AI & Documents

AI-powered budgets that plan themselves

Your 2026 budget in one conversation — built from your 2025 actuals, with 3-year projections, scenario modelling, and an Excel export your board can work with.

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See it in action

Annual budget in one conversation

Mothusi AI

Build our 2026 operational budget. We're growing 30% and hiring 3 people.

Using your 2025 actuals (R840k revenue, R650k costs, 22.6% margin). Projecting 30% growth: R1.09M revenue. Adding 3 salaries at R35k avg + benefits (23%), plus equipment setup R28k. Running scenario models across conservative, base, and aggressive growth paths.

Budget modelling

Budget complete. Revenue: R1.09M. Total costs: R920k. Net profit: R168k (15.4% margin — down from 22.6% due to hires, recovers to 19.2% in year 2). All 3 scenarios modelled. Excel workbook with variance tracker and payroll tab ready to download.

Budget ready

Capabilities

Everything your CFO would build — in minutes

Mothusi builds budgets with the rigour of a financial controller and the speed of an AI — anchored to your actual performance, ready for board presentation.

Actuals-Based Baseline

Your budget starts from your real 2025 performance — not generic assumptions. Every cost line is calibrated to your actual expenditure pattern, making the plan immediately defensible.

Scenario Modelling

Conservative, base, and aggressive growth scenarios automatically modelled — and you can ask Mothusi to explore any specific scenario ("What if we lose our largest client?") conversationally.

Headcount Planning

Add or remove team members in conversation and Mothusi recalculates payroll costs, benefits, employment tax, and the profit impact — with month-by-month phasing if you're hiring in stages.

Excel & PDF Export

Full Excel workbook with monthly breakdown, variance tracker, payroll tab, and scenario comparison — plus a clean board-ready PDF summary with charts and commentary.

Who uses this

Built for the entire ecosystem

SME Owners

Finance Managers

Incubator Participants

DFI Portfolio Teams

FAQ

Common questions

Does the budget link to my actual financials?

Yes. Mothusi reads your actual revenue, cost lines, payroll, and overheads from your financial records to build the budget baseline. Your 2026 budget is anchored to your real 2025 performance, making it credible for funders and accurate for management decision-making — not a wishful estimate.

Can I model different growth scenarios?

Yes. Mothusi automatically generates three scenarios: conservative (60% of target growth), base (planned growth), and aggressive (130% of target). You can ask it to model any specific scenario conversationally — 'What if we hire 3 people in March?' or 'What if revenue drops 20% in Q1?' — and it recalculates the full model instantly.

Does it export to Excel?

Yes. Mothusi exports a full Excel workbook with a summary dashboard, monthly breakdown by cost category, payroll tab with all headcount costs, a variance tracker for month-by-month actuals tracking, and the three scenario comparison model — all pre-formatted and ready to share with your board or external accountant.