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Your cash budget,
against what actually happens

Save your start-of-year cash plan as a budget and compare it every month with reality, category by category. You will know how much of the plan you are meeting and where you are deviating, with time to correct.

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Comparisons
Variance typeBudget comparisonBudget2026 budget
Jun 2026
BudgetActual% achieved
Cash inflows259.730 €242.460 €93,35 %
Sales80.466 €130.969 €162,76 %
Other income95.093 €107.700 €113,26 %
Cash outflows121.913 €66.381 €54,45 %
Staff costs82.594 €36.184 €43,81 %
Debt repayment6.850 €1.850 €27,01 %
Utilities108 €1.240 €1.147,90 %
Month by month and by category · Download to ExcelVariance in outflows: Utilities
Feature

How Orama measures whether you are meeting your plan

Save your plan as a budget

When your forecast reflects the plan you want to follow, you save it as a budget with one click. Orama freezes it: even if you change your forecasts later, the original plan stays intact for comparison.

Several budgets, for example “2027 budget” and “Conservative plan”.
Every budget, category by category and month by month.
Download to Excel.
ComparisonsBudgets
2027 budget
✓2027 budgetSaved 2 Jan
Conservative planSaved 2 Jan
Half-year reviewSaved 1 Jul
A snapshot of your forecastDownload to Excel

Budget vs actual, with the % achieved

The comparison sets what was budgeted against what actually happened, using the reconciled transactions from your banks. Cash inflows and outflows, by category and line item, month by month.

Total budgeted, actual amount and percentage achieved.
Compare with your budget or your latest forecast.
Get it by email, with an Excel file attached.
Comparisons
Budget comparison
May 2026BudgetActual% achieved
Cash inflows220.749 €116.016 €52,56 %
Sales53.749 €85.119 €158,36 %
Financing80.981 €0 €0,00 %
Other income80.233 €30.897 €38,51 %
Cash outflows152.238 €64.986 €42,69 %
Staff costs82.594 €36.414 €44,09 %

Spot the variance while you can still correct it

A receipt below 100% prompts you to check for delays or non-payments; an expense above it, to see why. By reviewing the comparison every month, you correct course before your cash notices.

Straightforward reading: above or below 100% of plan.
The missed forecasts analysis tells you which collections are running late.
Create a new budget if your plan changes and compare the two versions.
Comparisons
Cash comparisonOct 25 – Oct 26
Oct 2025ForecastActual% achieved
Cash inflows61.262 €173.819 €283,73 %
Cash outflows28.915 €80.429 €278,15 %
Taxes0 €19.832 €Unforecast
Utilities150 €884 €589,07 %
Leasing1.850 €0 €0,00 %
Forecast vs actual, category by category
Guide on Orama Academy (in Spanish)How to create your budget and compare it with actuals in Orama (Presupuesto (Budget) and Reporting › Comparativa (Comparison) menus), step by step (in Spanish)
RelatedActual vs. forecastCash flow forecastScenarios and simulations

Frequently asked questions

What is a cash budget in Orama?+
A locked snapshot of your forecasts at a specific moment, for example at the start of the year. It lets you later compare what was budgeted with what actually happened.
What is the difference between a budget and a forecast?+
The forecast changes every time you update it. The budget does not: it is the plan you set, so you can measure whether you are meeting it even if your forecast has changed.
How is the percentage achieved calculated?+
By comparing what was budgeted with reconciled transactions. If you budgeted to collect €50,000 in May and collected €45,000, achievement is 90%.
Can I have several budgets?+
Yes, depending on your plan. For example, an annual budget and a conservative plan, and you choose which one to compare against.
Can I receive the comparison by email?+
Yes. You can schedule the variance comparison to be sent to your email, with an Excel file attached.

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