What Budget-SPA does

Getting started

Opens on a budget picker: blank, a worked example, or a SIE import.

The example is a café. It opens on Budget settings: Bolagsform, aktiebolag or enskild firma, is the first choice. Switch it and watch the cards change.

No account, no sign-up. Your figures stay on your machine — see Your data.

What it shows, and how you move it

Liquidity, across the whole budget period

How much cash you have, month by month, across the whole period. Runway, the cash-out date and the low–high band are read off the curve, and move when a figure does.

Sliders are the quick simulation

Drag a slider for an answer rather than a number — the curve redraws under your hand. Sliders move fast: click one, then use the arrow keys, a notch per press. Type exact figures when you have them.

Alt is the shortcut, in every view

Hold Alt and click: on a row or cell it opens the card behind it, on the surface around them it swaps view — as does a right-click.

The four views

Same budget, four levels of detail. Switch from the dropdown in the top bar.

Huvudbok

Three tabs — Huvudbok, Resultaträkning, Balansräkning — one block per BAS account, with opening and closing balances. Dagbok lists lines in date order.

A strip under the year stepper narrows to one month, or back to Hela perioden. Empty months are dimmed.

Budgetmall

Categories down the side, twelve months across. The first month fills the year; a later one changes only that month. Under the grid: the month the money runs out.

SPA

The default. Every line is a card — amount, BAS account, item count — and the chart stays pinned as you scroll.

A Gruppera switch rolls every card into Kostnader, Intäkter and Uttag.

The slider on a group card drives that group's projection line only; hand-typed items stay put.

Nano

Every line as a bubble, sized by amount. Drag, scroll to scrub a figure, group, dock. Hold Alt and the bubble under the pointer reads out its exact amount.

Cards: how a budget is built

One line of your budget. Type Kontorshyra -- 12000 into the box at the bottom of the SPA view; the app picks the BAS account, the moms rate and the category.

What each card holds

• Amount, with a low–expected–high band
• BAS account, guessed from the name, editable
• Moms — 25, 12, 6 and 0 %
• Recurrence — monthly or one-time
• Start and end dates, to the day
• Paid from — bank, cash box or credit card
• Growth, for a line that climbs

Groups

A card can hold several items — rent, electricity and cleaning inside Lokalkostnader. The group shows the total.

Kontering

Every line can show the verifikat it would produce — debit, credit, moms. Open a card, press Kontering. Derived, editable, and it flags what does not balance.

The chart

The cash curve across the plan, with its low–high band. It redraws as you type:

• Opening and end-of-plan balance
• A cash-out marker on the month the money runs out
• Momstopp ticks where a VAT settlement falls due
• Optional arbetsgivaravgift and skatt på resultat ticks
• Your real cash line from an imported SIE file
• A draggable Idag marker

Scroll to zoom, drag to pan; switch to pie, bar, table or monthly breakdown.

Overlays

An overlay is a full copy of a budget, drawn on the same chart beside the one it came from. Where a scenario answers what if this one number moved, an overlay answers which of these plans do I want — two premises side by side, each with its own cards, its own costs and its own curve.

Make one from the plan you are looking at: alt-click or right-click its own row in the legend under the chart, and name it. The copy is taken there and then and is edited independently afterwards — changing one never touches the other.

• The budget line is green, always. Colour names the plan the overlays were forked from, not the one you happen to have open, so the original never repaints under you.
• The checkbox hides a line without deleting it. Four comparisons on one chart is a mess; keeping three of them switched off is not.
• Right-click any other row to rename it, give it a colour, open it for editing, or delete it.
• The open plan is bold and carries the band. Every figure elsewhere in the app — the cards, Huvudbok, the reports — is that plan's, not the family's.

An overlay starts life sitting exactly on top of the budget line, because it is identical until you change something. That is the honest picture of a fork that has not diverged yet.

Scenarios

Type a what-if — Nyanställd -- -45000 R recurring, Bidrag -- 200000 one-off. It becomes a pill you switch on and off; the budget underneath is untouched.

The question the app exists for: if I hire in March, when do I run out?

Swedish accounting, built in

The rules are in the engine, not a Swedish skin on a general tool.

• BAS accounts throughout, guessed for every line
• Moms per line, settled on your reporting period and drawn as a cliff on the curve
• Arbetsgivaravgifter and semesterlöneskuld on salaries, at the right rates and times
• Bolagsskatt for aktiebolag, egenavgifter and kommunalskatt for enskild firma
• Kontantmetod or fakturametod
• Fiscal years off the calendar, a first year up to eighteen months
• Ej avdragsgilla kostnader added back before tax
• Utdelning with a check against free equity

Reports

The Huvudbok view carries three reports:

• Huvudbok — every line per account, with opening and closing balances
• Resultaträkning — revenue and costs by account, accrual basis
• Balansräkning — assets, liabilities and equity at a chosen month end

Scope any of them to a month or the whole period. Tax needs a whole fiscal year — a one-month Resultaträkning stops at Rörelseresultat.

Skriv ut, in the Huvudbok header, prints the reports and the liquidity curve or saves them as a PDF — pick the period and what to include. It comes with the licence; without one the button carries a padlock and says why.

SIE import & export

Importing your real figures

Every Swedish accounting program exports SIE. Drop one in: Budget-SPA reads your closing balances and draws your actual cash curve beside the forecast.

It can build a whole budget from an import: accounts become cards, and the forecast starts where your bookkeeping stops.

Which programs export SIE? See the list of Swedish accounting programs with SIE export — Fortnox, Spiris, Bokio, Björn Lundén and some forty more.

Exporting to your accountant

Export as SIE type 2 for your byrå: the layer you have open, one fiscal year, forecast per account per month with the sliders as they stand — plus the plan's opening cash, its balance-sheet movements, and the booked balances of the ledger it was built on — whether the budget is for the year after the books or for the rest of the same year, in which case the file says through which month they run.

A line with no BAS account is left out, not filed under a made-up one; the export says how much.

Your data

Everything stays on your machine. The database is a folder you can copy.

• Spara budget (.json) — the whole budget in one file: every overlay, the sliders on each, and the imports. It opens again exactly as it was, and it is how you hand a budget on
• Öppna sparad budget (.json) — that file, back as it was. Another company's becomes a new budget; your own restores the one you have open
• Till bokföring (.se) — the SIE export above, for your accountant. It reads back too, but as numbers only: one year, no scenarios, no overlays
• Several budgets side by side, switched from the top bar
• Lokal lagring → Återställ opens a storage view listing every budget and import, so you can delete what you do not want

Working together, live

With a licence on each machine, two or more people can be in the same budget at the same time. Edits show on everyone's screen as they are made — cards, overlays and the imported ledger alike.

To invite: open Samarbeta in the top bar and start sharing. You get a sharing code — sixteen characters, new for every session. Read it out. To join: open Samarbeta, type the code, and confirm the budget you are about to enter. Lower case, spaces for the dashes, O for 0 — all fine.

What is sent is encrypted with a key made from that code. The relay that carries it sees a room number and ciphertext; it cannot read your budget, your company's name or its organisation number. Whoever you give the code to can — so read it to the people you mean and nobody else. It stops working when you end the session.

Who holds the original

• The one who starts sharing holds the original. Decide who that is before you share: the one whose version is the right one.
• What you change while not connected is yours. When you join again it is kept as an overlay — “Gästversion”, with the date — beside the shared budget, on both charts. It is never merged in; take what you want from it, or delete it.
• When the host ends the session, everyone keeps a copy of the budget as it stood.

Undo covers only your own edits. Two people in the same card at the same moment: the last one to type wins, and the panel shows who is editing what so you can stay out of each other's way.

Editions

The app is free, no timer. It saves locally with a licence — nothing is lost when you close a licensed app. The licence, 599 kr incl. VAT, saves it in your own local database. The version you buy is yours forever: fixes within it are free, and a new major version — 0.2 to 0.3 — is 99 kr. The one you already have keeps working.