FY2026 budget vs actual for a card-payments company, through the September close. The same numbers come from an Excel workbook built entirely on formulas, which you can download below.
Fav/(Unfav): positive means revenue above budget or cost below budget. Bars show each line's variance on a shared scale, blue favourable and red unfavourable. ! marks unfavourable lines past both thresholds ($50K and 5%).
Volume: more total payment volume at budget mix and rates. Mix: volume moving between products at each product's budget rate. Rate: actual take rate vs budget.
Outlook = January to September actual + Q4 forecast. Most lines run Q4 budget at the Q3 actual-to-budget run rate. Fraud, marketing, professional fees and subscriptions use budget plus known adjustments, such as the deferred $1.08M campaign. Change any of these on the Forecast tab of the workbook.
All data is synthetic, generated from volume, take-rate and headcount drivers with known stories built in. Built with AI-assisted coding (Claude); the analysis, structure and review are my own.