Your numbers are computed.
Only the words are written.
Most plan builders let an AI write the financials. That is why lenders have stopped believing them. Here a deterministic engine computes every figure — profit and loss, cash flow, balance sheet, 60 months of it — and the writing assistant is never allowed near a number.
No account needed to start. Nothing leaves your browser until you make one.
A plan is not a document. It is an argument with arithmetic in it.
The reason plans get turned down is rarely the writing. It is a cash flow that does not survive a 90-day payment term, a balance sheet that does not balance, or a forecast nobody can explain the working for. Those are arithmetic failures, and no amount of good prose hides them from somebody whose job is to look.
Four decisions that are not up for negotiation
The AI never produces a number
It is handed a fact sheet of figures the engine has already computed and already formatted, plus an explicit list of what is still missing, and told to copy them exactly and calculate nothing. It writes around a gap rather than filling it with something plausible.
The balance sheet balances. Every month.
All 60 of them, across six business types and 14 currencies, checked by tests on every change. Working capital uses a real payment lag, so 30-day terms and 120-day terms produce genuinely different cash — which is the difference that kills businesses.
No blank boxes
Forty-three sections come as four to nine plain questions instead of an empty page and a heading like "Competitive Positioning". Answer them in your own words and the section composes itself — with or without AI.
It keeps working after the plan is written
Enter what actually happened each month and see variance against the plan, a Year-1 re-forecast at your real run rate, and your cash plan against your bank. A plan that is never revisited was a document, not a plan.
Text first. Money last. Nothing asked for twice.
Set it up
Six business types, your currency, your industry from the official code lists. Five questions, and the assumptions are preloaded so nothing starts empty.
Answer the interview
Ten questions about what you sell, to whom, and why you. The answers carry into every section and every draft, so you never explain your business twice.
Build the forecast
Prices, volumes, seasonality, staff, costs. The statements and ten charts recompute on every keystroke, and an auditor tells you what a lender will ask.
Take it out
A print-ready PDF with charts as vector, the financials as CSV, the whole plan as JSON. It is your document; you can leave with it.
Anywhere there is somebody who will check the numbers
Owners raising money
A bank, an investor, a grant body or a competition. The document leads on what that particular reader cares about, because you say at the start who will read it.
Regulated applications
A separate document type with ten governance sections — supervision, complaints, risk, record-keeping — ordered the way a regulator reads them: compliance before money.
Advisers and accountants
Workspaces, so a client's plan belongs to the client and you are a member of it. Nobody has to email a spreadsheet with a household budget in it.
One proven structure, your currency
The structure is the US/Berry outline that lenders and investors everywhere already recognise — not a national template. Choosing your currency sets the formatting and the starting assumptions, and that is the whole of the localisation. Nothing is gated by country.
Industries come from the official lists — UK SIC 2007 and 2026, NACE Rev. 2.1 and NAICS — searchable together, because an owner does not know which system their reader wants.
Currencies
USD, GBP, EUR, CAD, AUD, INR, BDT, AED, NGN, ZAR, SGD, PKR, JPY, KES.
Documents
Simple, Standard, Detailed, Comprehensive and Regulated — the same engine underneath, a different depth and order on top.
Start with the first five questions
It runs in your browser with no account and nothing sent anywhere. Make an account when you want the plan kept somewhere other than this computer.
LiveBizPlan produces a planning document. It is not financial, investment, legal or tax advice.