Budget tracking that stays current

Setting a budget is the easy part. Knowing whether you are sticking to it requires checking every month, pulling numbers from your accounting software, and comparing them manually. CFO Pal does this automatically in real time.

Budget vs Actuals

March 2026

Staff Costs
£12,400 / £12,500On track
Rent & Utilities
£3,200 / £3,000Caution
Marketing
£2,800 / £2,000Over budget
Software
£1,600 / £1,500Caution
Materials
£6,900 / £8,000On track
Travel
£320 / £500On track

⚠️ Marketing is 40% over budget this month. Total spend across all categories: £27,220 of £27,500 budget (99%).

Real-time budget vs actuals

Set monthly budgets per category. CFO Pal pulls actual spend from your accounting software automatically and shows you the variance in real time.

RAG status indicators

Every category is colour-coded: green (on track), amber (within 10% of budget), red (over budget). See your position at a glance.

Overspend alerts

If a category exceeds its budget by more than 20%, CFO Pal sends you an alert immediately. No waiting until month end to discover the problem.

Year-to-date tracking

See cumulative budget performance across all categories for the full financial year. Spot trends before they become problems.

The problem with spreadsheets

Most budget spreadsheets are updated once at year start and never looked at again. Without live tracking, overspending goes unnoticed until the P&L tells the story months later.

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