Grow like you already know how the year ends.
Budgeting and forecasting services that turn your goals into a plan. The year ahead is being decided now, in the hires you make, the costs you commit to and the cash you keep. Build it on clear numbers, so every decision moves you forward.
Get my budget plan- Make every big call knowing exactly what it means for your cash
- Spot a slipping month early, while there is still time to fix it
*Departures have only followed client-side changes such as acquisition or internal build-out.
- Prior-year actuals and data request Done
- Revenue and headcount drivers Done
- Opex and capex budget Done
- Base, upside and downside scenarios In progress
- Budget pack Ready for your sign-off
Board approval in 12 daysYour time this week: one review
"We've had a great experience working with TAG. They're responsive, open to new ideas, and have consistently delivered on time and on budget. For Banner Ayala Associates, they're a trusted partner we rely on to deliver for our clients."
Dan AyalaManaging Director, Banner Ayala AssociatesThe signs budget season needs more hands.
Tick the ones that sound like your last planning cycle.
Tick the ones that apply to see where the pressure sits.
Talk to our teamGet our report template.
A clear monthly report that shows how the business is doing against the plan, ready for your own numbers.
- Revenue, costs and profit for the month and year to date
- Budget vs actual, with every variance in one place
- Key numbers and space for commentary on what changed
- Works in Excel and Google Sheets
A plan you can trust, and the checks to deliver it.
We start with your growth thesis, test it against real numbers and set the budget that supports it. Monthly reviews of budget against actuals keep the plan current, so every decision during the year is based on where you really are.
Annual Operating Budget
A full-year budget set up around your revenue and cost drivers, so the numbers are easy to explain, approve and update.
- Driver-based revenue budget
- Headcount and payroll planning
- Operating expense budget by department
- Capex and depreciation schedule
- Budgeted P&L, balance sheet and cash flow
- Monthly phasing and seasonality
A three-statement budget you can approve with confidence.
Ideal for setting next year's plan before the year begins.
Read our FP&A guide →Rolling Forecasts & Reforecasts
Forecasts that roll forward each month or quarter and stay tied to actuals, so you always know where the year is heading.
- 12 to 18-month rolling forecasts
- Quarterly reforecasts
- Budget vs actual variance analysis
- Variance commentary for your review
- Full-year outlook updates
- KPI and driver tracking
A forecast that stays current all year, well past budget season.
Ideal when you want a monthly or quarterly view of the year ahead.
Read the fractional CFO case study →Cash Flow Forecasting
Short and medium-term cash views that show you how much headroom you have and when to act on it.
- 13-week cash flow forecast
- Monthly cash flow forecast
- Working capital planning
- Debt and covenant tracking
- Funding and runway analysis
- Lender-ready cash reports
A clear view of cash, weeks ahead of any pressure point.
Ideal if you are raising funds, working with lenders or growing fast.
Read our cash flow guide →Scenarios & Budget Packs
Scenario analysis and presentation-ready budget packs that help boards, owners and lenders agree on the plan.
- Base, upside and downside scenarios
- Sensitivity analysis on key drivers
- Capital budgeting and ROI analysis
- Board and lender budget packs
- Investor budget summaries
- Documented budget assumptions
A budget pack ready to present, with every assumption documented.
Ideal for budgets going to boards, investors or lenders.
Read our capital budgeting guide →Close the year with next year's budget approved.
Without a plan, the new year starts on guesswork: hiring on hope, spending on instinct and finding out in March what went wrong. These working days are your chance to change that.
Until 31 December 2026
Counting nowHow to use the time left
- Share this year's actuals and goalsThis week
- Agree the drivers and assumptionsNext two weeks
- Review the first draft of the budgetBefore the holidays
- Start the year with an approved planJanuary
Exact dates are agreed with you at kick-off. Plan your budget with us →
Budget vs actual, one click away.
Your approved budget goes straight into our white-label CFO dashboard, complimentary for 3 months. Track the plan without opening a spreadsheet.
Budget vs actual, every month
Actuals load against the approved budget, with variances shown by line and by month.
Current, and under your brand
Figures update from your books and appear under your logo and domain.
Reviewed variance commentary
Monthly variances arrive with clear commentary, checked by an analyst before you see it.
A process that protects the plan.
Every assumption is tested, every number is checked and every variance is explained, by the same team from discovery to monthly review.
Understand your business
We start with your goals, revenue drivers, cost base and the decisions the budget needs to support.
Collect the numbers
Prior-year actuals, payroll, contracts and pipeline are gathered under NDA, with any gaps flagged early.
Test against market standards
Assumptions are checked against your own history and industry benchmarks, so every number can be defended.
Resolve and present
Open questions are settled with you, and the budget is presented as a clear growth plan, ready for approval.
Confirm the plan holds
Before sign-off, formulas, links and totals are checked line by line, so the approved plan stands up to review.
Highlight the variance
Actuals are set against the plan each month, with every variance explained: what drove it and what to do next.
For everyone who plans the year ahead.
Fractional CFOs and CPA Firms
Offer budgeting and forecasting under your brand. We prepare the models, forecasts and budget packs, and you keep the client relationship and the final say.
Startups and Growing Businesses
Set a budget the whole team can work to, with a forecast that keeps pace as the business grows, without hiring a full finance team.
How firms usually handle budget season.
| Factor | Hire an FP&A analyst | Freelance analyst | The Algebra Group |
|---|---|---|---|
| Budget season peaks | Hiring takes months | Limited to one person's hours | A team that scales up around budget deadlines |
| Range of work | Depends on who you hire | Usually one specialism | Budgets, forecasts, cash flow and budget packs |
| After the budget is approved | Fixed salaries through quieter months | Starts again next year | Same team runs budget-vs-actual and reforecasts |
| Confidentiality and brand | In-house | Varies by person | NDA, white-label, no client solicitation |
| Cost structure | Salaries, benefits, recruiting | Hourly, hard to predict | Ad hoc, retainer or outcome-aligned |
In the words of the firms we work with.
"We've had an excellent experience working with The Algebra Group (TAG) for financial modeling and analysis. They consistently deliver high-quality, well-structured models with strong attention to detail. TAG demonstrates a clear understanding of real-world CFO and client requirements, and operates seamlessly as an extension of our team, enabling efficient scaling without compromising standards. I confidently recommend TAG to fractional CFO firms seeking a dependable financial modeling partner."
Gee LeungManaging Partner, Black Court"I've had the pleasure of working with Varun for many years, and that trust has continued seamlessly with The Algebra Group (TAG). From day one, TAG has consistently delivered high-quality work across valuation, financial analysis, bookkeeping, and financial advisory. They excel at managing complex engagements while aligning stakeholders and tight timelines. Their financial insights are clear, structured, and highly actionable. TAG combines precision, reliability, and deep process understanding with strong execution discipline. I highly recommend Varun and TAG to businesses seeking a dependable, detail-driven finance partner."
Walter J. WhiteheadFounder & CEO, Hunter Baron"We've had a great experience working with TAG. They're responsive, open to new ideas, and have consistently delivered on time and on budget. For Banner Ayala Associates, they're a trusted partner we rely on to deliver for our clients."
Dan AyalaManaging Director, Banner Ayala Associates"The Algebra Group (TAG) has played a key role in strengthening our accounting offerings. Their structured approach, accuracy, and consistency have delivered strong, reliable outcomes. TAG operates seamlessly as a trusted extension of our team, ensuring our clients' financials are always well-managed, up-to-date, and aligned with business needs. They bring strategic value from the very start while maintaining high professional standards. I would confidently recommend TAG’s accounting services to growing businesses."
John MeekisonPresident, Sabre Solutions"When I came on board, there was a significant backlog of reconciliations and no real processes in place. The Algebra Group stepped in and got everything straightened out efficiently and thoroughly — years of open items resolved without any disruption to day-to-day operations. They were incredibly easy to work with, always responsive, and just got on with what needed to be done. If the workload picks back up, they will be the first call I make."
Barbara RaviolController"I met Varun at The Algebra Group while I was incubating a fractional CFO service (Banner Ayala Associates). His team provided responsive and reliable financial analysis, modeling, and market benchmarking, along with high quality bookkeeping. I’ve continued to use TAG in my full time CFO role at Plowshare Therapies. I’d recommend Varun and TAG to anyone needing reliable and scalable accounting and analytics support."
W. Henry YaegerChief Financial Officer, Plowshare Therapies"Varun has worked closely with me for several years, and it has been my pleasure to engage in thoughtful and meaningful discussions through The Algebra Group (TAG) on various topics related to financial model development for companies across multiple sectors. I have found his attention to detail and collaborative approach highly commendable and I wish him the very best in his own professional growth as well as the success of his new venture."
Sumantra SenguptaCo-Founder, GR2 Advisors"I have been truly blessed to connect with The Algebra Group through one of their clients. From the very beginning, the experience has been nothing short of exceptional. The Algebra Group has been a tremendous blessing to my business, EACH, LLC. Their team provided me with comprehensive 5-year financial projections, a well-structured investment deck, and a clear, compelling one-page investment teaser. The quality of their work exceeded my expectations. What stands out most is their professionalism, patience, and genuine commitment to seeing their clients succeed. They take the time to explain every detail and consistently offer sound, trustworthy advice. I always felt supported and confident throughout the process. I highly recommend Varun and The Algebra Group to anyone in need of reliable, high-quality financial projections and strategic advisory support. Thank you, TAG—you’re more than a team, you’re family."
Samuel J. Lilly IVCEO/Founder, EACHRead how we supported a US fractional CFO firm with budgeting →
The rest of the finance stack, when you need it.
What firms ask us before budget season.
What do budgeting and forecasting services include?
A budget sets the financial plan for the year, and a forecast updates the outlook as actual results come in. We prepare both for you, along with cash flow forecasts, scenarios and budget packs.
When should we start on next year's budgets?
Most calendar-year budgets go to boards between November and January, so starting the data request in early November leaves time for review rounds. For March or June year-ends, we plan around your calendar.
How long does a budget take?
It depends on the number of entities and the state of the actuals. We agree a delivery date at kick-off, and you receive a first draft for review well ahead of your deadline.
Do you work in our existing models?
Yes. We work in the spreadsheets and planning tools you already use, or set up a new driver-based model where none exists.
Will our clients know you're involved?
No. We work white-label, under your brand and in your formats, and we sign a non-solicitation agreement covering your clients.
What happens after the budget is approved?
It goes into a white-label CFO dashboard, complimentary for the first 3 months, and we can run monthly budget-vs-actual reporting and quarterly reforecasts with the same team.
How is the work priced?
One-off budgets and models are billed on productive hours. Ongoing planning work usually suits a retainer, and established partners can agree outcome-aligned terms.
How do you keep our data secure?
An NDA is signed before any access is given. Permissions are limited to the people working on your account, and access is removed when an engagement ends.
Next year's budgets, ready on time.
Tell us how many budgets you have coming up and when they are due. We'll show you how our team would take them on, from the first data request to the monthly review.
- Share a few details. It takes two minutes using the form.
- Speak with a senior team member about your plans, budget calendar and deadlines.
- Get a clear plan for scope, team and turnaround, with no commitment.
Prefer to talk first? Book a 30-minute discovery call →