No matter your business budgeting and forecasting needs, Up Your Cash Flow's line of software provides a solution that will suit you and your business.
The table below compares the features of Smart Start, XT2, and our newest XT2 Team
Feature |  |  |  | |
|---|---|---|---|---|
Networking | ||||
| Multi-user team workflow | - | - | ♦ | |
Sales | ||||
| Forecast annual, monthly sales | ♦ | ♦ | ♦ | |
| Forecast by product, service, customer, sales person, with individual collection assumptions | ♦ | ♦ | ♦ | |
| Monthly sales: based on last 12 months, equal each month, or as you wish | ♦ | ♦ | ♦ | |
Collections | ||||
| By number of days sales in A/R | ♦ | ♦ | ♦ | |
| As a percentage of sales or in a consistent monthly pattern | ♦ | ♦ | ♦ | |
| Miscellaneous income (3 categories) | ♦ | ♦ | ♦ | |
Cost of Sales | ||||
| Cost of sales as a percentage of sales (material, labor and overhead) | ♦ | ♦ | ♦ | |
| Cost of sales in detail, including material costs and direct labor | - | ♦ | ♦ | |
| Depreciation | - | ♦ | ♦ | |
| Payroll taxes | - | ♦ | ♦ | |
| Overhead (14 accounts) | - | ♦ | ♦ | |
| Cost of sales by product, customer or employee | - | ♦ | ♦ | |
Expenses | ||||
| 4 default departments, 250 items, all fully editable | ♦ | ♦ | ♦ | |
| 5 additional fully editable departments | - | ♦ | ♦ | |
| All expenses can have their own custom payment assumption | ♦ | ♦ | ♦ | |
| Forecast an expense as a fixed monthly amount, percentage of sales, percentage of another expense, or as you wish. | ♦ | ♦ | ♦ | |
| Forecast an expense as a weekly expense, percentage of total cost of goods sold, percentage of gross profit, percentage of a product's sales, or cost per unit sold. | - | ♦ | ♦ | |
| Drill an expense down into multiple items that make it up | - | ♦ | ♦ | |
| Depreciation – all departments | ♦ | ♦ | ♦ | |
| Income taxes and estimated payments | ♦ | ♦ | ♦ | |
| Purchase of equipment | ♦ | ♦ | ♦ | |
| Expense computed on net income | - | ♦ | ♦ | |
| Prepaid expenses and amortization | ♦ | ♦ | ♦ | |
| Fringe benefits as a percentage of payroll | ♦ | ♦ | ♦ | |
Payroll | ||||
| Payroll as a percentage of sales | ♦ | ♦ | ♦ | |
| Payroll as a fixed monthly amount | ♦ | ♦ | ♦ | |
| Payroll by employee | - | ♦ | ♦ | |
| Proprietor’s draw | ♦ | ♦ | ♦ | |
| Payroll taxes | ♦ | ♦ | ♦ | |
Financing | ||||
| Credit line: accounts receivable and inventory based, adjust line as you wish, interest on line, and additional collateral in credit financing | ♦ | ♦ | ♦ | |
| Term loans and automatic amortization | ♦ | ♦ | ♦ | |
| New borrowings and investor activity | ♦ | ♦ | ♦ | |
| Notes receivable amortization | ♦ | ♦ | ♦ | |
Reports | ||||
| Monthly Profit & Loss forecast | ♦ | ♦ | ♦ | |
| Weekly Profit & Loss forecast | - | ♦ | ♦ | |
| Quarterly Profit & Loss forecast | ♦ | ♦ | ♦ | |
| Cumulative Profit & Loss forecast | ♦ | ♦ | ♦ | |
| Monthly Cash Flow forecast | ♦ | ♦ | ♦ | |
| Weekly Cash Flow forecast | - | ♦ | ♦ | |
| Quarterly Cash Flow forecast | ♦ | ♦ | ♦ | |
| Cumulative Cash Flow forecast | ♦ | ♦ | ♦ | |
| Indirect Cash Flow forecast | ♦ | ♦ | ♦ | |
| Projected Balance Sheets | ♦ | ♦ | ♦ | |
| Compare Plan P & L to actual | ♦ | ♦ | ♦ | |
| Compare Cash Flow to actual | ♦ | ♦ | ♦ | |
| Comparative Quarterly Cash Flow | - | ♦ | ♦ | |
| Comparative Quarterly P & L | - | ♦ | ♦ | |
| Financial Plan Notes & Assumptions | ♦ | ♦ | ♦ | |
| Break-even Analysis | ♦ | ♦ | ♦ | |
| Monthly Financial Ratio | - | ♦ | ♦ | |
| Yearly Financial Ratio | ♦ | ♦ | ♦ | |
| Monthly Sales by unit/line | - | ♦ | ♦ | |
| Sales by Unit – Comparative | - | ♦ | ♦ | |
| Monthly Cost by unit/line | - | ♦ | ♦ | |
| Collections by product | - | ♦ | ♦ | |
| Term Loan spreadsheet | ♦ | ♦ | ♦ | |
| Credit availability data | - | ♦ | ♦ | |
| Notes receivable spreadsheet | ♦ | ♦ | ♦ | |
| Payroll in detail/by employee | - | ♦ | ♦ | |
| Monthly Payroll by department | ♦ | ♦ | ♦ | |
| Monthly payroll in detail | ♦ | ♦ | ♦ | |
| Drill Down schedule | - | ♦ | ♦ | |
| Trends in Multi-year forecast | - | ♦ | ♦ | |
| Five year report | - | ♦ | ♦ | |
| Z-score | - | ♦ | ♦ | |
| Sensitivity Analysis | - | ♦ | ♦ | |
| Business Valuation – 4 reports | - | ♦ | ♦ | |
| Cash Flow analysis by job | - | ♦ | ♦ | |
| Monthly net revenue by job | - | ♦ | ♦ | |
Contractor Features | ||||
| Percentage of completion | - | ♦ | ♦ | |
| Cash flow analysis by job | - | ♦ | ♦ | |
| Monthly net revenue by job | - | ♦ | ♦ | |
Extras & Additional Features | ||||
| Break-even analysis | ♦ | ♦ | ♦ | |
| Customer Deposits (Advanced payment on sales) | - | ♦ | ♦ | |
| Deposits to be made | ♦ | ♦ | ♦ | |
| Dividends to be paid | ♦ | ♦ | ♦ | |
| Print individual jobs | - | ♦ | ♦ | |
| Ratio Analysis | ♦ | ♦ | ♦ | |
| Foreign currency converter | - | ♦ | ♦ | |
| Interest income on cash balances | ♦ | ♦ | ♦ | |
| Print individual products/programs | - | ♦ | ♦ | |
| Sale of equipment | - | ♦ | ♦ | |
| Treasury stock | ♦ | ♦ | ♦ | |
| Z-score | - | ♦ | ♦ | |
| Costs of Goods Section 33 Account items | - | ♦ | ♦ | |
| Driver Calculator (our own version of a spreadsheet) | - | ♦ | ♦ | |
| Economic Value Added Calculator | - | ♦ | ♦ | |
| Enhanced 5-column report generator (on legal paper!) | - | ♦ | ♦ | |
| Goodwill Impairment (based on GAAP) | - | ♦ | ♦ | |
| Dashboard Reporting | - | ♦ | ♦ | |
| Import/input data and map to individual lines | - | ♦ | ♦ | |
| Dynamic Balance Sheet Calculations | - | ♦ | ♦ | |
| Enhanced Auditors Expectations | - | ♦ | ♦ | |
| 1-Hour Forecast | - | ♦ | ♦ | |
| Consolidate multiple entities | ♦ | ♦ | ♦ | |
| Sales & Inventory Driver Calculators | - | ♦ | ♦ | |
| Automatic multi-year forecasts using trending | ♦ | ♦ | ♦ | |
| Automatic Roll Forward – 1, 2, or 3 months | - | ♦ | ♦ | |
| Integration of actual results into forecast | - | ♦ | ♦ | |
| Automated "What if?" / sensitivity analysis | - | ♦ | ♦ | |
| Import data from any bookkeeping program | ♦ | ♦ | ♦ | |
| Key in Opening Trial Balance | ♦ | ♦ | ♦ | |
| Import a company budget | ♦ | ♦ | ♦ | |
| Profit/Non Profit toggle | - | ♦ | ♦ | |
| Minimum Cash Balance Override | ♦ | ♦ | ♦ | |
| Drill down balance sheet items | ♦ | ♦ | ♦ | |
| Enhanced importing instructions | ♦ | ♦ | ♦ | |
Full Weekly Cash Flow Forecasting Capabilities | ||||
| 1 to 13 week cash flow forecasts | - | ♦ | ♦ | |
| Unlimited number of weekly forecasts | - | ♦ | ♦ | |
| Roll forward feature | - | ♦ | ♦ | |
| Import Accounts Payable and/or Accounts Receivable listings | - | ♦ | ♦ | |
| Automatically displays credit line usage to barrowing base | - | ♦ | ♦ | |
| One click and adjust the credit line to eliminate over/under borrowing base activity | - | ♦ | ♦ | |
| Pull data from your 12 month forecast and it will automatically drill down to 13 weeks | - | ♦ | ♦ | |
| Compare actual data to forecasted data | - | ♦ | ♦ | |
| Accounts Receivable | - | ♦ | ♦ | |
| Accounts Payable | - | ♦ | ♦ | |
| Credit Line | - | ♦ | ♦ | |
| Cash Balances | - | ♦ | ♦ | |
| Displays weekly and to date info | - | ♦ | ♦ | |
| Print program’s reports to printer or text file | - | ♦ | ♦ | |
| Drill down any cash in/cash out flows information into as many elements as you wish | - | ♦ | ♦ | |
| It's easier than your most favored spreadsheet | - | ♦ | ♦ | |
| New method for handling customer deposits | - | ♦ | ♦ | |
| More comprehensive method for amortization of prepaid expenses | - | ♦ | ♦ | |
| Enhanced expenses as a percent of net income | - | ♦ | ♦ | |
| Monthly bonus calculations: change the percent each month | - | ♦ | ♦ | |
| Commissions based on collections, not sales | - | ♦ | ♦ | |
And much more! | ||||
| Check it out for yourself! | Smart Start | XT2 | XT2 Team | |