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Choosing farm financial planning software: a producer's checklist

There's a difference between software that records your money and software that helps you plan it, and a lot of buyers find that out the hard way. Your accounting package — Xero, MYOB, or an ag-specific book — is built to keep the books and satisfy the tax office. It's looking backward. Planning software should be doing the opposite: taking those numbers and showing you the year ahead. Here's what I'd check before paying for anything.

Does it look forward, or just back?

A tidy set of accounts for last year is not a plan. You want a forward view — a budget you steer by, and ideally one that tracks against actuals as the year runs so it stays honest.

Does it show cash, not just profit?

Profit is an end-of-year number. Cash is the thing that runs out in December. Good planning software shows you a running bank balance and flags the tight month, not just a profit figure.

Does it separate your enterprises?

Whole-farm numbers hide which enterprise makes money. If the software can't split breeding from trading from agistment, it can't tell you the one thing you most need to know.

Does it work with what you already keep?

You shouldn't have to throw out your accounting software and re-key everything. The sensible model is: keep your books where they are, export them, and let the planning layer read them.

Is the pricing honest?

A lot of farm software hides its price behind a quote or gates it through a consultant. There's nothing wrong with an advisor-led tool if that's what you want — but you should be able to see what it costs before you commit, and you should be able to run it yourself if you'd rather not pay for a consultant to sit between you and your own numbers.

Is it built for here?

Australian financial year, GST, and enterprise structures that match how a mixed farm actually runs — not a US or generic template you have to fight.

I built TheFarmOS against exactly this checklist: forward, cash-aware, enterprise by enterprise, reading the MYOB or Xero export you already produce, at a flat published price you can run yourself.

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Related: Farm cashflow forecasting · Enterprise gross margin

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