Your financial control tower.
Every founder deserves their own FP&A function. Live insights, smart suggestions and financial clarity — built for UK entrepreneurs navigating a complex future.
✓ No credit card required · ✓ 5-minute setup · ✓ UK VAT & NI built in
Sound familiar?
The spreadsheet that owns you
Hours lost every month updating forecasts that are out of date the moment you save them.
Chasing payment dates
You know the invoice is due — somewhere. Tracking expected receipts across email threads and spreadsheet tabs.
Variance blindness
Something changed. Costs are up, cash is down. But by how much, and why? The answer takes half a day to find.
VAT day surprise
Every quarter the same shock — how much is in the account vs how much is actually yours after HMRC takes their share.
Payroll is material — it has to be exact
Employer NI, pension and PAYE add up fast. This isn’t a rounding error you can shrug off; it’s a cash line you need planned to the penny.
How long have we actually got?
You know cash is tight but not exactly how tight. The number in your head is a rough guess, not a real calculation.
Runwaiy was built because every one of these happened to us.
Daily cash position with actuals, forecast and pipeline scenarios
£180,000
Avg cash tracked
7.2 months
Avg runway visibility
5 minutes
To set up
What founders are saying
Finally a cash flow tool that actually understands UK payroll and VAT. Replaced three spreadsheets in one afternoon.
— Beta user, Agency founder
The AI insights flagged a supplier payment issue I'd completely missed. Paid for itself in the first week.
— Beta user, SaaS founder
Everything a founder needs to run FP&A
The financial clarity that used to require a full-time CFO or expensive FP&A team. Built for founders who are also the FD.
Cash Flow Forecasting
24-month daily and monthly cash position. Contracted, forecast and pipeline scenarios in one view.
Scenario Planning
Toggle between contracted, forecast and pipeline. Model hiring decisions, new contracts and cost changes. See your runway under any assumption.
Payroll & People Costs
Full employer cost breakdown — salary, employer NI at 15% and pension. True payroll liability by person, updated automatically.
VAT & Tax
Quarterly VAT forecasting with UK rates built in. Corporation tax visibility. PAYE and NI payment calendar automatically populated.
Xero Integration
Connect Xero to sync real bank transactions. Automatic matching to your cash events. Actuals vs forecast in one view.
AI Insights (Optional)
Claude analyses your numbers and surfaces specific insights — supplier payment timing, VAT coming up, burn changes explained. Turn it on when you want it.
Your numbers, explained
Most tools show you data. Runwaiy tells you what it means.
When you want it, our AI reads your cash position, burn rate, supplier payment terms and upcoming tax obligations — and surfaces the things worth knowing.
Not generic tips. Specific insights about your business, in plain English.
- Cash runway trajectory
- Supplier payment timing opportunities
- VAT and corporation tax visibility
- Payroll and NI exposure
- Burn rate changes explained
Powered by Claude. Runs when you ask it to. Your data is never used to train AI.
WeWork paid 27 days early
You're paying WeWork on day 1 against 30-day terms. Shifting to day 28 keeps £2,200 in your account for an extra 27 days each cycle.
£2,200 cash timing£8,400 VAT due in 6 weeks
Your Q2 VAT liability is approximately £8,400, due 7 June. At current trajectory you'll have £164,000 available — well covered, but worth ring-fencing now.
Due 7 JuneBurn up 14% this month
Outflows increased by £2,340. Main drivers: AWS invoice up from £340 to £890, and contractor payment landing same week as payroll.
£2,340 increaseExample insights shown. Yours are generated from your actual data.
About Runwaiy
Runwaiy is a financial planning and analysis (FP&A) web application built for UK founders, entrepreneurs and small business owners. It provides cash flow forecasting, payroll cost modelling, VAT forecasting, scenario planning and pipeline management in one dashboard.
Runwaiy is designed for UK-based startups, SaaS companies, agencies and service businesses with between 1 and 50 employees. It is particularly suited to founders who act as their own finance director and need CFO-level financial clarity without the cost of a finance team.
Unlike general accounting tools such as Xero or QuickBooks, Runwaiy focuses on forward-looking financial planning rather than bookkeeping. Unlike Float, it includes UK-specific payroll modelling with employer National Insurance at 15%, pension auto-enrolment, quarterly VAT forecasting aligned to HMRC quarters, and optional AI-powered insights generated from the user's own data.
Runwaiy is available from £29 per month with a free trial. No credit card is required to start. It integrates with Xero and is built exclusively for UK businesses.
More than just cash flow
Most tools only show you one piece of the picture. Runwaiy brings it all together.
| Feature | Runwaiy | Float | Xero alone |
|---|---|---|---|
| Cash flow forecast | ✓ | ✓ | ✗ |
| Daily cash position | ✓ | ✓ | ✗ |
| Payroll analytics | ✓ | ✗ | ✗ |
| VAT forecasting | ✓ | ✗ | partial |
| Subscription modelling | ✓ | ✗ | ✗ |
| Contractor management | ✓ | ✗ | ✗ |
| Scenario planning | ✓ | ✓ | ✗ |
| FP&A planning | ✓ | partial | ✗ |
| AI insights | ✓ | ✗ | ✗ |
| UK-specific (NI/PAYE) | ✓ | ✗ | ✓ |
| Price (per month) | £29 | $59 | £15+ |
← Scroll to compare →
*Comparison based on publicly available pricing and features as of March 2026. Prices exclude VAT.
Simple, transparent pricing
No hidden fees. Cancel anytime. Two months free when you pay annually.
STARTUP
£29/month
- Up to 10 employees
- Up to 20 revenue contracts
- 24-month forecast
- Xero integration
- AI insights
- Email support
GROWTH
£59/month
- Up to 50 employees
- Unlimited contracts
- 24-month forecast
- Xero + Stripe integrations
- Subscription modelling
- Payroll analytics
- AI insights
- Priority support
SCALE
£99/month
- Unlimited employees
- Unlimited contracts
- All integrations
- Investor report exports
- Up to 10 users
- AI insights
- Dedicated onboarding
🎯 First 10 companies get Founder access — free forever. No catch.
Built for founders who run lean
The Solo Founder
You're wearing every hat. Runwaiy gives you the financial clarity that usually takes an accountant hours to produce — in minutes.
The SaaS Builder
MRR, churn, runway, subscription pricing changes — Runwaiy models the metrics that matter for subscription businesses.
The Agency Owner
Retainers, contractors, VAT quarters — cash flow is lumpy and timing matters. See exactly where you stand.