Automated where you want it.
Surgical control where you need it.

1. In Xero, do a manual journal to move the historical debt out of the active tax account and into a new "ATO Payment Arrangement" liability account.
2. In the Compass Wizard, create a Loan Schedule for that new account. Set the interest rate to 0% (or whatever the ATO is charging) and set your fixed monthly payment.
3. The Loan Engine will take over, automatically projecting those fixed cash outflows until the debt is gone, leaving your main Tax Engine free to handle your ongoing operations without confusion!

1. In the Worksheet, go to the month of the purchase and enter -50,000 in your Fixed Assets row (Asset increases).
2. In the exact same month, enter +50,000 in your New Loan liability row (Liability increases).
3. The net effect on your forecasted bank balance is exactly $0!
4. Finally, use the Wizard's Loan Engine to set up the ongoing monthly principal and interest cash repayments.

1. Month 2 (The 30-day mark): The AP engine assumes you paid the supplier and takes the cash out of the forecast. Go to a generic Liability row in your Worksheet and enter a positive amount (e.g., +10,000). This instantly puts the cash back into your forecasted bank balance.
2. Month 4 (The 90-day mark): Go to that same Liability row and enter -10,000. The cash now officially leaves your forecasted bank account at the correct 90-day mark!

Ensure your "Owner Drawings" or "Dividends Paid" Equity accounts are included in your Worksheet view. Simply type negative numbers (e.g., -5,000) into the months where you plan to pull cash out. The system knows this is an equity account and will strictly treat it as a pure cash outflow without impacting your operating profit.

1. In the Worksheet, enter -12,000 in the Prepayments row in July. (This hits your cash flow immediately for the full amount).
2. Enter +1,000 in the Prepayments row for every subsequent month. This perfectly mimics the cash leaving the bank in July, while slowly unwinding the asset as the $1,000 P&L expense occurs each month.

Yes. Unlike simple percentage-based tools, our Loan Engine relies on comprehensive actuarial logic. When setting up a loan in the Wizard, you have access to Present Value (PV), Interest Rate, Number of Periods (NPER), Payment Amount (PMT), and Future Value (FV). By entering your required balloon payment into the FV field, the engine will automatically calculate the correct split of principal and interest over the life of the loan to ensure the liability hits that exact balloon target at the end of the term.

Because this breaks normal "Days Sales Outstanding" logic, you need to bypass the automated Debtors engine for these specific funds. In the Worksheet, use a generic Liability or Clearing account to manually enter the cash injection today (+Cash). Then, enter a negative amount (-Cash) in the future month when the engine thinks the customer was going to pay you. This prevents the system from double-counting the cash injection!

Currently, no. CompassForecasting is laser-focused on providing the deepest, most surgically precise 3-way forecasting for single, complex entities. While other enterprise tools focus on 'going wide' by rolling up high-level data across dozens of subsidiaries, our architecture is dedicated to 'going deep'—giving you the manual worksheet control required to model the complex, granular scenarios (like detailed loan amortization, bespoke tax planning, and invoice factoring) that happen within a single operating business.