from and to.

4. 04

   Rule action

   Assign to a category and a project, mark as a transfer between your own accounts, or exclude. A rule can be applied to older transactions after a review.

5. 05

   Starter rules

   Taxes to the budget, the single social contribution (ESV) and bank fees are categorised from day one. They can be changed or turned off.

6. 06

   Rule statistics

   How many times a rule fired and when it last did: you can see which rules work and which are unnecessary.

• Cash flow: categories in rows, months in columns

• Profit by category: step by step from revenue to net profit

• Cash basis or accrual basis: profit based on actual payments or on accounting entries, chosen in the settings

• Roles: the owner sees and configures everything, the finance officer reviews transactions and reads the settings

Updated: 27.10.2026