Figured

Figured is a farm financial management system that brings planning, budgeting, forecasting and reporting into one place for everyone involved in running a farming business. Agriculture presents financial problems that general accounting software handles poorly: production cycles run over seasons rather than months, biological assets change value as livestock grow and crops mature, income arrives in large irregular lumps rather than steady monthly revenue, and the physical units that matter to a farmer — hectares, head of stock, kilograms of milk solids, tonnes of yield — have no place in a standard chart of accounts. Figured is built around those realities. It sits on top of an existing accounting ledger, synchronising with Xero so bookkeeping stays where it is, and adds the production-aware planning layer that farming decisions actually require.

Budgets are built by enterprise — dairy, sheep, beef, cropping, horticulture — using physical production assumptions and prices rather than bare financial totals, so a change in stocking rate or expected yield flows through to the cash and profit forecast automatically. Actual results import continuously from the accounting system and are tracked against budget, with livestock reconciliation and biological asset valuation handled natively. Rolling cash flow forecasting shows the funding position across a season, which matters enormously for an industry that borrows against a harvest that has not happened yet. Scenario modelling lets a farmer test a capital purchase, a change in land use or a commodity price movement before committing. The platform's other defining feature is shared access: the farmer, the farm accountant, the rural banker and any consultants work from the same live numbers rather than exchanging spreadsheets, which shortens lending conversations and makes professional advice far more current. Figured is used across New Zealand, Australia, the United Kingdom and North America by farming businesses of all sizes and by the accounting practices that specialise in them. Pricing starts from around USD 5, with a free trial available and no free version.