FinanceSummary
Books match cashLiquid$6.15M
Provisions$2.0M
Investments$12.5M
BudgetActuals
JulAugSepOctNov
Balance2.3M4.0M6.4M8.6M10.9M
Income9.5M9.5M9.5M9.5M9.5M
Expenses-7.2M-7.8M-7.1M-7.3M-7.2M
Difference2.3M1.7M2.4M2.2M2.3M
Ququ FinanceFor small businesses and independents who plan ahead
See next month before it happens.
Plan income and expenses once, record what actually moved, and see what is left, with a warning the moment your bank balances and your books disagree.
- Budget once: one-off or monthly lines
- Cash flow, summary, and available by month
- Accounts reconciled to what actually moved
Free to start. No per-user fees.
Budget → cash flow
Quotes flow into the budget
Books checked against cash
Included in every plan
The problem
Spreadsheets show last month, not next month
When the budget, what actually moved, and your bank balances live in different files, you are always reconciling backward. Finance keeps all three in one place, so you can see what is left before the month ends.
- The budget and what actually happened drift apart in separate tabs
- Cash flow is a pivot table someone rebuilds by hand
- Bank balances never quite tie to the records
- Nobody knows what is left until the sheet is updated
01How it works
Four steps from plan to what is left
- 01
Budget each income and expense once, one-off or monthly with an end date
- 02
Record actual transactions as money moves
- 03
Read cash flow, summary, and available month by month
- 04
Keep accounts current; Ququ flags when cash and books disagree
02What is shipped
Six views of the same money
Budget
Plan each income or expense once. Monthly lines repeat until their end date; USD and EUR lines convert to COP with an FX rate.
- One-off or monthly with an end date
- Categories and subcategories
- Pause a line without deleting it
Cash flow
Months across, categories down, with Balance, Income, Expenses, and Difference on top, all projected from the budget.
- Running balance month by month
- Switch between category and subcategory
- Built from the budget, not typed by hand
Summary
One chart of your cumulative budget balance against actuals to date, next to your Liquid, Provisions, and Investments totals.
- Budget and actuals on one chart
- Actuals drawn up to this month
- Account totals at a glance
Actuals
Record transactions that already happened, then filter by category, subcategory, and date. Future dates are not allowed, so actuals stay actual.
- Income and expenses as they land
- Filter by category, subcategory, and date
- No future-dated entries
Accounts
Group accounts as Liquid, Provisions, or Investments. Give investments an annual rate to see their projected return, or a negative rate for things that lose value.
- Liquid, Provisions, and Investments
- Projected yearly return per account
- Reorder accounts your way
Available
Budget minus actuals, by category and month, up to this month. Next month appears during the last week, so you can plan the turn.
- What is left in every category
- Budget, Actuals, and Available rows
- Next month shows in the final week
03Why switch
Why teams switch to Ququ Finance
Most finance tools want a full accounting rollout. Finance is built for people who need next month visible, and their books honest, without a bookkeeper on retainer.
Quotes and Food feed the budget automatically, with no copy-paste
Budget, actuals, and accounts in one place, not three spreadsheets
A warning the moment liquid accounts and actuals disagree
Ask your AI assistant to reconcile: Finance tools for Claude, Cursor, and ChatGPT over MCP
COP, USD, and EUR with FX conversion
Flat team pricing, never per user
04Pricing
Start free. Plans from $9/mo.
Finance is included on every plan, just like Quotes.
05FAQ
Frequently asked questions
Yes. Turn on "Add to budget" on a quote and its payment plan lands in the budget as income on each due date, staying in sync with the quote. Food purchases and sales flow into the budget and cash flow the same way.
See next month before it happens.
Plan the month, record what moved, and see what is left.
Free to start. No per-user fees.