For Nonprofits · Accountability

Every dollar mapped before it moves.

Keep every program funded and know what you can afford next. From one 30-minute call, NavFi maps your year by fund and by grant and sends a board-ready pack every month. No clean books required.

Start with a 30-minute call →See the proof
Available now as a service · Dashboard in development
  • Summary
  • Cash calendar
  • Contracts
  • Reserves
  • Next moves
  • Appendix
Executive summaryBoard Budget FY2027
Prepared with NavFi
Sample numbers
Planned spend$412,300
Projected year-end reserve$138,900
Runway~19 months
Cash calendar, Oct to Sep Thin month
Safe to commit this month$9,400
Next moves
  1. Oct 3Transfer $2,100 to the reserveScheduled
  2. Oct 15Payroll $21,800Covered
  3. Oct 22Hold the equipment order until the grant landsHold
Board pack · FY2027Page 1 of 6
Accountability

A CFO who mapped every transaction in advance.

Most organizations find out what happened to the money afterward. With NavFi the year is planned first, transaction by transaction, and the books follow the map.

01

Plan commitments by available funding

Every payment has a purpose, a fund and a date before it happens. Payroll, rent, program costs, contracts and the reserve, all placed on the map with a running balance from day one to day 365. You see what you can afford before you say yes.

02

Restricted funds stay restricted

Each grant keeps its own lane and its own safe-to-commit number. Money never leaks between funds, and every transaction sits by fund with a running balance, so the numbers behind a funder report are already there.

03

See gaps and changes early

Three things change against a map: an amount comes in different, a date moves, or something is spent that was not planned. Each one is flagged when we receive your update, the plan recalculates, and the change goes in the log with who accepted it.

Accountability without a finance department: what a CFO would give a funder, an auditor or a council, produced from one call and kept current every month.

Proof · Pilot

322 transactions, mapped before the year began.

The HBCU Wrestling Initiative ran its FY2026-27 budget through NavFi. Every planned transaction was placed on the map with a running balance before the year started, and the board got the pack: a twelve-month cash calendar, burn and runway, contract status and a strategic-plan alignment table.

$898,742planned expenditures, all 322 transactions on the plan
55.6%of spend routed to the wrestling programs themselves
~22 morunway at the projected year-end reserve
322planned transactions reconciled to a running balance
Board Budget FY2026-27Prepared by NavFi
  • 01Executive summary and six board decisions
  • 02Twelve-month cash calendar, beginning to end balance
  • 03Burn, runway and a proposed reserve policy
  • 04Strategic-plan alignment: funded, partial, unfunded
  • 05Contract status, year by year
  • 06Appendix: every transaction, with running balance
Headline figures shared with the organization’s permission. Salaries, contract terms and the full pack stay private.
The proof, every month

Six pages the board can read.

The same format a board has already used to make decisions. Every pack, every month, in the order boards already read.

01

Executive summary and board decisions

Where you stand on one page, and the decisions in front of the board this quarter.

02

Twelve-month cash calendar

Beginning balance to ending balance, month by month, with the thin months marked.

03

Burn, runway and reserve policy

What you spend each month, how long the cash lasts, and a proposed reserve with the number to hold.

04

Strategic-plan alignment

Each goal in your plan marked funded, partial or unfunded, with what it would take to close the gap.

05

Contract status

Every contract, what it pays or costs, when it renews and when it ends.

06

Appendix

Every planned transaction with a running balance, so the treasurer can check any line before the meeting.

How it works

One call. Then a pack every month.

You do not set anything up. You bring the numbers you already know and we build the plan.

  1. 1

    The 30-minute call

    Bring the intake list: bank balances by account; payroll amounts and dates; rent, insurance and other fixed bills with due dates; open invoices, grants and pledges with expected dates; contracts with payment schedules; the cash floor you never want to cross; and the three things you are trying to reach, such as months of runway, a hire or a reserve.

  2. 2

    We build the plan

    Every commitment goes on the calendar with its date and its purpose. The plan runs forward twelve months and shows where cash gets thin. We recommend the moves that keep payroll, taxes and rent covered and reach your goals in order. You review the plan before the first pack.

  3. 3

    Your pack lands

    A PDF each month: the six pages, the next moves in order, and a change log. Weekly next moves are optional. Send Monday’s bank balances and the moves come back by Tuesday.

A person on your team accepts every move. Nothing moves without you.

When something changes

The plan recalculates. Locked payments stay put.

Money out is mapped. Money in still moves: a pledge comes in short, a grant slips, a bill lands high. You tell us, the plan recalculates around it, and the change is logged in the pack.

01

A pledge comes in short

You tell us the amount that arrived. Safe to commit adjusts and the next moves are put back in order.

02

A bill lands high

You tell us the real number. The plan recalculates around it and shows what it costs in runway.

03

A grant slips

You tell us the new date. The plan shows the thin weeks and the moves that cover them.

Before: grant tranche expected Oct 15
  • Safe to commit in October: $9,600
  • Oct 8, transfer $2,400 to the reserve
  • Oct 15, payroll $21,800, covered
  • Oct 22, after-school supplies order $6,400
After: the tranche slips to Dec 3
  • Safe to commit in October: $4,100
  • Recommended: hold the supplies order until the tranche lands
  • Kept: payroll, rent and the reserve transfer on their dates
  • Restricted funds untouched. Logged with the director’s acceptance on Oct 6

Sample with synthetic numbers. Payroll, rent and restricted funds are locked; a recommendation never moves them.

Partners

For CFO practices and fiscal sponsors.

If you carry several nonprofits at once, NavFi produces each one’s map, pack and next moves, and you stay the point of contact. You bring the judgment. Two organizations to start; we build every plan in the pilot and time every step.

Talk to us about your practice →
Who it’s for

Built for the people who answer for the money.

Nonprofit leaders who report to funders, donors and a board, without a finance department to do it for them.

Executive directors

You know the balances and the payroll date. Now you know what is safe to commit this month, in writing, before you say yes to a program, a hire or an order.

Fiscal sponsors and foundations

One map per sponsored project or grantee, each grant dollar planned and then spent as planned, with a running balance. The numbers a funder asks for, kept current every month.

Treasurers and boards

A pack you can check line by line, with a running balance, before the meeting instead of during it. Program budgets and restricted funds in the order you already read.

Public bodies and other organizations that answer for appropriated money: early conversations welcome, book a call.

Roadmap

The dashboard, in development.

The web dashboard shown below is in development. It will put safe to commit on one screen, list the next moves in order, and show a cash map of the year ahead, with read-only connections to QuickBooks Online, Xero and Plaid planned. The service works today without it, and organizations on the service now shape what it becomes.

app.navfi.money/harboryouth
PlannedQuickBooksPlaidor Xero
October 2026 · Where you stand

Safe to commit this month: $9,600$4,100

Updated Oct 6
Unrestricted cash$148,2002 accounts
Restricted funds$61,5003 grants, in lane
Next payroll$21,800Oct 15 · covered
Expected in 60 days$45,0002 grants, 1 pledge
Next movesRecommended, in order
Today
Send the Q3 report to the Lumen Foundationunlocks the $25,000 second tranche
Do it
Oct 8
Transfer $2,400 to the reservereserve policy · you confirm
Scheduled
Oct 15
Payroll$21,800 · Operating
Covered
Oct 22
After-school supplies order$6,400 · flexible date
Scheduled
Today
Confirm the Lumen tranche dateexpected Dec 3 · $25,000
Do it
Oct 8
Transfer $2,400 to the reservereserve policy · done
Covered
Oct 15
Payroll$21,800 · Operating
Covered
Oct 22
Hold the supplies orderuntil the tranche lands · restricted funds untouched
RecommendedAccepted
Programs and goalsETA on today’s plan
3 months of reserveETA Mar 2027
After-school program launchETA Jan 2027ETA Feb 2027
Lumen grant spend-down$38,000 of $50,000
Restricted funds in lane$61,500 held
Cash map12 months ahead8 quarters ahead5 years ahead
365 days2 years5 years
Scenario: Acme pays late April runs $9,300 short. Flagged 7 months early.
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Q4 26
Q1 27
Q2 27
Q3 27
Q4 27
Q1 28
Q2 28
Q3 28
2027
2028
2029
2030
2031

Illustration of the planned dashboard. Sample numbers. Want early access when it opens? Say so on the form below.

Trust

Nothing moves without you.

NavFi recommends. People decide.

Nothing moves without you

NavFi recommends the move. A person on your team makes it. Payroll, taxes and rent are locked and never moved by a recommendation.

Read-only connections, planned

When bank and accounting connections open, they will be read-only: NavFi will see balances and transactions and will not be able to move, send or withdraw money. Today, you send us the numbers.

Your data is never sold

Never shared with advertisers or used to market other companies’ products to you. The pack is yours.

Works with your accountant

Cash basis. NavFi prepares entries for your accountant to review. They still close the books, file and sign off. Planning, not tax, legal or investment advice.

Questions

Before you book.

Is this software or a service?

Today it is a service. The NavFi plan engine builds the plan, and a person on the NavFi team runs the call, checks the plan and sends the pack. The web dashboard is in development. When it opens, the pack and the next moves stay part of it.

Do we need clean books or QuickBooks?

No. NavFi plans from what you already know: balances, payroll, bills, grants and invoices with expected dates. What actually happens is treated as a change to the plan, not a reason to stop. Clean books make the plan better. They are not required. QuickBooks Online, Xero and Plaid connections are planned and will be read-only.

What do we send you?

The intake list, on the call or by email: bank balances by account; payroll amounts and dates; rent, insurance and other fixed bills with due dates; open invoices, grants and pledges with expected dates; contracts with payment schedules; the cash floor you never want to cross; and the three things you are trying to reach. A bank export helps and is not required.

How fast is the first pack?

We set the date on the call, usually timed to your next board meeting. Most first packs land within two weeks of the intake. After that, monthly, on the date you choose. Weekly next moves are optional and come back the day after you send Monday’s balances.

Does NavFi replace our bookkeeper or accountant?

No. NavFi runs on a cash basis and prepares entries for your accountant to review. Your accountant still closes the books, files and signs off. Accruals, depreciation and the audit stay with them.

What does it cost?

Per organization. We share the rate on the call, and early organizations keep their rate. No card is needed to book the call.

What if we spend outside the plan?

It is flagged as soon as we receive your update, usually the Monday balance or the month-end statement. You say what it was, it is logged with who approved it, and the pack shows it plainly next to what was planned. Amounts that differ and dates that move are handled the same way.

Do you work with startups or small businesses?

Not yet. NavFi for Nonprofits is the focus, because the pack format has been through a nonprofit board. A for-profit pack, with revenue lines and a 13-week view, comes after the nonprofit pilot. Tell us on the form and we will let you know when it opens.

What about the dashboard?

It is in development and the service does not depend on it. Organizations on the service now are the first in when it opens, and the plan we have built together carries over.

Get started

Tell us who you are.

Within two business days you get a reply with a booking link for the 30-minute call. Bring the intake list and we build the plan from there.

Rather talk it through first?

Thirty minutes with the NavFi team, on Google Meet.

Book a call →

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