26 October 2026
Set up in two steps, on any ERP
Setting up now takes two steps, in either order: upload your Excel model (any layout, any kind of budget or forecast), and connect your ERP and BI tools. Xero connects live. For any other ERP, such as QuickBooks, NetSuite, Sage, Dynamics, SAP Business One or Odoo, upload its profit and loss by month or trial balance export and Foresail maps it into monthly actuals, checked against the export's own totals, for you to approve. Each month, upload the new export from Data & mapping; Health checks flags a month that is missing. Download everything as Excel at any time from Data & mapping or the menu.
25 October 2026
Ask Foresail answers cash over the next 12 months
Ask Ask Foresail "will we run out of cash in the next year?" or "how much cash will we have in 12 months?" and it answers from the Cash over the next 12 months card: the month cash would go below zero, if it does, the lowest month end and the cash in a year, for the group or one entity. It works from Claude too.
25 October 2026
Cash over the next 12 months
Balance sheet & cash has a Cash over the next 12 months card: closing cash for each of the 12 months from the first open one, running past the year end on the best guess, built the same way as the cash forecast to the year end. It says the month cash would go below zero, if it does, and the lowest month end. Pick an entity for its own cash.
25 October 2026
The next 12 months in the owners' pack
The owners' pack for the latest closed month has a Next 12 months card and slide: revenue, gross margin and EBITDA for the 12 months from the first open one, running past the year end, in blocks of three months, with the total against the last 12 months of actuals. Click a total for each line.
25 October 2026
The next 12 months in the Excel download
The Excel download has a Next 12 months sheet: every line for each of the 12 months from the first open one, running past the year end, as on the Next 12 months card, with the last 12 months of actuals below and the totals and the change as formulas.
25 October 2026
Ask Foresail answers the next 12 months
Ask Ask Foresail "what does the next 12 months look like?" or "how does the next 12 months compare with the last 12?" and it answers from the Next 12 months card: revenue, gross margin and EBITDA by month past the year end, the totals against the last 12 months of actuals, and each line. It works from Claude too.
25 October 2026
The next 12 months
Forecast & scenarios has a Next 12 months card: revenue, gross margin and EBITDA for each of the 12 months from the first open one, running past the year end, with the total against the last 12 months of actuals. The months of this year are the best guess; after the year end the drivers carry on. Click a total for each line.
25 October 2026
Try the headcount plan in the Scenario studio
For admin and finance, the Scenario studio has a "Staff costs from the headcount plan" switch: the open months of each staff line on the plan take its cost, and the full year, the chart and What changed show what that does to the result next to your other changes. It doesn't change the best guess, isn't saved with the scenario, and other roles don't see it.
25 October 2026
Import the headcount plan from a spreadsheet
For admin and finance, the Headcount tab takes an Excel or CSV file with one row per position (position, entity, line, people, start, end, salary and on-cost) and shows what it would load before anything is saved. Add the positions to the plan or put them in place of it. Download the plan as a CSV, edit it and import it back. Columns such as names are left out, as the plan keeps role titles only.
25 October 2026
Ask Foresail checks the headcount plan against payroll
Admin and finance can ask Ask Foresail "does the headcount plan match payroll?" or "what is the plan missing on sales staff?" and it sets the plan's cost against the actual staff cost Xero booked in the closed months, line by line, with how much of it the plan covers.
25 October 2026
Headcount plan against actual staff cost
For admin and finance, the Headcount tab on Forecast & scenarios sets the plan's cost against what Xero booked on each staff line in the closed months of the year, with the difference and how much of the actual cost the plan covers. A line well under 100% has people or costs the plan leaves out, so you can fix the plan before relying on it for the months ahead.
25 October 2026
Headcount plan in the Excel download
For admin and finance, the Excel download has a Headcount plan sheet, as the Headcount tab: each position by staff line with its people, months, salary, on-cost and cost each month, the line totals as formulas, people a month, and each line's full year with the plan against the best guess. Other roles' downloads leave it out, as it holds salaries.
25 October 2026
Ask Foresail knows the headcount plan
Admin and finance can ask Ask Foresail "how many people do we plan in March?", "what does the headcount plan cost this year?" or "is the plan above the forecast on tech staff?" and it answers from the Headcount tab's figures: people a month, each staff line's full year with the plan against the best guess, and each position with its salary. Other roles don't get it, and it isn't offered to Claude over the Foresail connection, as the plan holds salaries.
25 October 2026
Headcount plan
Forecast & scenarios has a Headcount tab for admin and finance: list each position by role (not by name) with its entity, staff line, start and end month, how many people, salary and on-cost, and see what the plan costs by staff line for the full year against the best guess. A department's manager sees their own monthly total and how many people on My forecast, never individual salaries. The best guess doesn't use the plan yet.
25 October 2026
Invoices to collect in the Excel download
The Excel download has an Invoices to collect sheet, as the card on Customer revenue: for each entity and currency, the sales invoices overdue at the last Xero sync or due within 14 days of it, most overdue first, with the customer's unapplied credit notes, and the total to collect and the overdue part as formulas. Amounts stay in each invoice's own currency. Nothing is sent to customers or posted to Xero.
25 October 2026
Ask Foresail says which invoices to chase
Ask Ask Foresail "who should we chase this week?", "which invoices are overdue?" or "what does this customer still owe us?" and it answers from the same figures as the Invoices to collect card: each entity's invoices by the currency they are invoiced in, overdue first, less the customer's unapplied credit notes. Ask for another window, such as the next 30 days. Nothing is sent to customers or posted in Xero. Also available to Claude over the Foresail connection.
25 October 2026
Invoices to collect in the next 14 days
Customer revenue has an Invoices to collect card: approved sales invoices overdue at the last Xero sync or due in the next 14 days, by entity and in the currency each is invoiced in, most overdue first, with the customer's unapplied credit notes, so credit control knows who to chase. Nothing is sent to customers or posted to Xero.
25 October 2026
Bills to pay in the Excel download
The Excel download has a Bills to pay sheet, as on Supplier spend: approved bills overdue at the last Xero sync or due in the next 14 days, by entity and in the currency each is paid in, with the supplier's unapplied credit notes, and the total to pay and the overdue part as formulas, ready to plan the payment run. Nothing is paid or posted in Xero.
25 October 2026
Ask Foresail plans the payment run
Ask Ask Foresail "what do we need to pay in the next two weeks?", "which bills are overdue?" or "what do we owe this supplier this month?" and it answers from the same figures as the Bills to pay card: each entity's bills by the currency they are paid in, overdue first, less the supplier's unapplied credit notes. Ask for another window, such as the next 30 days. Nothing is paid or posted in Xero. Also available to Claude over the Foresail connection.
25 October 2026
Owed by customers in the owners' pack
The owners' pack for the latest closed month has an Owed by customers section, also as a PowerPoint slide: what customers owe the group at the last Xero sync by how long it is overdue, the share overdue, the 5 customers most overdue with their oldest overdue invoice, and each entity's tie to its receivables control account.
25 October 2026
Bills to pay in the next 14 days
Supplier spend has a Bills to pay card: approved bills overdue at the last Xero sync or due in the next 14 days, by entity and in the currency each is paid in, with the supplier's unapplied credit notes beside them, so the payment run can be planned in one place. Nothing is posted to Xero.
25 October 2026
Aged balances in the Excel download, and 13-week cash on due dates
The Excel download has Aged receivables and Aged payables sheets: what each customer owes and what is owed to each supplier, by how long it is overdue, with totals as formulas and the tie to each entity's control account. The 13-week cash view now collects opening receivables and pays opening payables on the due dates of the invoices and bills open at the last Xero sync, with overdue ones in week 1, instead of spreading them over debtor and creditor days.
25 October 2026
Ask Foresail says who owes us money
Ask Foresail "who owes us money?", "what's overdue?" or "what do we owe suppliers?" and it answers from the same figures as the Owed by customers and Owed to suppliers tables: the total by how long it is overdue, the names owed most and most overdue with their oldest invoice, and the tie to each entity's control account. Also available to Claude over the Foresail connection.
25 October 2026
Ask Foresail says how sure the full year is
Ask Foresail "how sure are we of the full year?" or "can we still hit budget?" and it answers from the same figures as the How sure is the full year card: the latest forecast with its likely range, and where the budget sits against it. Also available to Claude over the Foresail connection.
25 October 2026
How sure the full year is
Forecast & scenarios has a How sure is the full year card: full-year revenue and EBITDA on the latest forecast with a likely range, from how far off the forecast has been in the months already scored, and whether the budget is above, within or below that range. Click a typical miss to see the months behind it.
25 October 2026
Ask Foresail says what a currency move does to the forecast
Ask Foresail "what if the euro weakens 5%?" or "how exposed is the forecast to the euro?" and it answers from the same figures as the If exchange rates move card: the change in revenue and EBITDA for the full year, and which entities carry it. Also available to Claude over the Foresail connection.
25 October 2026
What the forecast does if exchange rates move
Forecast & scenarios has an If exchange rates move card when an entity reports in another currency, such as euros: the full year's revenue, gross margin and EBITDA on the latest forecast with that currency 5% and 10% weaker or stronger, and EBITDA against budget at each. Only the open months move; closed months are actuals. Click a change to see each entity's share.
25 October 2026
Each entity's balance sheet in its own currency, in the Excel download
The Excel download has a balance sheet in its own currency for each entity that reports in another currency, such as euros: each section, net assets, equity brought forward and the current-year result at every month end as in that entity's own Xero file, with the change over the year and the closing rate used. The Balance sheet sheet stays in the group's currency.
25 October 2026
Each entity's P&L in its own currency, in the Excel download
The Excel download has a P&L sheet in its own currency for each entity that reports in another currency, such as euros: every line month by month as in that entity's own Xero file, with the subtotals and the year to date as live formulas, so finance can tie it line by line. The other P&L sheets stay in the group's currency.
25 October 2026
Entities side by side in the Excel download
The Excel download has a By entity sheet, as the By entity view on Budget vs actual: revenue, gross margin and EBITDA to date for each entity side by side, the group as their sum, and the variance against the budget, for each entity on its own budget where the budget is set by entity. Totals and variances are live formulas.
25 October 2026
Departments against budget in the Excel download
The Excel download has a Departments sheet, as the By department card on Budget vs actual: each department's total and its lines to date against the budget, and the full year on the latest forecast against the full-year budget. Department totals and variances are live formulas, so you can send a department its own block.
25 October 2026
Ask Foresail says what a hire would cost
Ask Foresail "what would a hire from January on 60k cost this year?" or "what do we save if someone leaves in March?" and it gives the cost a month with on-cost, the cost for the rest of the year and over a full 12 months. Name a line, such as a staff line, to see its forecast with and without the person. Managers can then add the hire to their plan on My forecast.
25 October 2026
Add a hire or a leaver to your plan
Department managers planning on My forecast can add a hire or a leaver: pick the line, the month they start or leave, the annual salary and the on-cost. The plan adds a twelfth of the salary plus on-cost to each month from then to the year end, or takes it off for a leaver, and the note for finance says what was added. Undo takes it back out before you submit.
25 October 2026
Ask Foresail drafts the month's prepayments
Finance and admins can ask Ask Foresail "what should we prepay this month?" or "was anything invoiced for the year in September?" and get the same figures as the Draft prepayments card in Review mode: each account, its cost in the month against its 3-month average, the amount to prepay and the release a month, in each entity's own currency. Foresail never posts to Xero.
25 October 2026
Draft prepayments for costs invoiced a year at once
Review mode on Budget vs actual has a Draft prepayments card for finance: supplier cost accounts whose cost this month is at least 3 times their 3-month average, such as a year's licence or insurance policy expensed at once. The cost above the average is spread over 12 months: the card gives the amount to prepay and the release a month, in each entity's own currency. Download each entity's journal in Xero's import layout, check the invoice and import it yourself. Foresail never posts to Xero.
25 October 2026
Ask Foresail knows the month-end account review
Ask Foresail "which accounts need explaining this month?" or "why was rent flagged?" and it answers from Review mode on Budget vs actual: each flagged account, whether it looks like a missing invoice or an unusual swing, its 3-month average and budget, and whether finance has explained it, with their note. Ask about any account, flagged or not, or an earlier month.
25 October 2026
An entity's balance sheet in its own currency
Pick an entity that reports in another currency on Balance sheet & cash and a new card gives its balance sheet at each month end in that currency, as in its own Xero file, with the closing rate used to translate it. Ask Foresail "what is the Spanish entity's cash in euros?" for the same figures.
25 October 2026
An entity's figures in its own currency
Pick an entity that reports in another currency on Budget vs actual (year to date) and a new card gives its profit and loss in that currency, as in its own Xero file, so you can tie it line by line. When the budget was approved from assumptions with that exchange rate, the budget and the variance show in the same currency too. Ask Foresail "what is the Spanish entity's revenue in euros?" for the same figures.
25 October 2026
Your budget for the rest of the year
Department managers see a "Your budget for the rest of the year" card on My budget vs actual: for each of their lines, the full-year budget, the actual to date, the budget left and what that means a month, set against the budget a month and the last 3 months' run rate. Red means spending faster than the budget allows. Ask Foresail "how much budget do I have left?" for the same figures, line by line; finance and admins can ask it for any line or entity.
25 October 2026
How much of the variance is currency
Budget vs actual (year to date) has a card for groups with an entity in another currency: revenue, gross margin and EBITDA to date at the budget's exchange rates, so the variance against budget splits into what exchange rates added or took away and the underlying variance. Each entity's actual and budget rates are listed. It uses the rates in the budget's assumptions. Ask Foresail "how much of the variance is currency?" for the same figures.
25 October 2026
What it takes to hit budget, in the Excel download
The Excel download has a "Hit budget" sheet for revenue, gross margin and EBITDA, as on Budget vs actual: the full-year budget, the actual to date, what is still needed and what that means a month, the budget and the last 3 months a month, and the latest forecast. Still needed, needed a month and the full-year forecast are formulas, so you can change the inputs.
25 October 2026
What it takes to hit budget, in the owners' pack
The owners' pack and its PowerPoint have a "What it takes to hit budget" section for revenue, gross margin and EBITDA, as on Budget vs actual: what is still needed to reach the full-year budget, what that means a month, and how the last 3 months and the latest forecast compare. It shows on the latest closed month when a budget is loaded.
24 October 2026
Customer cohorts in the Excel download
The Excel download has a "Customer cohorts" sheet with the cohort table from Customer revenue: customers grouped by the month they were first invoiced, how many were invoiced in the latest month and what each group brings in every month, with the totals as formulas.
24 October 2026
Ask Foresail answers questions on customer cohorts
Ask Foresail "how much of our revenue comes from customers won this year?" or "are the customers we won in June still invoiced?". It answers from the cohort table on Customer revenue: customers grouped by the month they were first invoiced, what each group brings in and how many were invoiced in the latest month.
24 October 2026
Who owes what, and for how long
Customer revenue has an "Owed by customers" table and Supplier spend an "Owed to suppliers" table: approved invoices and bills not yet paid, less unapplied credit notes, by customer or supplier and by how long they are overdue (current, 1 to 30, 31 to 60, 61 to 90 and over 90 days). Each figure opens its invoices. Below each, every entity's total is set against its receivables or payables control account in Xero, read at the same sync, so a difference stands out.
24 October 2026
Revenue by customer cohort
Customer revenue has a table that groups customers by the month they were first invoiced and shows what each group brings in every month, how many customers it has and how many were invoiced in the latest month. Each month's groups add up to the month's invoiced revenue, and a count opens the group's customers.
24 October 2026
What moved fee revenue against budget
KPIs has a card that splits fee revenue against the KPI budget, for the months closed so far, into three parts: more or fewer active users, more or fewer withdrawals per active user, and a higher or lower fee per withdrawal. The parts add up to the variance, and each opens its months. Ask Foresail "why is revenue off budget?" for the same figures.
24 October 2026
What it takes to hit budget
Budget vs actual has a card for revenue, gross margin and EBITDA: the full-year budget, the actual to date, what is still needed in the months left and what that means a month, set against the budget, the last 3 months and the latest forecast. Green means the run rate or forecast reaches it. Ask Foresail "what do we need to hit budget?" for the same figures.
24 October 2026
What moved supplier spend
Supplier spend has a "What moved supplier spend" card: what suppliers billed in the last 3 months against the 3 before, split into new suppliers, more and less from existing suppliers, and suppliers no longer billing. Each figure opens its suppliers. Ask Foresail "why did supplier costs go up?" for the same figures.
24 October 2026
Customers in the owners' pack
The owners' pack has a Customers section, also as a PowerPoint slide: invoiced revenue in the 3 months to the month shown against the 3 before, split into new customers, higher and lower revenue from existing customers and customers no longer invoiced, with net revenue retention and the 5 largest customers and their share.
24 October 2026
What moved revenue, by customer
Customer revenue has a "What moved revenue" card: invoiced revenue in the last 3 months against the 3 before, split into new customers, higher and lower revenue from existing customers, and customers no longer invoiced, with net revenue retention. Each figure opens its customers. Ask Foresail "why did revenue move?" or "what is our revenue retention?" for the same figures.
24 October 2026
Supplier bills against the P&L
Supplier spend sets what suppliers billed each month against supplier costs in the P&L (direct costs other than staff, and other operating costs), for the group or one entity, with costs not billed (accruals, card spend or journals) and the share billed. Click P&L costs for the accounts behind them.
24 October 2026
Ask Foresail answers the Direct Debit forecast
Ask Foresail what the Direct Debit forecast is, how much will be collected by Direct Debit in one market, or how it compares with budget: it reads the same figures as the Direct Debit forecast page, actuals then the best guess. Claude over MCP answers the same. Managers don't get it, as they don't see the page.
24 October 2026
Invoiced revenue against the P&L
Customer revenue sets what was invoiced each month against revenue in the P&L, for the group or one entity, with revenue less invoiced (revenue posted by journal, such as accrued income or fees taken at withdrawal) and the share invoiced. Click P&L revenue for the accounts behind it.
24 October 2026
Ask Foresail drafts the month's accruals
Finance and admins can ask Ask Foresail what to accrue this month, or for an earlier month: it lists the supplier cost accounts with no invoice after a cost in each of the 3 months before, at their 3-month average in each entity's own currency, with each entity's journal total, as in Review mode. Foresail never posts it: download the journal in Review mode, check it and import it into Xero. Claude over MCP answers the same.
24 October 2026
Customer revenue in the Excel download
The Excel download has a Customer revenue sheet: each customer and entity month by month to the last close, the total as a formula, the latest month against the average month before and New for a first invoice, as on the Customer revenue page. Managers don't get it.
24 October 2026
Ask Foresail answers revenue by customer
Ask Foresail who your biggest customers are, how concentrated revenue is, what you invoiced one customer, or which customers weren't invoiced this month: it reads the same figures as the Customer revenue page, for the group or one entity. Claude over MCP answers the same. Managers don't get it, as they don't see the page.
24 October 2026
Ask Foresail answers how the balance sheet moved
Ask Foresail how the balance sheet has moved this year, for the group or one entity: it reads the balance sheet at each month end, as on Balance sheet & cash, with the change on each section. Claude over MCP answers the same. Managers don't get it, as they don't see the balance sheet.
24 October 2026
Balance sheet by month
Balance sheet & cash has the balance sheet at each month end of the year, from the month end before it, for the group or one entity: each section, net assets, equity brought forward and the result, with the change over the year. Click any figure for the accounts behind it.
24 October 2026
Customer revenue
A new Customer revenue page under Control: what each customer was invoiced, net of VAT and credit notes, month by month to the last close, for the group or one entity. It shows your largest customer's share of revenue, customers invoiced for the first time, customers not invoiced this month and the biggest changes. Click any figure for its months. Managers don't get it.
24 October 2026
Draft accruals for missing invoices
Review mode on Budget vs actual has a Draft accruals card for finance: supplier cost accounts with no invoice this month after a cost in each of the 3 months before, accrued at their 3-month average in each entity's own currency. Download each entity's journal in Xero's import layout, check it and import it yourself. Foresail never posts to Xero.
24 October 2026
Ask Foresail answers debtor and creditor days
Ask Foresail whether customers are paying later, what your debtor days are or how fast you pay suppliers: it reads the same figures as the days table on Balance sheet & cash, for the group or one entity. Claude over MCP answers the same. Managers don't get it, as they don't see the balance sheet.
24 October 2026
Debtor and creditor days by month
Balance sheet & cash has debtor and creditor days at each month end, for the group or one entity: how long customers take to pay and how long you take to pay suppliers, with the balances and the average month behind them. Click any figure for the accounts.
24 October 2026
Supplier spend in the Excel download
The Excel download has a Supplier spend sheet: each supplier and entity month by month to the last close, the total, the latest month against the usual month and the suppliers that are new, as on the Supplier spend page. Managers don't get it.
24 October 2026
Suggested variance comments
On Budget vs actual, the Commentary card has a Suggest button for finance: it fills the comment box with a draft for the line picked, from the figures: the variance against budget, the move on the month before and the accounts behind it. Edit it, then save as usual. Nothing is saved until you do.
24 October 2026
Ask Foresail answers supplier spend
Ask Foresail who your biggest suppliers are, what you spent with one of them, or which suppliers are new this month: it reads the same figures as the Supplier spend page, for the group or one entity. Claude over MCP answers the same. Managers don't get it, as they don't see the page.
24 October 2026
Supplier spend
A new Supplier spend page under Control shows what each supplier billed, net of VAT and credit notes, month by month to the last close, for the group or one entity. It picks out suppliers billing for the first time this month and the biggest changes on each supplier's usual month, and you can search by name. Click a figure for its months.
24 October 2026
Ask Foresail answers the last 12 months
Ask Foresail how the last 12 months went: it reads the twelve months to the latest close, across the start of the fiscal year, and can set them against the 12 months before where last year is held. Months that aren't loaded are left blank, never counted as zero. Claude over MCP answers the same. Managers get their own lines only.
24 October 2026
Last 12 months in the Excel download
The Excel download has a Last 12 months sheet: every line for the twelve months to the last close, across the start of the fiscal year, with the total as a formula, then the same months a year earlier where they are held. Once all twelve months of last year are held it adds the prior 12 months and the change. It appears once an admin loads the prior year on Data & mapping.
24 October 2026
Last 12 months on Budget vs actual
Budget vs actual has a Last 12 months view: the twelve months to the month you pick, across the start of the fiscal year, and their total, for the group or one entity. Hover a month for the same month last year; once last year is held for all twelve months you also get the prior 12 months and the change. Every figure opens its accounts. Months before this year appear once an admin loads the prior year on Data & mapping.
24 October 2026
Scenarios in the Excel download
The Excel download has a Scenarios sheet: the full year on the best guess, the Downside and Upside and your latest saved scenarios, line by line against the budget, with the variance as a formula. The figures are the Scenario studio's.
24 October 2026
Compare two budget assumption sets
Budget assumptions has Compare with another set: pick a set of the same year and see every input that differs, with both values (segment drivers, direct cost rates, people added, removed or changed, other costs and the rules across the budget), and how each line of the year's budget moves. Unsaved edits are included.
24 October 2026
Quarters in the owners' pack and the Excel download
The owners' pack has a By quarter table: each fiscal quarter and the full year on the latest forecast against the budget, saying which quarters are actual, part actual or forecast. The PowerPoint has the same slide, and the Excel download has a By quarter sheet with the variance as a formula. The figures match By quarter on Budget vs actual.
24 October 2026
Budget assumptions: free withdrawals and seasonality by segment
Each revenue segment on Budget assumptions can have a share of withdrawals that pays no fee, as with clients on SaaS, and its own seasonality curve instead of the one for the whole budget. Both are under More assumptions, and both are in the template.
24 October 2026
Budget assumptions: central people costs and integration time
On Budget assumptions, a headcount row can be marked central for a group-level item such as a pay rise pot, a group bonus or social security cap relief: it costs salary ÷ 12 only and can be a credit. The people rules take the social security part of each entity's on-cost, so the cap applies to that part only, and an exceptional share can be a share of base salary, such as time spent on an integration.
24 October 2026
Every account, month by month
Budget vs actual has an Accounts view: every Xero account behind the P&L, month by month for the year to date, for the group or one entity. Search by code or name, pick a line or the unmapped accounts, and click any figure to see the account's months.
24 October 2026
Budget vs actual by entity
Budget vs actual has a By entity view: every entity side by side with the group, year to date or for the full year on the latest forecast, set against the budget. Each entity is set against its own budget where the budget is split by entity, and year-to-date figures open their accounts.
24 October 2026
Budget vs actual by quarter
Budget vs actual has a By quarter view: each quarter of the fiscal year and the full year, on the latest forecast (closed months of actuals and the best guess after them) against the budget. Closed quarters open the accounts behind every figure.
24 October 2026
Overview compares with last year
Once last year is loaded, Overview's revenue, gross margin and EBITDA tiles show the change on the same months last year, and the revenue and EBITDA charts have a line for last year. Every point on the line opens last year's figures.
24 October 2026
Cash forecast on the downside or upside
The cash forecast on Balance sheet & cash can run on the Downside or Upside scenario as well as the best guess, with the best guess's closing cash and the difference under it, and the balance sheet forecast follows. Ask Foresail answers "how much cash would we have at the year end in the downside?" too, for any saved scenario.
23 October 2026
Balance sheet forecast to the year end
Balance sheet & cash has a balance sheet for each month end to the year end, from the cash forecast on the best guess: cash, receivables and payables at the latest month end's debtor and creditor days, fixed assets with capex and depreciation, and the result for the year, balancing every month. Group or one entity, and Ask Foresail can give the year-end balance sheet too.
23 October 2026
Claude answers cash flow and departments
Claude connected to Foresail with a personal token can now answer where the cash went, how much cash you'll have at the year end, and which department is over budget, with the same figures as the app. It stays read only, and managers still see only their own lines.
23 October 2026
Cash flow and cash forecast in the Excel download
The Excel download has two new sheets for the group: Cash flow, with each closed month's result and balance-sheet movements adding up to the change in cash, and Cash forecast, with each month to the year end on the best guess. They hold the same figures as Balance sheet & cash.
23 October 2026
Ask Foresail compares with last year
Ask Foresail how revenue, costs or EBITDA compare with last year, for the group or one entity. It sets each month with actuals against the same month a year earlier from Xero, with the change to date. It needs last year loaded on Data & mapping, and says so when a month isn't. Managers get their own lines only.
23 October 2026
Departments and year-end cash in the owners' pack
The owners' pack and its PowerPoint have a By department table: each department against budget to date and for the full year, adding up to EBITDA, with every figure opening the lines behind it. Cash and funding also gives the cash forecast to the year end: opening cash, the lowest month end and cash at the year end, on the best guess.
23 October 2026
Ask Foresail answers departments and year-end cash
Ask Foresail which department is over budget, or how much cash you'll have at the year end. It answers from the By department table on Budget vs actual and the cash forecast on Balance sheet & cash, for the group or one entity, and names the lines and months behind the answer. Both are for roles that see every line.
23 October 2026
Every department against its budget
Budget vs actual has a By department table: each department's lines to date against the budget, and the full year on the latest forecast against the full-year budget, adding up to EBITDA. It follows the entity you pick, and every figure opens the lines behind it.
23 October 2026
Cash forecast to the year end
Balance sheet & cash has a cash forecast for each month left in the year, built on the best guess: the forecast result, depreciation added back, receivables and payables at today's debtor and creditor days, and capex at its recent pace. It names the month cash is lowest, works for the group or one entity, and every figure opens how it was built.
23 October 2026
Ask Claude about your Foresail numbers
Use from Claude, under Ask Foresail, gives you a personal token that connects Claude Code or another MCP client to Foresail. You can then ask Claude about the P&L, balance sheet, cash, forecast, KPIs and health checks, with exactly the access you have in Foresail. Claude can read but not change anything, every call is in the activity log, and you can revoke a token at any time.
23 October 2026
Build the budget from assumptions
The new Budget assumptions page holds the budget as a few editable assumptions: revenue drivers per market, direct cost rates, the headcount plan and other costs. Change one and the budget P&L and its change against the budget in use update straight away. Finance saves drafts, approves a set and then makes it the budget; switching back is one click. Import the assumptions from Excel, CSV or JSON, or start from the last 3 months of actuals.
23 October 2026
Meridian is now Foresail
The product has a new name and a new look, and the assistant is now Ask Foresail. Your workspace, figures, links, sign-in and access stay exactly as they were.
23 October 2026
Year-end adjustments reach last year's figures
For the first 4 months of a fiscal year, the nightly sync also refreshes the last 3 months of the year before, so year-end and audit adjustments posted into them show in the prior-year comparisons and the forecast trend.
23 October 2026
Set up from your own files
Admins and finance can now set a workspace up from whatever files the group has: budgets, forecasts, board packs, KPI sheets, charts of accounts, in any layout. Connect Xero, drop the files, and the assistant works out the business model, reporting lines, account mapping, budget, forecast and KPIs, with KPIs and revenue drivers that fit the industry (earned wage access, B2B SaaS, logistics, marketplaces or professional services). Every figure is read from the cell it cites and checked against the file's own totals. You review each part, change what you need, approve or skip it, and nothing is saved until you click Apply. Up to 3 runs a day.
23 October 2026
Cash flow by month
Balance sheet & cash has a cash flow for each closed month: the month's result, depreciation added back, the movement in receivables, other current assets and current liabilities, then fixed assets, investments, funding and intercompany, adding up to the change in cash, with a year to date. Pick the group or one entity, and click any figure to see the accounts behind it. Ask Foresail can now answer where the cash went, using the same figures.
23 October 2026
Forecast growth reads up to a year of revenue
The best guess's default revenue growth now follows the trend of up to the last 12 months with revenue, instead of 6, so one strong or weak month moves it less. Until the prior year is loaded it uses the months held so far. Forecast & scenarios says how many months each entity's growth is based on.
23 October 2026
Last year month by month, and in the PowerPoint
Once the prior year is loaded, Budget vs actual by month can set each month against the same month last year instead of the budget, with last year's year to date alongside. The owners' pack PowerPoint now carries the prior year to date on its results slide, as the page does.
23 October 2026
Scenario studio on Forecast & scenarios
A new Scenario studio tab lets you build a scenario with sliders: revenue growth, users and fees on KPI drivers, partner go-lives and revenue per employee, a named client on or off with its start month and revenue, direct costs, staff costs, a hiring delay, other costs and a one-off. Each slider shows what the data says, the chart and the full year against the best guess and the budget update as you move it, and a list shows what changed on each line. Finance can save scenarios, set the workspace's Downside and Upside, compare up to 3 scenarios and export one to Excel. Ask Foresail works with the same scenarios.
23 October 2026
Comparisons with last year
An admin can now load the prior year once on Data & mapping. Budget vs actual and the owners' pack then show the same months last year next to this year to date, and how far this year is ahead or behind.
23 October 2026
Health checks as a close checklist
Health checks now groups every check into five areas: ledger complete, cash and bank, tax and payroll, suppliers and customers, and data and sync. Each entity gets one status per area, passed checks fold away, and Overview gives one line per entity.
23 October 2026
Overview's Health tile counts watch findings
The Health tile on Overview now also gives the number of open watch findings, on the group and on each entity's view.
23 October 2026
The 13-week cash sentence shows finance's notes
When finance has handled or dismissed a 13-week cash check, for example because a facility is agreed, Overview's cash sentence now says so, with finance's note.
23 October 2026
Overview says when cash runs short in 13 weeks
The commentary on Overview now says when the indicative 13-week cash view falls below zero or below a month's staff cost, or when an entity's own cash runs below zero, with a link to Balance sheet & cash.
23 October 2026
Health checks counts watch findings by entity
The By entity row on Health checks now also counts each entity's open watch findings, and says Nothing open only when an entity has none at all.
23 October 2026
Ask Foresail answers health questions in full
Ask Foresail's answers about Health checks no longer get cut short when every check is included, so it can always give the PAYE, cash and close checks.
23 October 2026
Ask Foresail says whether cash lasts 13 weeks
Ask Foresail "will we run out of cash?" and it now gives the group's and each entity's lowest point in the indicative 13-week cash view, as on Balance sheet & cash.
23 October 2026
Balance sheet & cash flags PAYE in arrears
Under the 13-week cash view, a sentence now names any entity whose PAYE and NI owed is more than half a month's staff cost, since the view pays that whole balance on the first 22nd.
23 October 2026
Health checks shows each entity's open findings
On the group view, Health checks now gives each entity's open critical and warning checks in one row. Click an entity to see only its findings.
23 October 2026
The owners' pack names PAYE in arrears
Under Next 13 weeks, the owners' pack and its PowerPoint now name any entity whose PAYE and NI owed at the latest month end is more than half a month's staff cost, with the amount and the share.
23 October 2026
Ask Foresail says whether PAYE is up to date
Ask Foresail "are we behind on PAYE?" and it now checks each entity's PAYE and NI owed against a month's staff cost, from the month-end balances in Xero.
23 October 2026
Health checks can show one entity
Pick an entity at the top of Health checks to see only its findings and the group-wide ones. From Overview, an entity's Health tile opens Health checks for that entity.
23 October 2026
Ask Foresail can check one entity's health
Ask Foresail about one entity, such as "is this entity's close complete?", and it now looks only at that entity's findings and the group-wide ones, says when the entity isn't flagged, and no longer quotes another entity's figures.
23 October 2026
Overview's Health tile follows the entity you pick
When you view one entity on Overview, the Health tile and the commentary now count only that entity's open findings and the group-wide ones, such as a sync that is out of date.
23 October 2026
The owners' pack names overdrawn bank accounts
Under Next 13 weeks, the owners' pack and its PowerPoint now name any bank account overdrawn at the latest month end, with the balance and how many month ends it has been overdrawn. One overdrawn for months is likely an agreed facility.
23 October 2026
Overview's journals sentence follows the entity you pick
When you view one entity on Overview, the sentence under the tiles now says whether that entity's payroll, revenue and supplier costs are in, and no longer names another entity's gaps.
23 October 2026
The owners' pack says whether VAT and the ledgers look up to date
Under the Headline, the owners' pack and its PowerPoint now name any entity whose VAT, accounts payable or accounts receivable stopped moving while it kept trading, with the balance and when it last moved, linking to Health checks.
23 October 2026
Ask Foresail says whether any bank account is overdrawn
If you can see cash, Ask Foresail can now tell you whether any bank account was overdrawn at the latest month end, with the balance and how long it has been overdrawn. One overdrawn for months is likely an agreed facility; a new one is worth checking in Xero.
23 October 2026
The owners' pack says whether the bank feeds look up to date
Under Next 13 weeks, the owners' pack and its PowerPoint now name any bank account that stopped moving while its entity kept trading, with the balance and when it last moved, so you know which cash figures to check.
23 October 2026
Ask Foresail says whether bills and sales invoices are going in
Ask Foresail can now tell you whether any entity's accounts payable or receivable has stopped moving while its supplier costs or revenue carried on, with the balance and when it last moved. It is a sign to check in Xero, not an aged ledger.
23 October 2026
Overdrawn bank accounts show euro balances in euros
The table behind the overdrawn bank accounts check now shows a euro entity's balances in euros, like the other bank and ledger checks. The total shows only when every account is in the same currency.
22 October 2026
Ask Foresail says whether the bank feeds look up to date
Ask Foresail can now tell you whether any bank account has stopped moving while its entity kept trading, with the balance and when it last moved. It is a sign to check the bank feed and reconciliation in Xero.
22 October 2026
Health checks show euro balances in euros
When a Health check finds a bank, VAT, payables or receivables balance that isn't moving, the table behind it now shows a euro entity's balances in euros, so a balance that held reads the same at each month end.
22 October 2026
Health checks spot customer receivables that aren't moving
The Health page now points out an entity whose accounts receivable held the same balance for three month ends while revenue carried on, which can mean sales invoiced outside Xero or revenue posted as journals.
22 October 2026
Ask Foresail says whether VAT looks up to date
Ask Foresail can now tell you whether any entity's VAT balance has stopped moving while it kept billing, with the balance and when it last moved. It is a sign to check in Xero, not a VAT return.
22 October 2026
Health checks spot a bank account that stopped moving
The Health page now warns when a bank account held the same balance at the last two month ends while its entity kept trading, which usually means the bank feed stopped or the statements weren't reconciled. Card accounts are left out.
22 October 2026
Health checks spot supplier payables that aren't moving
The Health page now points out an entity whose accounts payable held the same balance for three month ends while supplier costs carried on, which can mean bills posted as journals or a purchase ledger nobody updated.
22 October 2026
Overview says whether the month's journals are in
Under the tiles, Overview now says whether every entity's payroll, revenue and supplier costs are in for the latest month, or names the Health checks that flagged something, as the owners' pack does.
22 October 2026
Health checks spot VAT that isn't moving
The Health page now points out an entity whose VAT accounts have held the same balance for three month ends while it kept billing, which can mean invoices or bills coded without VAT, VAT posted elsewhere, or an old balance to clear.
22 October 2026
Nil percentages show without a sign
A percentage change that rounds to 0.0 now shows as 0.0% rather than +0.0%, and an amount under £50 in the owners' pack shows as £0.0k with no sign. Budget vs actual, the owners' pack and its PowerPoint follow the same rule.
22 October 2026
The owners' pack says whether the month's journals are in
Under the headline, the owners' pack now says whether every entity's payroll, revenue and supplier costs are in for the month, or names the Health checks that flagged something. The PowerPoint carries the same sentence.
22 October 2026
Tiny variances show as 0.0
On Budget vs actual, the forecast board and the owners' pack, a variance between minus £50 and £50 now shows as 0.0 with no sign or colour, rather than a red −0.0 or a green +0.0.
22 October 2026
Health checks spot supplier costs posted twice
The Health page now warns when an entity's direct and other operating costs in the latest month are over twice their average over the three months before, which can mean a supplier bill or accrual went in twice. Ask Foresail includes it when you ask whether the month's journals are in.
22 October 2026
Tiny cash lows no longer show as below zero
A 13-week cash low between minus £50 and zero now shows as 0.0 rather than a red −0.0, and Health checks and the owners' pack only call cash below zero when it shows below zero.
22 October 2026
Ask Foresail says whether the month's journals are in
Ask "is anything missing this month?" and Ask Foresail answers from the Health checks for the latest month: any entity with no P&L, payroll, revenue or supplier costs that look missing, or payroll or revenue that look posted twice, with the figures behind each.
22 October 2026
Health checks spot revenue posted twice
The Health page now warns when an entity's revenue in the latest month is over twice its average over the three months before, which can mean an invoice run went in twice and revenue and debtors look higher than they are.
22 October 2026
Health checks spot a payroll posted twice
The Health page now warns when an entity's staff cost in the latest month is over one and a half times its average over the three months before, which can mean the payroll journal went in twice and the month looks worse than it was.
22 October 2026
Health checks spot supplier costs that weren't posted
The Health page now warns when an entity's direct and other operating costs in the latest month are under 30% of their average over the three months before while it still trades, which usually means bills or accruals are missing and the month looks more profitable than it was.
22 October 2026
Health checks spot revenue that wasn't posted
The Health page now warns when an entity's revenue in the latest month is under a fifth of its average over the three months before while its costs carry on, which usually means an invoicing run is missing.
22 October 2026
Health checks spot a payroll that wasn't posted
The Health page now warns when an entity's staff cost in the latest month is under half its average over the three months before, which usually means the payroll journal isn't in Xero yet and the month looks more profitable than it was.
22 October 2026
Each entity's 13-week cash on Balance sheet & cash
Balance sheet & cash now lists each entity under the group's 13 weeks: its opening cash, its lowest point and the week it comes, and its cash at week 13, with a low below zero in red. Click an entity to see its weeks.
22 October 2026
Health checks the depreciation charge against the asset accounts
The Health page now compares each entity's depreciation and amortisation in the P&L with the month's movement in accumulated depreciation, and points out a gap of £1k or more, which usually means a journal went to the wrong account or a disposal isn't booked.
22 October 2026
Each entity's 13-week cash in the Excel download
The "13-week cash" sheet in the Excel download now lists each entity below the group weeks: its opening cash, its lowest point and the week it comes, and its cash at week 13, run on the entity's own balances and pace.
22 October 2026
Ask Foresail answers cash questions for each entity
Ask Foresail can now answer "will this entity run out of cash?": it runs the 13-week cash view on that entity's own cash, receivables, payables and pace, and for the group it lists each entity's lowest point and the week it comes.
22 October 2026
Health checks watch debtor and creditor days
The Health page now points out when the group's debtor days or creditor days rose by 15 days or more over the last three month ends, with the balances behind them, so customers paying later or suppliers paid later show up before the cash does.
22 October 2026
Health checks spot a missed depreciation run
The Health page now points out an asset class whose accumulated depreciation didn't move at the last month end while it still has cost to write down, which usually means the month's depreciation journal is missing and profit is overstated.
22 October 2026
Health checks each entity's own cash for the next 13 weeks
The group's 13-week cash can stay positive while one entity's bank runs dry. The Health page now runs the 13-week view for each entity on its own cash and pace, and warns when one falls below zero, with the week and the amount.
22 October 2026
Ask Foresail knows how good the forecast has been
Ask Foresail can now answer "how good is our forecast?": for each of the last six closed months, the forecast made after the close before it against the actual, for revenue, total costs and the headline profit line, with the lines that missed most and the average.
22 October 2026
Forecast track record in the Excel download
The Excel download has a Track record sheet: each scored month's forecast against the actual for revenue, total costs and the headline profit line, with the difference and how far off as live formulas, then each month's lines.
22 October 2026
Health checks flag a forecast that missed badly
The Health page now points out when the forecast for the last scored month was more than 20% off on revenue or the headline profit line, by more than your variance threshold, naming the lines that missed most, so the drivers get a look before the rest of the year leans on them.
22 October 2026
Health checks warn when cash runs low
The Health page now warns when the 13-week cash view falls below zero, and points it out when it falls below a month's payroll, naming the week and the amount, with a link to Balance sheet & cash.
22 October 2026
Health checks in the Excel download
The Excel download has a Health checks sheet: every critical and warning finding, open ones first, with the amount, entities and finance's note, so the close can be worked from the spreadsheet.
22 October 2026
Health checks flag overdrawn bank accounts
The Health page now lists bank accounts overdrawn at the month end, per entity with the amount and how many month ends in a row, so an unagreed overdraft or a payment posted to the wrong bank account is caught before the close. Card accounts are left out.
22 October 2026
Health checks flag a forecast move with no comment
The Health page now points out when the full-year profit forecast has moved by more than your variance threshold since the last close and none of the lines that moved most has a group comment for that month, so the MBR doesn't carry the move unexplained.
22 October 2026
What moved, month by month, in the Excel download
The What moved sheet in the Excel download now repeats every line that moved month by month: the earlier forecast, the best guess now and the change for each month, with a live full-year total.
22 October 2026
Forecast track record in the owners' pack
The owners' pack and its PowerPoint now show how close the forecast made after each month-end came to the actuals for the last six months, as on Forecast & scenarios. Click a month for every line.
22 October 2026
Next 13 weeks of cash in the owners' pack
The owners' pack and its PowerPoint now show the next 13 weeks of cash from the last close: opening cash, the lowest point and its week, and cash at week 13, as on Balance sheet & cash.
22 October 2026
Health checks flag PAYE and NI in arrears
The Health page now warns when an entity owes more than half a month's staff cost in PAYE and NI at the month end, which usually means more than one month is unpaid. It shows the amount and drills to the balance-sheet accounts.
22 October 2026
Health checks spot budget rows for unknown entities
The Health page now warns when the budget has rows for an entity code this workspace doesn't have. Budget vs actual leaves those rows out, so the check shows the amount they hold this year and points to Data & mapping to upload the budget again.
22 October 2026
What moved the forecast in the Excel download
The Excel download has a "What moved" sheet: the full-year forecast now against the one before the last close, revenue and the headline profit line first, then every line that moved, with the change as a live formula.
22 October 2026
What moved the forecast in the owners' pack
The owners' pack and its PowerPoint now show what moved the full-year forecast since the last close: revenue, the headline profit line and the lines inside it that moved most, as on Forecast & scenarios.
22 October 2026
13-week cash finds NI payable accounts
The 13-week cash view now also treats a current liability named with NI, such as "NI payable", as PAYE and NI owed, so it is paid on the 22nd rather than with salaries on the 25th.
22 October 2026
Budget template keeps the budget on file
Uploading a budget replaces it for every month, so the template on Data & mapping now comes with the budget on file for finance, and from three months before the year end with next year's months too. Fill in next year and upload the whole file: this year's budget stays as it was.
22 October 2026
Excel forecast formulas follow the right revenue
On the Excel forecast sheets, direct costs now follow the revenue that drives them, as on Forecast & scenarios: a revenue stream with direct costs of its own drives only those costs, and the other direct costs follow the rest. Recalculating the workbook no longer changes any figure.
22 October 2026
What moved the forecast: headline lines first
The lines under the two headline rows of "What moved the forecast" are now the ones inside the headline profit line. Lines below it, such as depreciation, are counted in a note and listed when you click a headline change.
21 October 2026
Health checks the budget covers the year
Health checks now warns when the primary budget has no figures for some months of this fiscal year, which makes those months' variances read as the whole actual, and from February flags when next year's budget isn't loaded yet. Each finding links to Data & mapping, where the budget is uploaded.
21 October 2026
Ask Foresail explains what moved the forecast
Ask Foresail can now answer "why did the forecast change since last month?": the full-year revenue and headline profit now against the forecast on record before the latest close, and the lines that moved most, month by month. Read-all roles only, like the card on Forecast & scenarios.
21 October 2026
Ask Foresail answers cash questions
Ask Foresail can now read the 13-week cash view: opening cash, the weekly receipts, supplier payments and payroll, the lowest point and how it is built. It says the view is indicative and what it leaves out. Read-all roles only, like Balance sheet & cash.
21 October 2026
What moved the forecast since the last close
Forecast & scenarios has a new card comparing the full-year best guess with the forecast on record before the latest month-end close: revenue, the headline profit line and the five P&L lines that moved most. Click a change to see it month by month. It answers why the full year changed since the last MBR.
21 October 2026
Outturn against budget in the Excel download
The Excel download has a new Outturn vs budget sheet: for every P&L line, the full-year best guess (actuals for closed months, then the forecast), the full-year budget and the variance as a live formula, with subtotals down to the result. It covers the group and each entity that has its own budget, so the MBR outturn table no longer needs building by hand.
21 October 2026
Ask Foresail reads Health checks
Ask Foresail can now answer "is anything wrong in the ledger?" from Health checks: the open findings, most serious first, with their amounts, entities and any note finance left when handling them. Department managers don't see Health, so it tells them so.
21 October 2026
Direct Debit forecast by market
KPIs has a new Direct Debit forecast: value withdrawn in each market times the share collected by Direct Debit, month by month for the year. Closed months use the actual value withdrawn, later months the best guess, with the budget alongside. Finance sets each market's DD % (it starts at 11.8% for euro markets and 57.4% for sterling ones). Every figure drills down, and each table downloads to Excel.
21 October 2026
Health warns when forecast inputs run out
Health now tells you when the FP&A short-term forecast has ended or covers only next month, and when an approved department plan has no open month left. In both cases the best guess quietly goes back to the drivers, so import a newer forecast or ask the department for a new plan.
21 October 2026
Excel forecast sheets match the best guess
The forecast sheets in the Excel download now show the best guess exactly as Forecast & scenarios does. Months set by the FP&A short-term forecast or an approved department plan are figures, marked on the line, and the months after carry on from them with live formulas where they can. Group-level rows of the short-term forecast get rows of their own on the group sheet. Before, the sheets used the drivers only.
21 October 2026
Health lists big variances still without a comment
Before the monthly review, Health checks now lists the group P&L lines that are £10k or more away from budget in the last closed month and have no comment yet, with a link to Budget vs actual for that month to write them. Finance can change the £10k on Health, under Thresholds.
20 October 2026
Ask Foresail quotes finance's comments
When you ask Ask Foresail why a line is over or under budget, it now reads finance's variance comments for those lines and months and quotes them, rather than guessing a reason. Department managers get only the comments on their own lines.
20 October 2026
Saved forecasts keep what you saw
Saving a forecast version now stores the figures exactly as Forecast & scenarios shows them, including the FP&A short-term forecast and approved department plans. Before, a saved version kept the drivers' figures only, so Compare versions could show a gap against the live best guess that wasn't really there. Versions saved earlier keep their figures.
20 October 2026
Managers see finance's comments on their lines
Department managers now see finance's variance comments on their own department's lines on My budget vs actual: lines with a comment show ✱, the month's comments are listed under the table, and the line's drill-down and the Excel export include them. Managers still can't write comments, and never see comments on other departments' lines.
20 October 2026
KPI actuals from Power BI
Admins can connect a Power BI semantic model on Data & mapping. Every night after the Xero sync, Foresail reads the monthly usage KPIs it is set up for (such as active users, withdrawals, value withdrawn and platform fee revenue) into KPI actuals, with a read-only app sign-in. The KPIs page says when they were last pulled, and Health flags a pull that failed or is more than 3 days old. Where the platform's own fee revenue is loaded, the fee revenue check sets what the platform billed against what Xero booked, and the fee per withdrawal is worked out from it.
20 October 2026
Partner cross-sales from the go-live tracker
On Forecast & scenarios, the partner cross-sales line can now follow the go-live pipeline: its last 3 months' average plus employees live from dated go-lives × revenue per employee, after the slip. Choose Go-live pipeline as the line's revenue method. It takes precedence over the FP&A short-term forecast for that line, and the partner ramp in FP&A's forecast shows as a risk under the totals with its effect on EBITDA, in the forecast check on KPIs and in the owners' pack outlook. Go-lives carry a client and a status (live, implementing, planned, at risk); at-risk ones are left out unless you include them. Load the partner's tracker from a CSV or Excel file, check the preview, then save the drivers as usual.
20 October 2026
Usage in the owners' pack PowerPoint
The owners' pack PowerPoint now has a Usage slide with the same KPI figures as the page: transacting users, logins, withdrawals, value withdrawn, fees and conversion, for the month and year to date against the KPI budget.
20 October 2026
Track record picks up approved plans straight away
Approving a department's plan now saves a snapshot of the best guess, so the forecast track record shows the forecast with that plan in it rather than waiting for the month end.
20 October 2026
Revenue forecast from users and withdrawals
On Forecast & scenarios, each entity's revenue lines can now be forecast from KPI drivers instead of a growth rate: active users × withdrawals per active user × fee per withdrawal, plus subscription and other revenue, for each segment, with new clients, adoption, logging-in and transacting shares behind the users. Defaults come from the last 3 months of KPIs, each with its source; where a funnel figure has no actual yet, the FP&A estimate is used and labelled. A loaded KPI forecast replaces any step for the months it covers. The FP&A short-term forecast still wins for its months; after it, a line on KPI drivers takes the drivers' figures. Revenue drill-downs show the maths for the month.
20 October 2026
KPIs against budget and the forecast, with a fee revenue check
KPIs now load from a CSV or Excel file with one figure per row (KPI, unit, entity, segment, version, month, value), with a preview before saving. The KPIs page shows actual, budget and forecast by month for the group, an entity or a segment, unit economics next to the P&L, and a check of Xero fee revenue against withdrawals × fee, month by month. Health flags a month when Xero is short by more than 5% and £2k. Overview has a strip of active users, withdrawals and revenue per withdrawal against budget, the owners' pack a usage section, and KPIs can go in My views and Ask Foresail.
20 October 2026
Approved department plans are in the forecast
When finance approves a department's plan, its figures now replace the best guess for that department's cost lines in the months the plan fills, on Forecast & scenarios, Overview, the owners' pack and everywhere else the forecast shows. The latest approved plan stays in use until finance approves a newer one. Revenue lines in a plan are a sign-off only.
20 October 2026
Health check: accruals and prepayments that haven't moved
Health lists accrual, deferred income and prepayment accounts of £1k or more that have held the same balance for 3 month ends. That usually means a release or amortisation journal was missed. Balances are compared in each entity's own currency, so a euro balance doesn't look like it moved because the rate did.
20 October 2026
Health check: an entity missing its latest month
Health warns when an entity that posts most months has no P&L for the latest month the other entities have. That usually means its close isn't finished or its sync failed, and the group figures miss it until it syncs. The drill-down shows the entity's result by month.
20 October 2026
Health check: balance sheet ties to the P&L
Health checks each entity's balance sheet against its P&L for the last 12 months, in the entity's own currency. Every posting has two sides, so the balance sheet should move by the month's profit or loss. A month that doesn't tie usually means part of that month didn't sync: the drill-down lists the months and the gap.
20 October 2026
Department plans
Department managers can now plan their own lines for the rest of the year on My forecast, add a note and send the plan to finance. Finance sees every department's latest plan on Forecast & scenarios, with what it changes against the best guess line by line, and approves it or returns it with a note. Every submission and decision is kept.
20 October 2026
Excel downloads confirm themselves
Every Excel download now shows a small "Excel downloaded" note in the corner of the page, wherever you start it: the Export buttons, the Excel button on any table, My views and Ask Foresail.
20 October 2026
Compare versions for one entity
Compare versions has an entity picker. Pick an entity to compare its budget (when the budget is set per entity), the best guess, the scenarios and saved versions for that entity alone. Swap keeps the entity.
20 October 2026
Entity forecasts against their own budget
When the budget is set per entity, picking an entity on Forecast & scenarios now shows that entity's budget and variance by line, and the budget line on its charts. In the owners' pack, Revenue by entity has each entity's year-to-date budget and variance, on the page and in the PowerPoint.
20 October 2026
KPIs and unit economics
A new KPIs page shows live clients, eligible employees, active users, withdrawals, value withdrawn and headcount by month, for the group or one entity. Next to the Xero actuals it works out adoption, withdrawals per active user, average withdrawal, revenue per active user and per withdrawal, direct cost per withdrawal and staff cost per head. Finance loads the figures from a CSV on the same page, and every figure opens to show what it is made of.
20 October 2026
Entity budgets on Overview
When the budget is set per entity, picking an entity on Overview now compares it with that entity's budget: the tiles, the revenue and monthly charts, and the budget to actual bridge. A budget held only at group level still shows on the group view.
20 October 2026
Compare against an earlier FP&A forecast
Compare versions now lists earlier FP&A forecast files you've imported. Each one shows the best guess as it would be with that file as the short-term forecast, on today's actuals, so you can see what moved since the last file.
20 October 2026
Health checks: suspense, balance-sheet jumps and wrong-way postings
Health checks now flag suspense, clearing and unallocated accounts that still hold a balance at the month end, balance-sheet accounts that moved far more than usual in the month, and income or cost accounts that went the wrong way round in the month (for example a large credit note or a reversed accrual). Click any figure to see the balances or postings behind it.
20 October 2026
Commentary in the owners' pack
The largest variances table in the owners' pack now shows finance's comment on each line from Budget vs actual: the month's comment, or the latest one this year with its month. The PowerPoint download carries it too.
20 October 2026
Locked forecasts stay as saved
Saving a new best guess makes it the one everyone sees. A version you've locked keeps its figures exactly as saved. While it's in the same financial year, you can check the new forecast against it on Compare versions. The message after saving says which version was replaced.
20 October 2026
The owners' pack as PowerPoint
The owners' pack has a PowerPoint button. It downloads the month's pack as slides: results against budget with the headline, what drove the month, the full-year outlook, largest variances, the balance sheet, revenue by month and by entity, cash and funding, and ledger health. The figures are the same as on the page, in £k.
20 October 2026
Preview as another role
Admins can see Foresail as finance, a viewer or a department manager would, from People & access. It changes the role, not the person, nothing can be changed while the preview is on, and it ends by itself after 2 hours or when you click Leave preview.
20 October 2026
Comments on Budget vs actual
Finance can now explain a line for a month on Budget vs actual: pick the line in the Commentary card under the table and write what happened. Lines with a comment show a small star, and the comment appears when you click the figure and in the Commentary sheet of the Excel export. Comments are kept separately for the group and for each entity.
20 October 2026
Health check: regular suppliers with no bill
The nightly sync now reads supplier bills from Xero. A new health check lists suppliers billed in at least 3 of the previous 4 months that have no bill in the latest closed month, with their typical monthly amount. Click the amount to see each supplier's last 4 months, so you can chase the invoice or accrue it.
20 October 2026
Sign off the account review
On Budget vs actual, Review now lets finance mark each flagged account as explained, with a note, and shows how many flags are explained for the month. Anyone who reads all lines can see the notes. The Excel export adds a Review sheet for the latest month with each flag and its explanation.
20 October 2026
Largest variances and the balance sheet in the owners' pack
The owners' pack now lists the P&L lines furthest from budget year to date, with the month's variance beside them, and a group balance sheet for the month end with the change on the month before and on the opening balance sheet. Every figure drills down.
20 October 2026
Pipeline go-lives counted once
Partner clients' revenue lands in the normal revenue accounts in Xero, so once a pipeline go-live has happened it's already in the actuals trend. Including the pipeline now adds only the part the last 3 months don't hold yet, and the Downside no longer delays go-lives that are already live.
20 October 2026
Keyboard focus stays in drill-downs
While a drill-down panel is open, Tab and Shift+Tab move between its figures and buttons only, so keyboard and screen reader users don't lose their place behind it. Escape still closes it and takes you back to the figure you came from.
20 October 2026
13-week cash in Excel
The Excel export has a 13-week cash sheet with the same figures as Balance sheet & cash: receipts, supplier payments, payroll and closing cash by week, plus the inputs behind them. Net and closing cash are live formulas, so you can change the opening cash or a week's figures and see the balance move.
20 October 2026
13 weeks of cash
Balance sheet & cash now shows cash week by week for the 13 weeks after the last closed month: receipts, supplier payments, payroll and the closing balance, with the lowest point called out. It starts from month-end cash, receivables and payables and then runs at the last 3 months' pace. Click how it's built to see every input.
20 October 2026
Drill-downs from the keyboard
Tab to any underlined figure and press Enter or Space to open what's behind it. The panel takes focus as it opens and keeps it when you go a level deeper or back, and Escape closes it and takes you back to the figure you came from. Buttons and figures show a clear, higher-contrast outline when you reach them with the keyboard.
20 October 2026
New revenue lines counted once
A new revenue line you add on Forecast & scenarios is added on top of the forecast until its revenue shows in the actuals. Once it has gone live in closed months, the forecast only adds the part the last 3 months of actuals don't already hold, so the client isn't counted twice. Click a revenue figure to see when this applies.
20 October 2026
Forecast import: change by line
When you preview an FP&A forecast file on Forecast & scenarios, open Change by line to see every line the file would move for the full year: the best guess now, with the file, and the difference. Download the template, edit it in Excel and upload it back to see exactly what your edits change before you save.
20 October 2026
Safer Xero syncs
If Xero fails on one month during a sync, that month keeps its previous figures instead of being left half updated, and the other months carry on. Busy or failed Xero calls are retried. Data & mapping shows how many Xero calls each organisation used in the last 24 hours against the daily allowance, and flags any months the last sync couldn't update.
20 October 2026
A more accurate forecast, with its track record
Forecast & scenarios now adds recurring costs the FP&A forecast leaves out or understates. Accounts with actuals in at least 3 of the last 4 months are checked against the FP&A figure for their line, and where that figure falls short of their average over the last 3 months by at least 10% and £1,000 a month, the shortfall is added. Only the shortfall is added, so nothing the FP&A forecast already covers is counted twice. The adjustments show as a line of their own; click it to see them account by account, with the months they apply to. They are on by default, and finance can switch them off for the workspace on the Forecast page. When the FP&A forecast is set for the group only, each entity now shows its share, based on its last 3 months, and the group still matches the file exactly. A new Track record card compares the forecast made after each month-end with the actuals, for revenue, total costs and EBITDAC over the last 6 months. Scores start after the next month-end close.
20 October 2026
Workspace card in the sidebar
The card at the top of the sidebar now shows the workspace's initials and how many Xero organisations it brings together, above your role.
20 October 2026
Compare versions: click a bridge bar
On Compare versions, every bar of the bridge now opens its lines for the full year in both versions, with the difference and a total.
20 October 2026
Budgets per entity
You can now load the budget per entity: put the entity code in the entity column of the budget file. Budget vs actual then compares each entity with its own budget, and the group budget is the sum of the entities. My views and Ask Foresail use the entity budget too. A budget set at group level works as before.
19 October 2026
Named clients and partner cross-sales on their own lines
A large named client now has its own revenue line everywhere, with revenue excluding it where totals matter, and Overview says how much of the revenue gap it accounts for. A new tick box at the top of Overview, Budget vs actual, Forecast & scenarios and the Owners' pack switches every figure between the grid basis, where partner cross-sales are a memo line, and revenue, gross margin and EBITDA including them. Foresail remembers your choice. The Owners' pack shows revenue with and without cross-sales and without the named client, as the monthly review does. The named client's forecast revenue carries direct costs at the same share as the rest of revenue, on a line of its own. Click a forecast revenue figure to see what it is made of: the FP&A forecast, the named client, cross-sales, new lines and the drivers. Cross-sales aren't tagged in Xero, so their actuals show as zero.
19 October 2026
Excel on every table
Every table in Foresail now has a small Excel button at its top right. It downloads the table as you see it, with figures as real numbers you can add up. Ask Foresail also lays out its answers properly, with tables, lists and links to pages, and when you ask for something in Excel it gives you a Download Excel button straight away.
19 October 2026
Compare versions
Forecast & scenarios has a new Compare versions page. Pick any two of the budget, the best-guess forecast, Downside, Upside or a saved version, and see a full-year bridge between them and the difference by line and month. Saved versions show their figures as they were saved, so you can see what changed since last month's forecast.
19 October 2026
Pipeline in the Excel forecast
The Excel download now shows the pipeline from Forecast & scenarios as a memo line under the forecast, on its entity's sheet and the group sheet. It stays outside revenue and EBITDA, as it does on screen until you tick Include.
19 October 2026
My views
A new My views page under Plan & report. Build your own charts, tables, KPI tiles and bridges from revenue, margins, costs, EBITDA or any single line, for the group or one entity, as actuals, budget, the best-guess forecast or the variance to budget. A live preview shows the result as you build it. Each view shows only what your access allows, every figure drills down, and each view exports to Excel. Admins can share a view with the whole workspace.
19 October 2026
Ask Foresail
Type a question in the bar at the top of any page. Foresail answers from your own numbers, can add a chart to your views, prepare a download or, for finance, save a forecast scenario. If you need something new built, it files a request for an admin to approve, and you can follow it on the Requests page. Who can do what shows what each role may see and do.
19 October 2026
Import the FP&A forecast
Forecast & scenarios can now take the FP&A team's forecast from Excel or CSV. Download the template, already filled in with the best guess, change what you forecast differently, then upload it, check the preview and save it. Tick Use for the short term and the best guess takes those months as they are, then carries on with the drivers from the last one.
19 October 2026
Owners' pack
A new page under Plan & report shows a closed month the way the shareholders see it in the monthly review: a headline, results against budget for the month and year to date with the drivers of each line, the full-year outlook on the best-guess forecast, revenue by month and by entity, cash and runway, and ledger health. Pick the month at the top. Every figure opens the accounts behind it, and Print / PDF gives a clean landscape pack.
19 October 2026
Account review for the month end
Budget vs actual has a new Review view for a closed month: every mapped account with its actual, its share of the budget and its 3-month average. Accounts with nothing booked after 3 active months (a possible missing invoice) or a swing of more than 30% and 2k are flagged first.
19 October 2026
Pipeline line in the forecast
Forecast & scenarios has a new Pipeline section for clients going live through a partner: go-lives by month, employees, revenue per employee and a slip in months. It stays a memo line outside revenue and EBITDA unless you tick Include, on that page or on Overview.
19 October 2026
Forecast in the Excel export
The Excel export now includes the best-guess forecast: a drivers sheet, a group sheet and one sheet per entity. Open months are live formulas, so changing a driver in Excel recalculates the forecast. Closed months are Xero actuals.
19 October 2026
Forecast on Overview
Overview now shows the best-guess forecast next to the actuals: teal bars for the open months in revenue by month, a full-year forecast tile against budget, and a sentence on the full-year outturn in the summary. Click any of them to see actual, forecast and budget by line.
19 October 2026
Full-year bridge on Overview
The bridge on Overview now has a Full year option. It walks from the full-year budget to the best-guess outturn: actuals for closed months plus the forecast for the rest. Click a bar to see each line's actual, forecast and budget.
19 October 2026
Best-guess forecast and scenarios
A new Forecast & scenarios page: closed months from Xero, open months forecast from drivers based on the last 3 months. Compare best guess, downside and upside against budget, add new revenue lines, and save a version. Click any forecast figure to see how it was worked out.
19 October 2026
A new Overview
The Overview now follows the original design: a ledger health tile, the EBITDAC bridge next to revenue by month, and a short "What moved year to date" summary written from the Xero actuals. Every figure in it opens the accounts behind it. Print / PDF gives a clean page for packs.
19 October 2026
EBITDA bridge on Overview
A chart that walks from budget EBITDA to actual EBITDA for the year to date, one bar per line. Green bars helped, red bars hurt. Click a bar to see the accounts behind it.
19 October 2026
A friendlier screen when a page breaks
If a page fails to load you now see a short message with a reload button instead of a blank screen, and the error is logged so it can be fixed.
19 October 2026
Reset access for a colleague
Admins can create a one-time link, valid for 24 hours, that lets a colleague set a new password and set up their authenticator again.
19 October 2026
Two-step sign-in and invite links
Every account signs in with a password and an authenticator app. New people join through a one-time invite link, and every change is recorded in the activity log on People & access.