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Cash flow · H1 2027
Forecast cash flow for the next 6 months: $180K in the bank, and each month $95K in receipts, $80K in payroll, and $21K for rent and utilities. Alert me if we drop below $50K.
Your cash balance stays above $50K all six months. Try lowering cash receipts to see when the alert kicks in.
Assumptions
Opening cash$180,000
Cash receipts / mo$95,000
Payroll / mo$80,000
Rent and utilities / mo$21,000
Alert threshold$50,000
Cash balance
Month-end
January$174,000
February$168,000
March$162,000
April$156,000
May$150,000
June$144,000

You know what you want.
Your spreadsheet just doesn’t get you.

vlookup two criteria excel not working
About 2,140,000 results

Twenty minutes on Google
hunting for the right formula.

XLSbudget_v7_FINAL_do_not_touch.xlsx
12,4008,950#REF!3,2009,870#N/A#REF!1,150#DIV/0!4,300#N/A#REF!7,610#VALUE!2,080#REF!

A file nobody dares to touch
for fear of breaking it.

Hey Tyler, got a sec? My spreadsheet is showing #N/A everywhere again…
TMUh… again?
Read 5:42 PM

Bugging the “Excel guy”
one more time.

With Summia, you talk and it builds.
And you understand everything it did.

As simple as
a conversation

Add year-end bonuses
Should the bonuses be a fixed amount
or a percentage of salary?
Fixed amount% of salary
Added: 8% of annual salary, paid in December.
=SUMIFS($D$2:$D$48,$B$2:$B$48,"Sales")/COUNTIFS($B$2:$B$48,"Sales") #DIV/0!
Average bonus = the sum of Bonus ÷ the number of employees, both only where Department is “Sales” Division by 0: the Sales department has no employees
Across-the-board raise3.0%
2027 total cost
$2,196,798
Variance to budget
−$3,202
Mission budget
Logistics$42,000
Lodging$26,300
Transportation$18,500
Communications$9,800
Total$96,600
XLS budget_2027.xlsx CSV bank_statement_oct.csv
October expenses
Suppliers$18,420
Rent$4,200
Subscriptions$1,135

Simple at first glance,
powerful when you need it

Customers
  • Customer
  • Region
Sales
  • Customer
  • Product
  • Amount
  • Cost
Products
  • Product
  • Line
Margin by region and product line
Revenueƒ Margin %
West $101,100 31.3%
Premium $62,400 34.5%
Essentials $38,700 26.1%
South $78,050 28.9%
Premium $45,100 33.0%
Essentials $32,950 23.2%
Grand total $179,150 30.2%
High-powered data analysis Linked tables, pivot tables, custom metrics, medians, and running totals: what used to take a data expert, you now get just by asking.
States
PopulationMedian household income
Ohio 11,799,448census.gov $72,212census.gov
Indiana 6,785,528census.gov $71,959census.gov
Michigan 10,077,331census.gov $72,389census.gov
Add public data to your tables Populations, rates, indexes, market prices: Summia looks up the public data your analysis is missing, checks each number on the page it came from, and cites every source.
Charts without limits Column, line, pie, waterfall, scatter, and many more: pick the chart that tells your numbers’ story best, then fine-tune every last detail.
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Finance12-month cash flow forecast DataSales analysis HR2027 payroll costs FinanceMortgage simulator OperationsInventory and reordering DataCustomer satisfaction survey HRSummer time-off schedule Small business3-year financial projections DataHousing prices SalesSales pipeline Small businessBreak-even point EventsCompany offsite budget

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Summia was built from its very first line of code around security best practices.
Your budgets, salaries, and forecasts are in good hands.

HostingIn France
Certified hostISO 27001
Personal dataGDPR
No AI trainingYour data is never used to train an AI. Not ours, and not our providers’.
AI sees the bare minimumIt sees the structure of your tables and a few sample values, never your full data.
Complete isolationEach account is isolated at the very core of the database. No account can ever access another’s data.
Audited securityAuthentication, access, isolation: every component has been checked against the most demanding standards.
How we approach security →

Accurate numbers,
every time

Summia’s AI never does the math itself: it writes the formula, and the spreadsheet does the math.
No made-up numbers, and you can check every result with one click.

You“Add employer taxes and benefits at 25%”
The AI writes the formula Taxes and benefits = Gross payroll × Taxes and benefits rate
The spreadsheet calculates $439,360✓ Check it in one click

For everything that counts

Finance
  • Cash flow forecast
  • Annual budget
  • Expense tracking
 Human resources
  • Payroll costs
  • Hiring plan
  • Schedules and time off
 Sales
  • Quota tracking
  • Commissions
  • Quotes and price lists
 Operations
  • Inventory and reordering
  • Production schedules
  • Supplier tracking
 Freelancers and small businesses
  • Financial projections
  • Invoice tracking
  • Profitability
 Nonprofits and local government
  • Budget and grants
  • Membership dues
  • Event planning

Work together, no attachments

Send a link.
Your coworkers can view, fill in their part, or build it with you, without creating an account. No more budget_v3_final_REALLY_final.xlsx.

2027 budget by department
Marketing CD $240,000
Sales TM $410,000
Product JL in progress
Total$650,000
Draft the proposal for Barrett Inc.
Pricing · Barrett Inc.
Seats 25
Term 12 months
Discount 10%
Price per seat per month$39
Price$10,530
Proposal Barrett Inc. Price$10,530

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Put your numbers to work wherever you work.
From Claude, ChatGPT, Le Chat, or Gemini, your AI builds and updates your Summia tables, then uses them elsewhere: a priced proposal for each client, the Monday update, a reply to an email.

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Common questions

Do I need to know how to use Excel?

No, that’s the whole point. If you can explain what you want, you can use Summia.

What if I’m already pretty good with it?

You’ll go faster. Import your files, keep your formulas, and let Summia handle the repetitive work.

Can I trust the calculations?

Yes. The AI writes the formulas, and the spreadsheet does the math. You can check every number with one click.

Do my coworkers need to create an account?

No, not to view or fill in a table you share with them.

How much does it cost?

You can start for free, without even creating an account.

So, where do we start?