NEW Plain-language scenarios, now with fundraise timing

Know exactly how long your cash lasts, and what changes if you hire, cut, or spend differently.

Morgonplex connects to your accounts, forecasts your cash flow, tracks burn and runway, and lets you ask what if in plain language. The financial clarity of a CFO, without hiring one.

14-day free trial Read-only bank connections First forecast in under 10 minutes
Runway alert

Burn rose 6% over the last 60 days. Cash-out moved 3 weeks earlier.

Synced 2 min ago
412 transactions

Categorised across bank, payments and ledger.

Runway projection Acme Labs, consolidated
Live
Cash on hand₹50L
Net burn / month₹5.6L
Runway8.5 mo
Projected cash-outMay 2027
₹0₹18L₹36L₹54L₹72LMarJunSepDecMarJunSepDecMarTodayCash-out May 2027Cash-out May 2027
Baseline8.5 mo
Cut marketing 20%8.9 mo+0.4 mo

Connects to the systems your numbers already live in

TallyZoho BooksQuickBooksXeroRazorpayStripeHDFC BankICICI BankAxis Bank
The problem

Most teams learn their runway from their bank balance. By then it is late.

Without a finance function, the forward view gets skipped. The spreadsheet is stale, the model is someone's side project, and the board deck is rebuilt by hand every quarter.

< 3 mo

You find out cash is running short when there is already less than three months left.

2 days

Modeling a hiring decision means building a spreadsheet from scratch, if anyone has time.

3 versions

Board and investor updates get assembled by hand, and the numbers never quite match the ledger.

How Morgonplex works

From raw transactions to a runway you can question

Four stages, running continuously in the background. No month-end export, no model to maintain.

1

Connect

Link your accounting software, bank feeds and payment data in a few clicks.

Zoho BooksSynced
HDFC current a/cSynced
RazorpayImporting
2

Forecast

AI projects cash flow forward from your actual income and spending patterns.

Avg. monthly inflow₹18.4L
Avg. monthly outflow₹24.0L
Net burn₹5.6L
3

Explore

Ask what if in plain language and watch the runway shift in seconds.

Hire 2 engineers-2.1 mo
Cut marketing 20%+0.6 mo
Raise ₹1.5Cr in Q2+22 mo
4

Report

Board-ready financial summaries generated automatically and always current.

Q3 board packReady
Monthly investor noteReady
Last refreshedToday
What the AI actually does

Four jobs a CFO would do, running every day

Not just a chart. Each capability produces something you can act on or send.

Cash flow forecasting

Projects forward from real income and expense patterns, including seasonality, payment terms and recurring vendors, not a fixed growth assumption.

Monthly net cash, actual vs forecastForecast shaded
Explore forecasting

Runway risk flagging

Surfaces a shrinking runway well before it becomes urgent, with the reason it moved.

Runway8.4 months

Down 0.7 mo since last week. Cloud spend up ₹62K.

Explore runway tracking

Plain-language scenario modeling

Turns a question into an updated projection. No formulas, no copy of the model.

What if we hire two engineers in November?
Burn rises to ₹7.4L. Cash-out moves from Jun 2027 to Apr 2027.
Explore scenarios

Board-ready summary generation

Compiles investor and board updates automatically from live data, reconciled to your ledger, with commentary drafted for you to edit.

Board summary, SeptemberReconciled
Closing cash₹52.9L
Net burn (3-mo avg)₹5.4L
Runway9.8 months
Revenue, MoM+7.2%
Explore board summaries
Who it is for

Built for two kinds of finance-lean teams

Startups

Runway clarity and investor-ready reporting without a full-time CFO.

  • Know your cash-out date before your investors ask
  • Model hires against the next round, not against hope
  • Monthly investor updates drafted from live numbers
Morgonplex for startups

SMBs

Cash planning and scenario modeling for owners running finance themselves.

  • See lean months coming, including GST and payroll weeks
  • Test a new location, hire or loan before committing
  • Share a clean summary with your bank or CA
Morgonplex for SMBs
Forecastedcash flow, from your real patterns
Plain languagescenario modeling, no spreadsheet required
Automaticboard-ready summaries, always current
The runway lab

Tell us your cash and monthly burn. See your runway.

Two rough numbers, no signup. Fill in the blanks and the projection redraws around your business, then ask it a what-if.

We have₹Lin the bank and spend about₹Lmore than we earn each month.

Your illustrative runway
11.5months
Cash-out around Aug 2027. Under a year. Most fundraises take 4 to 6 months, so the clock is already relevant.

An illustrative projection based on the numbers entered, not a live read of your actual accounts. Nothing you type here leaves your browser.

Cash on hand₹80L
Net burn / month₹6.5L
Runway11.5 mo
Projected cash-outAug 2027
₹0₹26.7L₹53.3L₹80LSepJanMaySepJanMaySepCash-out Aug 2027Cash-out Jun 2027
Baseline11.5 mo
Hire 2 engineers9.3 mo-2.3 mo

Those were guesses. Connect your accounting and bank feeds and Morgonplex replaces them with your real burn, recalculated every day, with an alert the moment your cash-out date moves.