Planning: a three-statement forecast that lives next to your actuals.

Three-statement forecast

Income statement, balance sheet, and cash flow that tie.

Planning produces an interactive forecasted income statement, balance sheet, and statement of cash flows. The three statements are linked, so a change to a revenue or expense driver flows through to the balance sheet and cash flow the way an integrated model should. Choose cash or accrual basis. Every forecast row is clearly labeled FORECAST and is never confused with a posted actual.

• Forecasted income statement, balance sheet, and statement of cash flows.
• Linked statements: driver changes flow through all three.
• Cash or accrual basis.
• Every forecasted figure labeled FORECAST, distinct from actuals.

Scenarios & drivers

Versions, scenarios, and the assumptions behind them.

Model the business with driver assumptions (growth rates, headcount, pricing, and the like) and compare base, upside, and downside scenarios side by side. Save versions so a board-approved plan stays fixed while you iterate on a working forecast. Drivers are explicit inputs, so the forecast is explainable rather than a black box.

• Scenarios: base, upside, downside, compared side by side.
• Saved versions so an approved plan stays fixed.
• Driver assumptions as explicit, editable inputs.
• Reuses budgets, departments, and custom fields you already maintain.

GAAP forecast that ties out

Every forecast entry is balanced double-entry, processed like your actuals.

Forecast figures aren't single-sided line items - each one is a balanced double-entry journal entry with a real offset account, posted into a parallel forecast ledger and processed by the same engine as your books. GAAP schedules run forward automatically: prepaid amortization, depreciation, revenue recognition, loan amortization including debt-issuance-cost (deferred issuance cost) amortization through both the balance sheet and income statement, and an income-tax provision. Drill into any forecasted account and see the underlying entries - including the specific planned hire or schedule that produced them - exactly the way you drill into actual GL detail.

• Balanced double-entry forecast entries with enforced offsets, so the forecast balance sheet and cash flow always articulate.
• GAAP schedules roll forward: prepaid, depreciation, revenue recognition, loan & debt-issuance-cost amortization, deferred tax.
• Drill into any forecasted account to see the underlying entries, planned hires, and assumptions.
• A separate, FORECAST-labeled ledger - never the real GL, and hidden from accounting unless you opt in.

Actual vs forecast vs budget

A dynamic three-way view for the period of your choice.

Compare your closed actuals against a chosen forecast version and a locked budget, side by side, for any period range - grouped into income statement and balance sheet with variance columns. When you close a period, bring those actuals into a forecast version: it both freezes a comparison snapshot and re-baselines the forward forecast off real ending balances, so plan-versus-actual stays honest all year.

• Actuals vs forecast vs budget for any period, with variances.
• Compare against the live closed GL or a frozen snapshot.
• Bring in actuals on close to snapshot and re-baseline the rolling forecast.
• Click any account to drill into the forecast entries behind the number.

Advanced model exporter

A board-ready workbook without rebuilding the model by hand.

Export a formula-capable `.xlsx` package from actuals, a selected forecast version, and an optional budget. The workbook includes cover, three-way comparison, actuals, forecast, budget, variance analysis, integrity checks, source/audit, and optional assumptions tabs, with typed numbers and visible model status.

• Choose consolidated or entity scope, period range, actuals source, forecast version, and optional budget.
• Customize title, subtitle, footer, font, colors, tab order, tab colors, frozen panes, gridlines, units, and formulas versus values.
• Checks and Sources/Audit tabs travel with the workbook, so reviewers can see what ties and where the numbers came from.

Workforce planning

Model headcount, raises, and the cost that follows.

A robust employee assumption matrix drives the people side of the forecast: plan hires, raises, promotions, demotions and terminations for named employees or department/role pools, each effective-dated, plus employer payroll-tax and benefit-load rates that change over time. The forecast turns those assumptions into balanced payroll entries - wages, employer taxes, and benefits - that flow through the three statements like everything else.

• Hires, raises, promotions, demotions, terminations - named employees or pools.
• Effective-dated, latest-supersedes comp; plan future hires as placeholders.
• Effective-dated employer tax and benefit-load rate assumptions.
• Generates balanced payroll forecast entries you can drill into per planned hire.

13-week cash

A direct cash forecast for the next 13 weeks.

The 13-week cash forecast projects inflows and outflows week by week, fed from open AP and bills, loan amortization schedules, and payroll for your current team. It is built for the runway and liquidity questions a treasurer or CFO actually asks.

• Weekly cash inflows and outflows across a rolling 13 weeks.
• Fed from open AP and bills, loan schedules, and payroll.
• Runway and liquidity view, separate from the GL.

AI-assisted proposals

AI drafts the forecast moves. A human reviews every one.

AI can propose forecast adjustments and driver changes grounded in your posted history, and explain the reasoning. Nothing is applied silently: every AI proposal lands for a human to review, edit, or reject before it changes a scenario. The same review-before-it-counts principle that governs the ledger governs the forecast.

• AI proposes driver and forecast adjustments with reasoning shown.
• Grounded in posted history, not estimated from thin air.
• Human review on every proposal before it changes a scenario.
• Plan-tier AI request and dollar caps apply; BYOK bypasses Quoining-side caps.

Separation from actuals

The forecast feeds from your books. It never posts to them.

Planning reads your posted actuals as its starting point but writes nothing back to the general ledger. Forecasts, scenarios, and the 13-week cash view live in their own Planning workspace, labeled FORECAST throughout, so there is no risk of a planning figure ever being mistaken for a recorded transaction.

Why Quoining

FP&A that starts from your actuals, not a copy of them.

Dedicated planning tools import actuals on a schedule and drift the rest of the month. Quoining's FP&A reads the ledger directly: forecasts, scenarios, driver models, and 13-week cash from live data.

• Scenario planning and driver models seeded by actual postings.
• 13-week cash view tied to real AP, loan, and payroll obligations.
• Three-way comparison: budget, forecast, and actual on one screen.
• Advanced model export with checks and source audit tabs for board packets.