ABC Company

Executive Summary

One-page snapshot for the selected month: KPIs, cash runway, and Project/Customer highlights, plus the largest budget variances. A starting point, not a substitute for the detail tabs.

Management P&L

Budget vs. Actual vs. Forecast for all 7 reporting categories. Budget is the frozen 2026 underwriting model (never edited). Forecast is management's living, monthly-updated estimate. Actual comes from the ledger through the latest close. The Month/YTD/LTD scope toggle applies here.

Management Commentary (below the table, single-month view only): variance narrative for the selected month, drafted outside the artifact — the same chat-drafted, paste-in workflow used for other clients' reporting packages — and baked into the build via commentary.json. There's no in-app text editor by design. A Locked badge means the month is closed and the commentary is final: per policy, a locked month's commentary is only ever revised to fix a genuine drafting or tagging error made at the time, never to retroactively restate a prior closed period after a later books adjustment — that instead becomes a note in the current period's commentary about YTD impact. The panel defaults to shown when the selected month has an entry, hidden otherwise, and can be toggled either way. Not shown under YTD/LTD scope, since commentary is inherently a single-month narrative.

Account Drill-Down

Starts at the same 7 reporting categories as Management P&L (Budget/Forecast/Actual/Variance), so both tabs begin at the same level. Expanding a category drills into the real chart-of-accounts underneath it — sub-account → vendor — using actual ledger transactions only. Real CoA parent accounts (the QBO-level grouping) are intentionally not shown here: a parent can span more than one reporting category (e.g. "Professional Fees" falls under both Engineering & Design and Third Party Services & Insurance), and showing that layer made it look like inconsistent coding when it's really just how things roll up to the category structure. Every sub-account maps to exactly one category, so nothing is lost by dropping that layer. Budget and Forecast aren't tracked below the category level, so those columns show — at the sub-account/vendor rows rather than an estimated split.

Project / Customer

Income and Cost shown separately, not netted, to match QBO's own project profitability view. Actuals only — no project-level budget exists in the underwriting model.

Sponsor Addendum

The sponsor's own standard reporting format: a monthly actual/forecast view (all 19 months, one pane, no scrolling) plus the Budget-to-Actual Bridge waterfall, built to match the sponsor's own Excel model's category labels and sign conventions exactly.

Budget Detail

The frozen, original underwriting-model budget — never edited. Categories with a ▸ expand to vendor-level detail for Office & Overhead, Third Party Services & Insurance, and Engineering & Design only; Personnel and Travel & Entertainment named-employee detail lives on Workforce Planning instead.

Forecast (Live)

The living, editable forecast: actuals through the latest close, your projections from there forward. Personnel is pre-populated from the Workforce Planning roster build-up (base + bonus accrual + burden), replacing the old top-down model, but is still editable here. Categories with a ▸ expand to real account/sub-account/vendor detail seeded from a trailing-3-month actual average; editing a vendor cell recalculates its category total. Personnel and Contingency have no real vendor detail and stay directly editable at the category level. Personnel for Jul'26–Dec'26 is currently pinned to the Budget Model v4 so the Sponsor Addendum bridge ties out cleanly — also editable.

Next-Year Budget

A working draft for next year, built on real vendor detail (not the underwriting model's vendor lines). Click a category header (or use Expand All / Collapse All) to fold its sub-accounts and vendors down to just the header + total, so you can work one category at a time — the collapse state persists even as you edit other cells. Every vendor's month starts as a trailing-3-month actual average straight-lined across the year, then is independently editable per month. Personnel is fed directly from the Workforce Planning roster, not the vendor seed — edit headcount there. The Δ vs. Current-Year Budget comparison only resolves to the category level, since Budget's vendor labels don't match real vendor names; Δ vs. Current-Year Forecast resolves all the way to vendor, since Forecast shares this tab's real-vendor taxonomy. All dollar figures in the grid are in $ thousands (see the banner pinned above the month columns) — type a plain number like 220 for $220,000; an explicit k/m suffix (e.g. 500k) still works as a literal-dollar shorthand. Cells select their full contents on focus, so typing replaces the value instead of inserting into it. Owner is a fixed dropdown (a proxy for department, since QBO has no department field) — edit the list in code if the department names need to change. The header row and units banner stay pinned while you scroll.

Next-Year Budget by Vendor

A read-only view of Next-Year Budget's data, flattened to one row per vendor and sorted by total planned spend, highest to lowest — useful for a quick check on where the money is actually going without digging through categories one at a time. Personnel appears as a single line pointing to Workforce Planning, since headcount detail (and individual compensation) lives there, not in a vendor list. Contingency appears as a single formula line, since it's a percentage of expenses, not a real vendor. Revenue is excluded — this tab covers expense vendor spend only. Notes and Owner are shown for reference; edit them from the Budget tab, not here.

Workforce Planning

The single roster that is the source of truth for all Personnel figures in the report — feeds Forecast (Live)'s Personnel line for Jul'26 forward and Next-Year Budget's Personnel line for 2027. Base salary inflates 4%/yr on each 12-month anniversary; Bonus % and Burden % (payroll tax + benefits) are annual targets accrued evenly across active months; signing bonus books entirely in the hire's start month. "Benefits" combines employer payroll tax and benefits since the source model doesn't split them out. This is the only tab that shows employee names — confirm before sharing outside the firm. The Budget series never changes, here or anywhere else.

Change Log

Every edit to Forecast, Next-Year Budget, Workforce Planning, and the vendor list, logged automatically: who, when, and the old and new value. New vendor/roster rows and removals show up here too, for visibility, though those aren't revertible from this tab. Admins can revert any value change back to what it was before — doing so is itself logged, so the log always shows the complete, true history.