# Finmap

> Finmap — cash flow and management accounting software for small and medium businesses worldwide. Connect your banks and international payment platforms (PayPal, Stripe, Wise, Revolut, Payoneer), see real money in multiple currencies across all accounts in one place, avoid cash gaps, and make decisions on accurate numbers instead of guesswork.

## Product
- [Finmap](https://finmap.online/): multi-currency cash flow & management accounting platform for businesses worldwide
- [Finmap for the EU](https://finmap.online/for-eu): multi-currency finance for cross-border and EU-based companies (income in PayPal/Stripe, expenses in Revolut/Wise, taxes anywhere)
- [Pricing](https://finmap.online/pricing): plans for SMBs
- [Integrations](https://finmap.online/integration): PayPal, Stripe, Wise, Revolut, Payoneer, local & international banks, Telegram bot, Zapier, open API
- [Outsourced Finance Director](https://finmap.online/findirector): financial expertise without a full-time CFO
- [Latest features](https://finmap.online/renovation)

## Solutions by industry
- [EdTech & online schools](https://finmap.online/for-edtech): Finance for education businesses and online schools.
- [Construction](https://finmap.online/for-construction): Cash flow and estimates for construction companies.
- [Retail & e-commerce](https://finmap.online/retail): See real profit across stores and online sales.
- [Business in the EU](https://finmap.online/for-eu): Multi-currency finance for companies operating in the EU.
- [IT & agencies](https://finmap.online/for-it): Project profitability and cash flow for IT and agencies.
- [Hospitality & restaurants](https://finmap.online/for-hospitality): Cash flow and payments for hotels, restaurants and cafés.
- [Software & SaaS](https://finmap.online/for-software): Runway, recurring revenue and cash flow for software and SaaS teams.
- [Manufacturing](https://finmap.online/for-manufacturing): Cash flow across production cycles, suppliers and receivables.
- [Logistics & trucking](https://finmap.online/for-logistics): Fuel, maintenance and payroll against delayed freight payments.
- [Healthcare & beauty](https://finmap.online/for-beauty-health): Cash flow for clinics, healthcare practices, salons and spas.

## Financial calculators
- [All calculators](https://finmap.online/calculators): formula + worked examples for the metrics that run a business
- [Gross Margin Calculator](https://finmap.online/calculators/gross-margin-calculator): What share of each sales dollar is left after the direct cost of what you sold.
- [Net Profit Margin Calculator](https://finmap.online/calculators/net-profit-margin-calculator): The share of revenue that survives every expense to become actual profit.
- [EBITDA Calculator](https://finmap.online/calculators/ebitda-calculator): Core operating earnings before interest, taxes, depreciation, and amortization.
- [Working Capital Calculator](https://finmap.online/calculators/working-capital-calculator): The cushion left to fund day-to-day operations after near-term obligations.
- [Current Ratio Calculator](https://finmap.online/calculators/current-ratio-calculator): A quick read on whether current assets can cover current liabilities.
- [DSO Calculator](https://finmap.online/calculators/dso-calculator): The average number of days it takes to collect payment after a sale.

## Comparisons — Finmap vs alternatives
- [All comparisons](https://finmap.online/comparisons): how Finmap compares with other cash-flow and FP&A tools
- [Finmap vs Agicap](https://finmap.online/comparisons/finmap-vs-agicap): One of the best-known cash-flow management platforms, with a large presence across Europe.
- [Finmap vs Jirav](https://finmap.online/comparisons/finmap-vs-jirav): FP&A software for forecasting, budgeting, reporting and dashboarding.
- [Finmap vs Float Cash Flow](https://finmap.online/comparisons/finmap-vs-float): Cash-flow forecasting with live Xero, QuickBooks and FreeAgent sync and scenario planning.
- [Finmap vs Fathom (FathomHQ)](https://finmap.online/comparisons/finmap-vs-fathom): Financial reporting, analysis and cash-flow forecasting for accountants, SMBs and franchises.
- [Finmap vs Futrli (by Sage)](https://finmap.online/comparisons/finmap-vs-futrli): Cash-flow forecasting and reporting for accountants and SMBs, now part of Sage.
- [Finmap vs Fuelfinance](https://finmap.online/comparisons/finmap-vs-fuelfinance): FP&A software paired with part-time human CFO advisory for startups and SMBs.
- [Finmap vs Cash Flow Frog](https://finmap.online/comparisons/finmap-vs-cashflowfrog): Pure-play cash-flow forecasting built around what-if scenario planning.
- [Finmap vs Runway Financial (cfo.ai)](https://finmap.online/comparisons/finmap-vs-runway-financial): FP&A and financial modeling — an "agentic CFO", now operating at cfo.ai.
- [Finmap vs Trezy](https://finmap.online/comparisons/finmap-vs-trezy): AI-driven cash-flow tracking and 12-month forecasting for retail, hospitality and e-commerce SMBs.
- [Finmap vs Pulse App](https://finmap.online/comparisons/finmap-vs-pulse): Cash-flow management for freelancers, solo founders and small service businesses.

## Customer stories
- [All customer stories](https://finmap.online/customers): how real businesses use Finmap, with real numbers
- [Viora Build](https://finmap.online/customers/viora-build): A Portuguese builder of premium villas swapped Google Sheets for Finmap and freed 20 hours a week for its operations manager.
- [TURE](https://finmap.online/customers/ture): A Carpathian adventure-tourism operator replaced scattered spreadsheets with Finmap to see spend by channel and plan vs. actual in real time.
- [ThinkGlobal Private School](https://finmap.online/customers/thinkglobal-private-school): A private school, kindergarten and family-camp group moved off handwritten ledgers and now checks exact profitability across locations in minutes.
- [Smartass Gym](https://finmap.online/customers/smartass-gym): A busy Kharkiv gym replaced scattered, inconsistent cash reports with automatic tracking and a clear read on daily cash flow.
- [SITNIKS CRM](https://finmap.online/customers/sitniks-crm): A Ukrainian SaaS company turned fragile Excel spreadsheets into automated P&L and cash flow reporting — and used the transparency to land its first investor.
- [Mathema](https://finmap.online/customers/mathema): An online math school scaling past 2,000 students closed the spreadsheet gap that once cost it $250, with daily cash-flow control on Finmap.
- [LIBERT](https://finmap.online/customers/libert): A premium transport company tracks 20 drivers and vehicle-level profit in Finmap, saving $8,348 a year by skipping an extra operations hire.
- [KLEI](https://finmap.online/customers/klei): A Ukrainian sticker brand consolidated scattered accounts and spreadsheets into Finmap to see real profitability order by order — and calm down.
- [Intelligent System](https://finmap.online/customers/intelligent-system): A Warsaw construction firm tracked 10 crews in one dashboard, grew ~150% in a pandemic year, and caught a lost €1,000 invoice with Finmap.
- [Gold Kitchen](https://finmap.online/customers/gold-kitchen): A HoReCa equipment seller turned four hours of daily bookkeeping into seconds, with real-time visibility across every sales channel.
- [Chystota.ua](https://finmap.online/customers/chystota-ua): A cleaning service used monthly cash-flow and P&L reviews to spot an oversized delivery cost, switch couriers, and save over $12,000 in a year.
- [Bogdanova Bureau](https://finmap.online/customers/bogdanova-bureau): An architecture studio paired Finmap with a dedicated consultant to price projects accurately and build reserve funds — growing revenue 173% and net margin 286% in a year.

## Free finance templates (Excel & Google Sheets)
- [All templates](https://finmap.online/templates): free downloadable spreadsheets for the numbers that run a business
- [13-Week Rolling Cash Flow Forecast Template](https://finmap.online/templates/13-week-rolling-cash-flow-forecast-template): Plan week-by-week inflows, outflows and your cash position across a quarter.
- [12-Month Cash Flow Forecast Template](https://finmap.online/templates/12-month-cash-flow-forecast-template): Track monthly inflows, outflows and a running cash balance for a full year.
- [Monthly P&L / Income Statement Template](https://finmap.online/templates/monthly-pl-income-statement-template): Track revenue, COGS, operating expenses and net profit month by month.
- [Budget vs Actual (Variance) Template](https://finmap.online/templates/budget-vs-actual-variance-template): Compare planned vs actual revenue and expenses and calculate variances fast.
- [Accounts Receivable (AR) Aging Template](https://finmap.online/templates/accounts-receivable-aging-template): Group outstanding customer invoices by age and spot slow-paying accounts early.
- [Accounts Payable (AP) Aging / Payment Schedule Template](https://finmap.online/templates/accounts-payable-aging-payment-schedule-template): Track what you owe, due dates and upcoming payments by vendor.
- [Break-Even Calculator Sheet](https://finmap.online/templates/break-even-calculator-sheet): Enter fixed costs, price and variable cost to find your break-even point.
- [Startup Runway & Burn Rate Template](https://finmap.online/templates/startup-runway-burn-rate-template): Track monthly cash burn and see how many months of runway you have left.
- [Working Capital Calculator](https://finmap.online/templates/working-capital-calculator-template): Net working capital, the ratio behind it, and how much cash a shorter cycle would release.
- [Current Ratio & Liquidity Ratios Calculator](https://finmap.online/templates/liquidity-ratios-calculator-template): Current ratio, quick ratio and cash ratio from a single set of balance sheet inputs.
- [EBITDA Calculator](https://finmap.online/templates/ebitda-calculator-template): EBITDA calculated two ways, adjusted for one-off costs, with valuation multiples applied.
- [Unit Economics Calculator (LTV / CAC)](https://finmap.online/templates/unit-economics-ltv-cac-calculator-template): CAC, customer lifetime value, the LTV:CAC ratio and payback period in one sheet.
- [DSO, DPO & Cash Conversion Cycle Calculator](https://finmap.online/templates/cash-conversion-cycle-calculator-template): Days sales outstanding, days payable, days inventory — and the cash your cycle locks up.
- [Balance Sheet Template](https://finmap.online/templates/balance-sheet-template): Assets, liabilities and equity across two periods, with a built-in balance check.

## Guides — cash flow forecasting
- [All guides](https://finmap.online/guides): practical guides to forecasting and managing cash flow, by method and business type
- [How to Build a 13-Week Cash Flow Forecast (Step by Step)](https://finmap.online/guides/how-to-build-a-13-week-cash-flow-forecast): Build a week-by-week quarter forecast: starting balance, cash in and out, and keeping it accurate.
- [Cash Flow Forecasting for SaaS and Subscription Businesses](https://finmap.online/guides/cash-flow-forecasting-for-saas-and-subscription-businesses): Forecast cash around MRR, churn timing, annual prepay and CAC payback — not just recognized revenue.
- [Cash Flow Forecasting for E-Commerce and Retail Businesses](https://finmap.online/guides/cash-flow-forecasting-for-ecommerce-and-retail-businesses): Forecast cash around inventory buys, seasonal swings and marketplace payout delays — before cash gets tight.
- [Cash Flow Forecasting for Agencies and Professional Services](https://finmap.online/guides/cash-flow-forecasting-for-agencies-and-professional-services): Forecast cash around retainers, unbilled work in progress, staff utilization and client payment terms.

## Finmap by role
- [Finmap by role](https://finmap.online/for): how Finmap fits founders, operations leads, CFOs and accountants
- [For Founders & Business Owners](https://finmap.online/for/founders): See your real cash position and runway, so payroll and hiring decisions stop being guesswork.
- [For Operations Leads & COOs](https://finmap.online/for/operations): Track fixed vs variable costs and budget-vs-actual by department, before a variance compounds.
- [For CFOs & Finance Directors](https://finmap.online/for/cfo): Model cash flow scenarios, track variance against plan, and prepare board-ready reports.
- [For Accountants & Bookkeepers](https://finmap.online/for/accountants): Forecast cash flow across every client from one dashboard, with transaction data synced automatically.

## Integrations — connect your stack
- [All integrations](https://finmap.online/integrations): connect banks, payment platforms and accounting software so Finmap builds the cash flow forecast automatically
- [Finmap + PayPal](https://finmap.online/integrations/paypal): Bring PayPal transactions into the same cash flow view as your bank accounts — funds stay in your own PayPal account.
- [Finmap + Stripe](https://finmap.online/integrations/stripe): Fold Stripe payout activity into the same forecast as your other accounts — funds stay in your own Stripe account.
- [Finmap + Wise](https://finmap.online/integrations/wise): Pull multi-currency Wise transactions into one cash flow view — your funds stay in your own Wise account.
- [Finmap + Revolut Business](https://finmap.online/integrations/revolut-business): Bring Revolut account activity into one cash flow view — your money stays in your own Revolut account.
- [Finmap + Plaid](https://finmap.online/integrations/plaid): Link bank accounts through Plaid's network for automatic cash flow data — your funds stay in your own bank.
- [Finmap + QuickBooks Online](https://finmap.online/integrations/quickbooks): Feed QuickBooks Online transaction data into a live cash flow forecast — your books stay in QuickBooks.
- [Finmap + Xero](https://finmap.online/integrations/xero): Feed Xero's transaction and invoice data into a live cash flow forecast — your books of record stay in Xero.
- [Finmap + Sage](https://finmap.online/integrations/sage): Feed Sage transaction data into a forward-looking cash flow forecast — your books of record stay in Sage.
- [Finmap + Odoo](https://finmap.online/integrations/odoo): Feed Odoo transaction data into a forward-looking cash flow forecast — your books of record stay in Odoo.
- [Finmap + Oracle NetSuite](https://finmap.online/integrations/netsuite): Feed Oracle NetSuite transaction data into a live cash flow forecast — your books of record stay in NetSuite.

## Glossary — finance & cash flow terms
- [All terms](https://finmap.online/glossary): plain-English definitions of finance, accounting and cash flow terms, with formulas and worked examples
- [13-Week Cash Flow Forecast](https://finmap.online/glossary/13-week-cash-flow-forecast)
- [Accounts Payable](https://finmap.online/glossary/accounts-payable)
- [Accounts Receivable](https://finmap.online/glossary/accounts-receivable)
- [Accrual Accounting](https://finmap.online/glossary/accrual-accounting)
- [Balance Sheet](https://finmap.online/glossary/balance-sheet)
- [Bank Reconciliation](https://finmap.online/glossary/bank-reconciliation)
- [Break-Even Point](https://finmap.online/glossary/break-even-point)
- [Budget](https://finmap.online/glossary/budget)
- [Budgeting](https://finmap.online/glossary/budgeting)
- [Burn Rate](https://finmap.online/glossary/burn-rate)
- [Cash Flow Forecasting](https://finmap.online/glossary/cash-flow-forecasting)
- [Cash Flow Statement](https://finmap.online/glossary/cash-flow-statement)
- [Cash Flow](https://finmap.online/glossary/cash-flow)
- [Cash Inflow](https://finmap.online/glossary/cash-inflow)
- [Cash Outflow](https://finmap.online/glossary/cash-outflow)
- [CFO (Chief Financial Officer)](https://finmap.online/glossary/cfo-chief-financial-officer)
- [Cost of Goods Sold (COGS)](https://finmap.online/glossary/cost-of-goods-sold)
- [Current Ratio](https://finmap.online/glossary/current-ratio)
- [Days Sales Outstanding (DSO)](https://finmap.online/glossary/days-sales-outstanding-dso)
- [EBIT](https://finmap.online/glossary/ebit)
- [EBITDA](https://finmap.online/glossary/ebitda)
- [Fixed Costs](https://finmap.online/glossary/fixed-costs)
- [FP&A (Financial Planning & Analysis)](https://finmap.online/glossary/fp-and-a)
- [Free Cash Flow](https://finmap.online/glossary/free-cash-flow)
- [Gross Margin](https://finmap.online/glossary/gross-margin)
- [Gross Profit](https://finmap.online/glossary/gross-profit)
- [Income Statement](https://finmap.online/glossary/income-statement)
- [Liquidity](https://finmap.online/glossary/liquidity)
- [MRR (Monthly Recurring Revenue)](https://finmap.online/glossary/mrr-monthly-recurring-revenue)
- [Net Cash Flow](https://finmap.online/glossary/net-cash-flow)
- [Net Profit Margin](https://finmap.online/glossary/net-profit-margin)
- [Net Working Capital](https://finmap.online/glossary/net-working-capital)
- [Operating Cash Flow](https://finmap.online/glossary/operating-cash-flow)
- [Quick Ratio](https://finmap.online/glossary/quick-ratio)
- [ROI (Return on Investment)](https://finmap.online/glossary/roi-return-on-investment)
- [SME (Small and Medium Enterprise)](https://finmap.online/glossary/sme-small-medium-enterprise)
- [Variable Costs](https://finmap.online/glossary/variable-costs)
- [Variance Analysis](https://finmap.online/glossary/variance-analysis)
- [Working Capital](https://finmap.online/glossary/working-capital)
- [Zero-Based Budgeting](https://finmap.online/glossary/zero-based-budgeting)

## Blog — knowledge base
- [Finmap blog](https://finmap.online/blog): management accounting, cash flow, payment calendars, unit economics and finance for business owners
- Full machine-readable article indexes (per language):
  - English: https://finmap.online/blog/llms.txt
  - Ukrainian: https://finmap.online/ua/blog/llms.txt
  - Russian: https://finmap.online/ru/blog/llms.txt
  - Portuguese (BR): https://finmap.online/pt-br/blog/llms.txt
  - Polish: https://finmap.online/pl/blog/llms.txt
  - Kazakh: https://finmap.online/kz/blog/llms.txt
  - German: https://finmap.online/de/blog/llms.txt
  - Spanish: https://finmap.online/es/blog/llms.txt
  - French: https://finmap.online/fr/blog/llms.txt
  - Greek: https://finmap.online/gr/blog/llms.txt
  - Hungarian: https://finmap.online/hu/blog/llms.txt
  - Italian: https://finmap.online/it/blog/llms.txt
  - Dutch: https://finmap.online/nl/blog/llms.txt
  - Romanian: https://finmap.online/ro/blog/llms.txt

## Support
- [Help center](https://support.finmap.online): guides, integrations, API docs and FAQ

## Company
- [Contact](https://finmap.online/contact)
- Facebook: https://www.facebook.com/finmap.online
- Instagram: https://www.instagram.com/finmap.online/
- LinkedIn: https://www.linkedin.com/company/finmap-online/
- YouTube: https://www.youtube.com/c/FINMAPonline