Budget-Plan Express – is an easy-to-use software product for preparing business plans, presentations, financial and investment analysis. Developer – «Strategic-Line», LLC.
Make business plans yourself! See the video presentation or a promotional video, as well as see the video course on financial planning, the video course will help you in several hours to master the tools of the program and begin practical planning.
☛ From October 1, 2018, the company launched a non-commercial Internet project involving educational institutions. The essence of the project is the transfer for non-commercial use of the Partner’s Internet license to students, graduate students, MBI students, etc.
☛ Download the demo version of the program for business planning and analysis Budget-Plan Express. As part of the demonstration version, two illustrative examples - a construction project and a project for the production of cheeses and cheese products.
☛ Before planning, it is recommended to watch the overview video (# 1 Budget-Plan Express - the first video lesson) about the program on the website in the "Video tutorials on practical planning" section or on YouTube.
☛ Practical course of video lessons (12 lessons on business planning practice) will help you to master the tools of the program for several hours and begin practical planning.
With Budget-Plan Express, you can use the full power of Office applications - prepare presentations, modify and analyze data, create graphs of any complexity and independently assemble business plans. Please note, for the program to work, Excel must be installed on your computer (2007 and higher).
In the standard configuration, the program interfaces are delivered in Russian and English languages - during installation, the user selects the interface language (Russian or English).
Three commercial licenses provide installation and protection of the program, one license is shareware (for partners). Internet licenses "Start" and "Standard" allow you to download and register the program via the Internet, and immediately start working. See license information: «Types and cost of licenses».
The program supports the maximum level of exchange with office applications (Word, Excel, Project, PowerPoint). Due to its specificity, the user can use the power of the office – prepare presentations, using fragments of calculations, modify and independently analyze data, create schedules of any complexity independently and compose business plans.
A business plan is not a complex of simple calculations in the format of a technical task, first of all, it is a positive planning practice in a rapidly changing market. The program should be able to create discounted cash flows models for calculating integral indicators (PB, DPB, NPV, PI, IRR and others), calculate WACC, obtain other basic data, for example, to calculate complex indicators.
Methods for adjusting price fluctuations are used in conditions of a high degree of correlation of external factors and pricing, they allow you to plan general risks associated with the markets, take into account price fluctuations, other external factors that may have a significant impact on the implementation of your project.
In «Budget-Plan Express» it is possible to easily model credit (leasing) products of any complexity, to select optimal financing schemes, for example, when eliminating a cash deficit or "cash gaps".
The process of creating business plans in Word as automated as possible – in the same currency and language (Russian, English, or custom) that the user has selected. The translation of the texts of the tables is carried out by a special procedure: "Translit".
Built-in Gantt chart allows you to quickly plan, for example, the stages of construction, "translate" data from the Gantt chart format into the format of financial tables, which take into account the capitalization of costs. Also, the Gantt chart can be imported from MS Project or, conversely, exported to MS Project.
Budget-Plan Express is a large-scale COM add-in with its own ribbon interface, uses Excel as a container for the ActiveX object library, and comes in the form of a 32-bit binary code, but works correctly on 32-bit and 64-bit versions of Windows.
Before starting the planning, it is recommended to read the basic materials and examples contained in the online Help (user's guide). Read also the "Announcements of the possibilities of the Budget-Plan Express software", see the video lessons on practical planning with examples of business plans and other materials posted on this site, this will allow you to quickly master the tools and interfaces and start using the full range of software features.
☛ Register with one click, using your social network or popular services Yandex, Google and others. In the Personal Office you can create (print) the entire package of documents (accounts, contracts, certificates, etc.), perform online payments, and send messages, here you can download the program installation files and updates. If you do not want to register, you can issue an invoice for payment or make an online payment without registering.
For a number of reasons, the development of business plans is considered a labor-intensive process, which is why most companies try to order a business plan «on the side». With the use of a specialized software product, everything changes, as the most time-consuming processes for the development of the financial part of the business plan will be undertaken by the program.
Now you can independently develop business plans. Of course, using the program will save your money, but much more valuable is the development of positive financial planning practices, which in itself increases the level of management and the quality of decision-making.
The first objective of financial planning is the development of financial plans and reports, only then you can proceed to the analysis, without which the business plan has no practical meaning, that is, you need to calculate the integral indicators (PB, DPB, NPV, PI, IRR, etc.). The basis for calculating investment performance indicators (integral indicators) is net cash flow (NCF).
Any business plan can be conditionally divided into 2 main parts: general description and financial calculation ...
Analysis based on financial ratios (coefficient analysis) allows you to examine the financial condition, performance and investment potential of the organization, and includes the following groups of indicators:
1. Liquidity Ratios: absolute liquidity (Cash ratio); Urgent liquidity (QR); current liquidity (CR); net working capital (NWC).
2. Debt ratios: the financial leverage ratio (TD / EQ), sometimes, "Leveraged"; interest coverage ratio (TIE); coefficient ratio of debt to EBITDA.
3. Indicators of profitability (Profitability ratios): profitability of sales (ROS),%; return on equity (ROE),%; return on assets (ROA),%; return on invested capital (ROIC),%.
4. Indicators of turnover (Asset management ratios): stocks (IT), days; accounts receivable (RT), days; accounts payable (PT), days; assets (AT), times.
5. Indicators of market activity (Market value ratios): earnings per share (EPS); dividend coverage ratio (ODS); the ratio of the value of the stock to the profit (P / E).
In Budget-Plan Express all key integral indicators are calculated, as well as other indicators that are calculated, including on their basis:
- Payback period,
- discounted payback period - DPB,
- net discounted (reduced) income - NPV (Net present value),
- profitability index - PI,
- Internal rate of return - IRR,
- Average rate of return - ARR,
- Modified internal rate of return - MIRR,
- other indicators based on the data calculated in the program - economic profitability index EVA (Economic Value Added) and other complex indicators.
☛ Note that the basis for calculating investment performance indicators (integral indicators) is net cash flow (NCF). To obtain a net cash flow from the total cash flow, financing (credit financing and equity instruments) is completely excluded.
Legal address: DUBROVSKAYA 1-YA, 13
INN / CAT: 7722623720/772201001.
Specialization, competencies: development of own software for financial planning, development of business plans and analysis, reporting and planning in IFRS, integration with MS Office applications and other applications. The company also has experience and competence in the field of performance management (PM), experience in managing the team when implementing projects.
Three commercial licenses provide installation and protection of the program, one license is shareware (for partners). Internet licenses "Start" and "Standard" allow you to download and register the program via the Internet, and immediately start working.
|«Start», license||SL, Internet license (The program is downloaded and registered via the Internet) - for small businesses, work and training. The license has export-import restrictions (including Word, MS Project), the «Translit» function is not available. The report function (export) is available in Excel.||3 900 rubles|
|«Standard», license||IL, Internet license (The program is downloaded and registered via the Internet) - supports the entire (maximum) functional set of program features.||9 900 rubles|
|Recovery and renewal of the license||the term of the commercial licenses limited to 1 year (the actual period is not limited and depends on the operation of your computer and Windows OS). During the year, the user shall be entitled to an installation, in case of damage or replacement of the personal computer. After 1 year, the user can renew the license.||3 900 rubles|
|Switching to a new license||Go from the "Start" license to the "Standard" license.||Supplement to the value|
|«Special», license||EL, exclusive (delivered on optical media) is for companies that do not use (forbidden) Internet generally is a structure dual-purpose.||Contract price|
In "Budget-Plan Express" you can easily plan for credit or leasing products of any complexity. For ease of operation, three types of products are identified for users, which the user selects from the list: "Standard", "Annuity", "Consumer". Choosing the type of product, the user immediately selects the formula and the standard algorithm by which payments will be calculated.
Using the advanced settings, the user can model virtually any unique loan product.
In the final stages of planning, in the final line of the report on movement of funds (Cash flow) may generate negative values, which mean a shortage of cash or temporary cash gap (cash deficiency), i.e., the lack of funds needed to Finance the next ensuing costs. In contrast to the production of the current gap, a temporary financial gap can be predicted.
If the schedule in the last periods of the project was in the negative zone, this has nothing to do with the cash gap, but in this case the project is unprofitable (non-viable).
Model weighted average cost of capital (WACC) represents the weighted average yield expected from all invested in the company capital, both own and borrowed.
WACC is calculated by computing a weighted value of the component sources of financing according to the following formula:
WACC = [Ve / (Ve + Vd)] × ke + [Vd / (Ve + Vd)] × kd × (1 – T)Where:
A ready business plan can be transferred from the program directly to Word - in the currency and in the language that the user chose (Russian, English or the user's language).
The process of creating business plans in Word is as much as possible automated. The first stage creates a document in Word, where the marked tables are exported - in that currency and in the language (Russian, English or user language) that the user has chosen. At the same time, the business plan is a "free" report, not limited to the standards, and includes a whole range of materials and illustrations - analytical text, conclusions, table fragments, graphs, risk analysis, variant analysis, etc.
Finalization of the business plan for the project, including the layout of the material, design and design - these are the following stages, which may take much longer. However, most of the "routine" work on creating financial tables for you will make the program.
"Translit" is a special function for translating the text of tables (plans) into other languages (Russian, English and "user" language).
In some cases, "translit" is used to customize the tables, in accordance with the requirements of corporate reporting. For example, the company's reports use the term "Marginal profit", instead of "gross profit".
When preparing business plans, the texts of the tables can also be translated into any other foreign ("user") language. This can be relevant, for example, if a partner of the company prefers to use reporting in their own language (in the "user" language). In other words, for internal use there can be one language for the text of tables, for external partners and investors, another.
The example demonstrates approaches to planning the stages of construction and installation works, gives useful recommendations for simplifying the process and improving the quality of planning.
The summary estimate report is also important for analyzing the cost structure in percentages, and in this example it will be demonstrated. So, for example, the construction of a multi-apartment apartment house assumes roughly the following cost structure, on average in Russia in 2016 (see detailed example) ...
Note that the description of the construction business plan using the Gantt chart and the "cost structure" tied to it is the fastest and most effective way of developing financial tables. The reason is that using the Gantt chart, not only important milestones are described, but almost all construction costs, with the exception of associated costs, are not many: land (from 6 to 15% of the cost of construction), credit load (about 10-15 %), marketing (3-10%), content of the device (3-8%).
To account for the capitalization of costs (assigning them to the value of non-current assets), for example, in construction projects, a special algorithm is used.
Capitalization costs are reflected not in the composition of the "income statement", but as part of the asset or liability balance. For this reason, capitalization distorts the financial result, since the cost of capitalized costs is not equal to the cost of written-off costs or costs. In business planning, this approach is not acceptable, therefore, for planning and financial analysis, capitalization of costs "for the implementation of production stages" is always included in the income statement.
Thus, in the income statement, revenue and cost are to be fully reflected, including both targeted financing and developer's remuneration.
The Gantt chart is created using the program interface, but you can import it from MS Project if you want. The diagram is transformed into the financial table "cost plan for the realization of the production stages".
The Gantt chart is nothing more than a unique format for editing and presenting data, in addition to other common formats - graphical and tabular representation of data. The Gantt chart has become widely used in business planning of projects, most likely for the simplicity and adaptability of the planning process. In the Gantt chart it is customary to use some specific names and terms related to the features of network planning: "lag", "percentage of execution", "resource type", etc.
Note that the description of the business plan, for example, construction using the Gantt chart and transferring data to the cost table is the fastest and most effective way of developing financial tables.
In the calculation of the majority of integral indices, we use discounted cash flow. Discounted cash flow (DCF) – method of evaluation used to analyze the attractiveness of certain investment opportunities. Discounted cash flow analysis (DCF) uses the estimated future free cash flows and discounts them (most often using weighted average cost of capital, WACC) to obtain their true value, to obtain adjusted estimates of the potential investment.
Discounted cash flow is calculated by the formula:
DCF = ∑ CFn (1 + r)-nWhere:
For the calculation of investment performance (PB, DPB, NPV, PI, IRR and others) used two methods for determining initial investment and net income. In the first and in the second case, you must first:
1. Get net cash flow (NCF).
2. Find net investments (need for financing) using the following algorithm::
3. Find the net income. To do this, from the net cash flow (NCF) are deducted the net investment.
Further, depending on the chosen method, will be compared to the net income and initial investment where the initial investment in the first case, the net need for investment in the second – sources of funding.
In some cases, there is a need to adjust some prices to account for the effects of external factors on price changes.
The need for adjustments may not be associated with the modeling of factors external risks. For example, the basis price forecasts were taken from the projections of the wholesale prices more volatile than prices at subsequent stages in the chain of sales.
In the first case it is possible to use a method of correcting price fluctuations, mathematically "describe" the possible influence of factors external risks. In the second case, can be a useful method of smoothing short-term fluctuations.
And in the first and second cases, moving average models are used.