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• New: Goals — save toward a car, holiday or anything else; we work out the weekly/fortnightly/monthly amount and track how you're going, with a home-screen glance. • Full what-if scenarios — income, costs, expenses and staff can all differ between scenarios (existing models upgrade automatically). • Easier line editing — tap Edit, drag to reorder, swipe to delete/rename/note. • Fixes for opening/importing shared models & templates on some Android devices.
Plan a business or budget your home — five-year projections, private on-device.
Model Business turns a blank page into a five-year financial plan in minutes — whether you're pressure-testing a business idea or getting a household budget under control. Start from a ready-made template, tap in your numbers, and watch profit, cash and return update as you type. Everything stays encrypted on your device. PLAN ANY BUSINESS • Start from a Product, Service or Franchise template with categories and fixed/variable costs already laid out • Build a full profit & loss: revenue, cost of sales, gross profit and expenses • See net profit, margin and return on investment five years out • Apply CPI to grow costs year on year and test a "what if" instantly BUDGET ANY HOME • The Home budget template lays out 20+ household categories, ready to fill in • Track income against expenses and watch your net surplus — or shortfall — take shape • Plain-English wording tuned for personal finances, no business jargon SPEND ANALYSIS — SEE WHERE THE MONEY GOES • Import a month of transactions from a bank CSV, or tap them in • Merchants are sorted into categories automatically — and it learns your choices • See a clear category breakdown for the month • Turn a month's spending into a ready-made budget in one tap TOOLS • Loan & finance repayment calculator • Wages calculator with superannuation and on-costs • Return on investment and breakeven REPORTS & SHARING • Export a clean, branded PDF — key figures, full P&L, a five-year chart and a line-by-line breakdown • Email a whole model to a partner or accountant; they open it straight in the app PRIVATE BY DESIGN • Every model is a single encrypted file on your device (SQLCipher) • No account, no sign-up, nothing tracked • Works fully offline ONE SIMPLE PRICE Buy Model Business once — every feature unlocked. No subscription, no in-app upsells. Model Business is a planning and budgeting tool. It does not provide financial, investment, tax or legal advice.