The Banana Accounting Plus Cash Manager is a completely free application. It only takes a few simple steps to create your file.

Create your file

• Open the template with Banana Accounting Plus WebApp.
• Using the command File > File Properties, set the period, the name of your office, and the base currency (you can create the budget and accounting in any currency).
• With the command File > Save As, save the file. It's useful to include the name of your office and the year in the file name. For example, "Rossi-20xx.ac2."

ATTENTION: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

You can then consult all the information in our Documentation, particularly on the following web pages:

• Getting Started with the Cash Manager
• Create a Budget
• Other Accounting Applications
• Banana Accounting Plus Features

The Banana Accounting Plus Cash Manager is a completely free application.

It is designed to manage the cash inflows and outflows of a small business. The file can also complement the main accounting file:

• Record all cash transactions in the file.
• At the end of each quarter (or a period of your choice), import the totals of categories and accounts into the main accounting file.

You will have the advantage of keeping all the details of cash transactions in a single file, while the main accounting file will only display the grouped totals by quarter or chosen period, streamlining the main accounting process.

Create your file

• Open the template with the Banana Accounting Plus WebApp.
• Using the command File > File Properties, set the period, the name of your business, and the base currency (you can create the budget and accounting in any currency).
• With the command File > Save As, save the file. It’s helpful to include the business name and the year in the file name. For example, "Cassa-Rossi-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

More information is available on the following pages:

• Cash Manager
• Transactions
• Budget
• Reports
• Data Import

The model, while having a simple and essential setup, still allows you to manage accounting professionally.

• You can customize the accounts and categories at any time, adapting it to your specific needs.
• The Accounts and Categories tables provide an immediate overview of the balances for each account and category, allowing you to maintain full control over your financial situation.
• By setting up the customer ledger, you can issue invoices to your clients with the added benefit of having them automatically recorded in your accounting.
• You can speed up the entry of transactions by importing bank data and using Rules: for each imported transaction, you enter a keyword (Rule) that completes all other elements of the transaction (counterparty, cost center...). On subsequent imports, whenever the program finds the keyword in the imported transaction, it completes it automatically, significantly reducing work time and minimizing the risk of errors.

Some features require a subscription to the Advanced plan of Banana Accounting Plus, such as using the new features of Rules, Filter, and Temporary Row Sorting. See all the features of the Advanced plan.

Create your file

• Open the template with the Banana Accounting Plus WebApp.
• Using the command File > File Properties, set the period, your company's name, and the base currency.
• Using the command File > Save As, save the file. It’s helpful to include your company's name and the year in the file name. For example, "Rossi-SA-20xx.ac2".

ATTENTION: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

In our documentation, you’ll find all the explanations on various topics to help you manage your accounting efficiently:

• Income/Expenses
• Accounts
• Categories
• Transactions
• New Year
• Budget Transactions
• Reports

The Income and Expense Accounting module of Banana Accounting Plus allows you to manage your income and expenses across multiple accounts in a simple, fast, and professional way. While intuitive to use, it delivers professional-level results, as it is based on the same calculation engine as double-entry bookkeeping. This means you can easily generate balance sheets, income and expense reports, and manage cost and profit centers, segments, financial forecasts, and much more.

In the Accounts table, you will find the accounts to manage your resources (cash, equipment, clients, etc.), while in the Categories table, all income and expenses are categorized by item.

Certain functions require a subscription to the Advanced Plan of Banana Accounting Plus, such as the use of new features like Rules, Filter, and Temporary Row Sorting. Discover all the features included in the Advanced Plan.

Create your file

• Open the template using the WebApp of Banana Accounting.
• Use the File > File Properties command to set the period, the name of your professional practice, and the base currency (you can create budgets and accounting in any currency).
• Use the File > Save As command to save your file. It’s a good idea to include your practice’s name and the year in the file name. For example: Studio Rossi-SA-20xx.ac2.

WARNING: If you close your browser without saving, the data you entered will be lost. Always save the file on your computer.

Quickly Enter Transactions

• Import transactions from your bank, postal, or credit card statements.
• Reminders: Send reminders for overdue payments.
• Reports: Track due dates and payment statuses.

Create Invoices and Track Deadlines

• Invoices
• Reminders
• Reports: Track due dates and payment statuses.

In our Documentation, you’ll find detailed explanations on various topics to help you optimize your accounting:

• Income/Expenses
• Accounts
• Categories
• Transactions
• New year
• Budget Transactions
• Printouts

Template with SME Chart of Accounts, compliant with the rules established in the Swiss Code of Obligations (Art. 957 and following). Ideal for managing the accounting of a business with an annual turnover of at least CHF 500,000.

• You can customize the accounts to suit your specific needs.
• To streamline data entry, you can use bank data import with the Rules feature: for each imported transaction, you assign a keyword (Rule) and complete all other fields of the record (e.g., counterpart, cost center). For subsequent imports, the program automatically completes the record whenever it detects the keyword in the imported data, significantly reducing work time and minimizing errors.

Many automation features, such as bank data import with Rules, filtering, and other advanced functions, are available exclusively in the Advanced plan of Banana Accounting Plus.

Create Your File

• Open the template using the Banana Accounting Plus WebApp.
• Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
• Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".

IMPORTANT: If you close your browser without saving, any entered data will be lost. Always save the file to your computer.

In our Documentation, you’ll find all the details and guidance needed to manage your accounting effectively:

• Double-Entry Accounting
• Getting Started
• Characteristics
• Chart of Accounts
• Opening Balances
• Transactions
• Budget
• Invoicing
• Printouts
• Year-End Closing and New Year

The program includes numerous features to work efficiently and achieve professional results:

• Import bank statement data for quick and accurate transaction entry.
• Create and print invoices with the Swiss QR code by simply setting up the customer subledger with cost center CC3.
• Set up Rules to save and automate the completion of imported transactions from bank statements.
• Manage cost centers, customizable to your needs, for detailed insights into specific accounts.
• Create budgets and financial forecasts to anticipate cash flow evolution, plan for investments, and simulate profitability.
• Print all the reports you need: Balance sheets, journals, account ledgers, VAT reports, open invoices, and much more.

Many automation features, such as bank data import with Rules, filtering, and other advanced functions, are available exclusively in the Advanced plan of Banana Accounting Plus.

Create Your File

• Open the template using the Banana Accounting Plus WebApp.
• Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
• Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".

IMPORTANT: If you close your browser without saving, any entered data will be lost. Always save the file to your computer.

In our Documentation, you’ll find all the details and guidance needed to manage your accounting effectively:

• Double-Entry Accounting
• Getting Started
• Characteristics
• Chart of Accounts
• Opening Balances
• Transactions
• Budget
• Invoicing
• Printouts
• Year end closure
• Create New Year

A simple and brief chart of accounts tutorial, in which we provide examples of transactions to create invoices without VAT. The file also includes the Items table, where you can enter data for the items or services to be invoiced. The data entered in the Items table is automatically retrieved in the Transactions table.

If you want to test the invoice printing functions with QR code, you can start with this template.

Create the file and test the Invoice features.

• Open the tutorial with the Banana Accounting WebApp.
• Use the command File > File Properties to set the period, your company's name, and the base currency.
• With the command File > Save As, save the file, for example, as "Rossi-SA-20xx.ac2".
• In the Accounts table, enter the details of one of your clients. In the Addresses view, you can complete the information with the full address, country code, and the client's language.
• In the Items table, input the data for your products or services to be invoiced.
• In the Transactions table, you'll find examples of transactions covering various invoicing scenarios. You can delete the rows and enter the details of your invoice. By entering the Debit and Credit accounts, the invoice is simultaneously recorded in the accounting system.
• Select the menu Reports > Customers > Print Invoices, and click OK to preview the documents.
• To explore the different available print templates, consult the Invoice Layouts pages.
• For customizing invoices, refer to the page Advanced Entry - Type Column.

You can find all the information on creating and printing invoices with a QR code on the page Create and Print Invoices with Swiss QR Code.

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

To reopen the saved file, click on File > Open

Additional Resources

• Import data from bank statements
• Set up Rules to store and automate the completion of entries imported from bank statements
• Manage cost centers, customisable to suit your needs for detailed insights into specific accounts
• Create budgets and financial forecasts
• Print all the reports you need: Balance Sheets, Journal, Account Ledgers, VAT Statements, Open Invoices, and much more

For some features, a subscription to the Advanced plan of Banana Accounting Plus is required. For example, this includes using the new features like Rules, Temporary Row Filter, and Sort.  Check out all the features available in the Advanced plan.

Ideal model for managing the accounting of an SA or Sagl without VAT obligation and with an annual turnover equal to or exceeding CHF 500,000. The chart of accounts is structured according to the SME framework and includes the customer/supplier ledger, suitable for those managing accounting based on turnover.

• In the Accounts table, at the end of the chart of accounts, you will find the customer and supplier ledger set up with accounts linked to assets and liabilities, respectively; therefore, the balances will appear in the Balance Sheet.
• All customer and supplier invoices are recorded at the time of issuance and receipt.

In our Documentation, you will find many insights to help you manage accounting like a professional:

• Characteristics
• Getting Started
• Automated Transaction Import
• Integrated Invoicing with Swiss QR Code
• Managing Estimates and Invoices
• Financial Forecasting
• Printouts
• Year-End Closing and New Year Setup
• External Reporting

Ideal model for managing cash-based accounting for a SA or Sagl, without VAT liability and with an annual turnover equal to or exceeding CHF 500,000. The chart of accounts is structured according to the SME schema and includes the customer/supplier ledger, suitable for those who use cash-based accounting.

• In the Accounts table, at the end of the chart of accounts, you will find the customer and supplier ledger set up with the cost and profit center CC3. There is no connection with assets and liabilities.
• All invoices from customers and suppliers are recorded in the CC3 cost and profit center accounts.

Create your File

• Open the template using the Banana Accounting Plus WebApp.
• Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
• Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".

IMPORTANT: If you close your browser without saving, any entered data will be lost. Always save the file to your computer.

To reopen the saved file, click on File > Open.

With this model, you can:

• Create invoices to send to customers by using the CC3 column in the Transactions table (cost centers view).
• Create Payment Orders (pain.001).The pain.001 files are XML messages that contain the details for making payments and can be sent to financial institutions that recognize this format. For more information, see Payment Orders pain.001 (available only with the Advanced plan).
• Import all transactions from bank, postal, or credit card statements using Rules for fully automated recordings (available only with the Advanced plan).
• Manage cost centers to obtain detailed insights into specific accounts.
• Create budgets and financial forecasts to monitor cash flow, ensure you can meet future obligations, predict revenues and expenses, and evaluate different scenarios to assess your company’s profitability.
• Print all the reports you need: Balance Sheets, Journal, Account Cards, Open Invoices, and much more.

Some features require a subscription to the Advanced plan of Banana Accounting Plus, such as using the new features Rules, Filter, and Temporary Row Sorting. For more details, check out all the features of the Advanced plan.

The program includes many features that help you work efficiently and achieve professional results:

• Create and print invoices with the Swiss QR code
• Import data from bank statements
• Set up Rules to memorise and automate the completion of transactions imported from bank statements
• Manage VAT according to the new VAT rates
• Manage cost centers, customisable according to your needs, to get detailed information on specific accounts
• Create budgets and financial forecasts
• Print all the reports you need: Balance Sheets, Journal, Account Cards, VAT Returns, Open Invoices, and much more.

For VAT management with the new rates, you can find detailed information in the VAT Management pages on our website.

Some features require a subscription to the Advanced plan of Banana Accounting Plus, such as using the new features Rules, Filter, and Temporary Row Sorting. For more details, check out all the features of the Advanced plan.

In the equity section of the liabilities, you will find the accounts for managing each partner’s capital, contributions, private portion, and profits.

Create your File

• Open the template using the Banana Accounting Plus WebApp.
  Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
  Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".

IMPORTANT: If you close your browser without saving, any entered data will be lost. Always save the file to your computer.

In our Documentation, you'll find a wealth of information to help you manage your accounting like a professional and discover the full potential of the program:

• Characteristics
• Getting Started
• Automated Transaction Import
• Integrated Invoicing with Swiss QR Code
• Managing Estimates and Invoices
• Financial forecast
• Printouts
• Year-end closing and new year
• External report

• Model for managing the accounting of an SA or Sagl with VAT and an annual turnover equal to or exceeding CHF 500,000. The chart of accounts is structured according to the SME scheme and includes customer/supplier ledgers, ideal for companies that manage accounting based on turnover.
• In the Accounts Table, at the end of the chart of accounts, you will find the customer and supplier ledgers set up with accounts linked to assets and liabilities, respectively; thus, the balances will appear in the Balance Sheet.
• All customer and supplier invoices are recorded at the time of issuance and receipt.

Create your File

• Open the template using the Banana Accounting Plus WebApp.
  Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
  Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".

IMPORTANT: If you close your browser without saving, any entered data will be lost. Always save the file to your computer.

• In the Exchange Rates table, set foreign currencies always in reference to the base currency and their exchange rates. Opening rates are set only the first time you use Banana Accounting. At the transition to the new year, these rates will be automatically carried over based on the closing rates entered as of 31.12.
• In the Chart of Accounts, set up your accounts in foreign currencies and the account for recording exchange rate differences.
• In the File Properties (Basic Data), under the Foreign Currency section, indicate the accounts for exchange rate differences and, if necessary, set up a second currency for your accounting.
• In the Exchange Rates table, set the rates for foreign currencies.

You are ready to register!

You can register all possible cases of foreign currency transactions, including transfers and operations that do not involve the base currency.

In our Documentation, you will find detailed explanations and topics on multi-currency accounting, particularly:

• Multi-currency
• Getting Started

The multicurrency model, based on double-entry accounting, allows you to manage accounts in other currencies in addition to the base currency.

Create your file

• Open the template with the Banana Accounting WebApp
• From the menu File > File properties, set the period, your company name and the base currency in any currency you want.
• From the menu File > Save as, save the file. It is useful to include the company name and year in the file name. For example: "Rossi-SA-20xx.ac2".
• In the Exchange rates table, set the foreign currencies always in reference to the base currency and exchange rates. Opening rates are set only the first time you use Banana Accounting. At the beginning of the new year, they will be automatically carried over based on the closing rates entered on 31.12.

WARNING: if you close the browser without saving, you will lose the entered data. Always save the file to your computer.

To reopen the saved file, click on File > Open.

In our Documentation you will find all the insights and topics for multicurrency accounting, including:

• Getting started video
• Multicurrency
• Getting started
• Theory
• Features
• Chart of accounts
• Exchange rates table
• Transactions
• Account card
• Budget
• Enhanced balance sheet with groups

The multi-currency model based on double-entry accounting, this model allows you to manage accounts in foreign currencies as well as the base currency.

Create your File

• Open the template using the Banana Accounting Plus WebApp.
  Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
  Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".
• In the Exchange Rates Table, set the foreign currencies always in reference to the base currency and their exchange rates. Opening exchange rates are only set the first time you use Banana Accounting. When transitioning to a new year, these rates will be automatically carried over based on the closing rates entered as of 31.12.

ATTENTION: If you close the browser without saving, the data you entered will be lost. Always save the file on your computer.

To reopen the saved file, click File > Open.

In our Documentation, you will find detailed explanations and topics related to multi-currency accounting, including:

• Multi-Currency
• Getting Started
• Theory
• Features
• Chart of Accounts
• Exchange Rates Table
• Transactions
• Account Card
• Budget
• Enhanced Balance Sheet with Groups
• Changing the Base Currency

Ideal model for partnership accounting.  It includes all the settings and functions needed to:

• Create and print invoices with the Swiss QR code.
• Import data from bank statements.
• Set up Rules to store and automate the completion of transactions imported from bank statements.
• Manage cost centers, customizable according to your needs to track specific details of certain accounts.
• Create budgets and financial forecasts.
• Print all the reports you need: Balance Sheets, Journal, Account Ledgers, VAT Reports, Open Invoices, and much more.

Some functions require a subscription to the Advanced plan of Banana Accounting Plus, such as using the new Rules, Temporary Filter, and Sort Rows features.

Check out all the Advanced plan features.

Create your File

• Open the template using the Banana Accounting Plus WebApp.
  Use the command File > File Properties to set the period, your company name, and the base currency (you can manage your budget and accounting in any currency).
  Use the command File > Save As to save the file. It's helpful to include the company name and year in the file name, e.g., "Rossi-SA-20xx.ac2".
• In the Exchange Rates Table, set the foreign currencies always in reference to the base currency and their exchange rates. Opening exchange rates are only set the first time you use Banana Accounting. When transitioning to a new year, these rates will be automatically carried over based on the closing rates entered as of 31.12.

ATTENTION: If you close the browser without saving, the data you entered will be lost. Always save the file on your computer.

To reopen the saved file, click File > Open.

In our Documentation, you will find detailed explanations and topics related to multi-currency accounting, including:

• Multi-Currency
• Getting Started
• Characteristics
• Properties
• Chart of Accounts
• Opening Balances
• Transactions
• Import and auto-completion
• Totals Table
• Budget
• Integrated invoicing
• Printouts
• Year end closing
• New Year
• External report

The precision financial planning is a method to build the company’s financial future with the same rigor as real accounting. 

In Banana Accounting, forecasting is not separate, but integrated into the same accounting file. 

In this tutorial, you will see how to create a complete forecast by entering future transactions and automatically obtaining forecast balance sheet, profit and loss statement, and cash flow. You can also simulate different scenarios.

Introduction video

To see the system in action, watch our video below:

• ▶ Double-entry Accounting and Budget Video

Who this tutorial is for

This tutorial is designed for:

• Accounting experts
• Fiduciary companies
• Consultants and accountants

The goal is to show you how to quickly create a complete financial plan in the same accounting file, including:

• Forecast profit and loss statement
• Forecast balance sheet
  • Cash flow evolution
• Comparison between budget and actual results.

You can prepare the financial plan both for your company and for your clients, offering added value to your consulting services that goes beyond accounting management.
 

Planning structure

With Banana Accounting, you do not need to create anything new. This means you work with:

• the same chart of accounts
• the same Debit/Credit logic
• the same analysis tools

To enter budget transactions, use:

• the Budget table where you enter the transactions you expect during the year:
  • enter the transaction only once
  • define the frequency 
  • you can determine that a transaction appears within a period defined by a start and end date. 

Chart of Accounts

The accounts you use are those already available in the chart of accounts. In the Accounts table, you can display the Budget column to always have forecast balances available:

• menu Data > Columns setup > enable Budget column

Assets and Liabilities (Balance Sheet)

• Costs and Revenue (Profit and Loss Statement)

For a more detailed forecast, if not already present, we recommend setting up and using:

• Cost/Profit Centers
• Segments

Budget Table 

The Budget table is the core of the forecasting system, where you enter the transactions you expect during the year or within a defined period.

For each future event, enter the data in the following columns:

• Start date: the date when the transaction begins 
• End date: the last date by which the transaction ends (a date one or more years later can also be specified).
  If the transaction will always repeat every year, you do not need to enter any date.
• Repeat: repetition frequency (day, month, quarter, half-year, year)
• Description: description of the transaction
• Debit / Credit account: accounts available and taken from the chart of accounts
• Amount: transaction amount 

If needed, you can also enter VAT code, segments, or cost centers.

Based on the entered transactions, the program automatically creates all reports, with the same speed and options available in the Enhanced Balance sheet with groups, and reports the balances in the Accounts column, in the Budget view.

Complete forecast reports and comparison with actual data

Forecast reports do not only provide aggregated yearly projections. You can also analyze the data by specific periods: if a cost or revenue occurs only during certain months, the system represents it exactly in the correct periods.

For example: if a cost occurs only in June, July, and August, in the Budget table, by defining the accrual dates, the amount will be assigned exactly to the specific period in the forecast report, without any distribution across other months.

To obtain the forecast balance sheet and profit and loss statement:

• From the menu Reports > Enhanced Balance sheet with groups > in the section Chart of Accounts > Columns, enable Budget

In the Enhanced Balance sheet with groups, if you display the actual, budget, and Budget difference columns, you immediately get an overall view:

Balance Sheet with actual balances, budget balances, and differences

Forecasting in Banana Accounting is not a separate document, but integrates with accounting data and evolves together with real accounting.

Profit and Loss Statement with actual balances, budget balances, and differences

With this report presentation, you can evaluate whether the company will be profitable and identify possible issues in advance.

Comparison of actual vs budget account card

With Banana Accounting financial forecasting, you can go beyond traditional forecasting. With the new Account card: Current vs/Budget extension (Beta version), you can compare an account card with both actual transactions and budget transactions. 

This is a completely new feature that allows you to:

• analyze in detail the actual transactions compared to the budgeted ones
• easily identify variances shown in the Differences column. 
• progressively improve your planning capabilities.

Advantage: customer account card with actual and budget data

With Banana Accounting, for each customer you have a complete account card that integrates:

• actual data → issued invoices and real payments received
• forecast data → future invoices and expected payments

With Banana, the customer account card does not only show what has happened, but also what will happen, with all management details already integrated. In one single view, you can see the past, present, and future. 

Using the new extension dedicated to the account card, which compares actual and budget transactions, you can analyze in detail:

• Customer
• Project
• Cost center
• Segment

To display the comparison between actual and budget data for an account, you need to:

• Install the Account card current vs budget extension (Beta version)
  • From the menu Extensions > Manage extensions > Accout card: current vs budget (Beta version)
• In the dialog window that opens:
  Double-click on Account and select from the account list the account (or category), cost center 
  • Two account cards related to the same account are displayed side by side
  • In the last column of the budget account card, the Difference column is displayed, highlighting line by line the difference in amounts between actual and budget data.

Summary

With precision financial planning, you can:

• enter detailed forecasts transaction by transaction
• automatically obtain all reports
• monitor liquidity and profitability
• compare forecasts and actual results
• progressively improve decision-making

It is not just about creating a budget, but about using an integrated system to plan and manage the financial future with professional accounting tools.