A forecast that starts from how your money actually moves
Morgonplex builds your forecast from twelve to twenty-four months of real transactions, then keeps it current every day. No growth-rate guess typed into a cell.
Three layers of pattern, one projection
Every forecast is the sum of separate models for money coming in and money going out. Each is visible, and each can be overridden.
Recurring commitments
Payroll, rent, subscriptions, loan EMIs and statutory payments are detected from history and scheduled on the dates they actually clear.
Collection behaviour
Invoices are projected on when each customer tends to pay, not when the invoice is due. A client who pays in 52 days is modelled that way.
Variable and seasonal spend
Marketing, cloud, travel and inventory are forecast with seasonality, so festive-quarter peaks and year-end lulls show up ahead of time.
One forecast, end to end
An illustrative B2B software company with ₹50L in the bank. Historical data goes in on the left; the projection comes out on the right.
In: last 6 months of history
Out: 12-month projection
Forecasts that update themselves
When a customer pays early, a vendor raises prices or a new subscription appears, the forecast absorbs it on the next sync. You see what changed and by how much.
- Daily re-forecast on new bank and ledger data
- Change log explaining every movement
- Manual overrides that persist across refreshes
- Weekly, monthly and quarterly views
Forecasting FAQ
How much history do I need?
Six months gives a usable forecast. Twelve to twenty-four months lets the engine pick up seasonality and annual payments properly.
How accurate are the forecasts?
Accuracy depends on how regular your business is. Every forecast month shows a confidence band so you can see where the engine is sure and where it is not. Forecasts are decision support, not a guarantee.
Can I override a projection?
Yes. You can pin any line item, add known future events like a new contract, and your overrides persist through daily refreshes.
Get your first forecast today
Connect your ledger and bank. The engine reads your history and projects twelve months forward in minutes.