Model Business

Silent Services Pty Ltd

About this app

Model Business turns a blank page into a five-year financial plan in minutes — whether you're pressure-testing a business idea or getting a household budget under control. Start from a ready-made template, tap in your numbers, and watch profit, cash and return update as you type. Everything stays encrypted on your device.

PLAN ANY BUSINESS
• Start from a Product, Service or Franchise template with categories and fixed/variable costs already laid out
• Build a full profit & loss: revenue, cost of sales, gross profit and expenses
• See net profit, margin and return on investment five years out
• Apply CPI to grow costs year on year and test a "what if" instantly

BUDGET ANY HOME
• The Home budget template lays out 20+ household categories, ready to fill in
• Track income against expenses and watch your net surplus — or shortfall — take shape
• Plain-English wording tuned for personal finances, no business jargon

SPEND ANALYSIS — SEE WHERE THE MONEY GOES
• Import a month of transactions from a bank CSV, or tap them in
• Merchants are sorted into categories automatically — and it learns your choices
• See a clear category breakdown for the month
• Turn a month's spending into a ready-made budget in one tap

TOOLS
• Loan & finance repayment calculator
• Wages calculator with superannuation and on-costs
• Return on investment and breakeven

REPORTS & SHARING
• Export a clean, branded PDF — key figures, full P&L, a five-year chart and a line-by-line breakdown
• Email a whole model to a partner or accountant; they open it straight in the app

PRIVATE BY DESIGN
• Every model is a single encrypted file on your device (SQLCipher)
• No account, no sign-up, nothing tracked
• Works fully offline

ONE SIMPLE PRICE
Buy Model Business once — every feature unlocked. No subscription, no in-app upsells.

Model Business is a planning and budgeting tool. It does not provide financial, investment, tax or legal advice.

What’s new

• Named income scenarios with side-by-side comparison.
• "Money I'm owed" — track amounts lent and repayments.
• Region settings: currency, tax naming and financial-year start month.
• In-app Help throughout.
• Bank import now handles Debit/Credit columns and bracketed negatives.
• Faster, more reliable data entry and saving.
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