Smart Planning can be opened directly from cash flow planning:
PLANNING → Smart Planning
To do so, click Smart Planning in the header of cash flow planning.
Forecast settings made under INSIGHTS > HEALTH can be carried over into Smart Planning. Settings made there, such as risk strategy, forecast methods or excluded categories, are carried over when switching directly to Smart Planning.
ATTENTION: When leaving or refreshing the Smart Planning area, settings that have not yet been saved may be lost.
Smart Planning workflow
Smart Planning guides you through the creation of the cash flow plan in three steps:
Model selection
Fine tuning
Finish
The navigation on the left side shows at any time which step is currently being worked on.
Step 1: Model selection
In model selection, the general settings of the AI forecast are defined.
Selecting the forecast model
Under Forecast model, you can select how the future values are to be calculated.
The following models are available:
COMMITLY AI (recommended)
Prior-year values
Run rate
Moving average
With COMMITLY AI, COMMITLY automatically selects a suitable forecast method for each category based on the existing transaction history.
Setting the risk strategy
The risk strategy determines how cautiously or optimistically the liquidity development is to be planned.
The options are:
Very conservative
Conservative
Balanced
Optimistic
Very optimistic
The risk strategy affects the forecast development of income, expenses and liquidity.
Setting the planning horizon
Under Planning horizon, you select up to which fiscal year end the plan is to be created.
For example, the following are available:
Current fiscal year
Next fiscal year
The date shown depends on the fiscal year end stored for the company.
Reviewing the AI forecast
The AI forecast chart shows the liquidity development so far and the calculated future development.
The vertical marker Today separates the existing actuals from the forecast development.
The middle line represents the expected development. The lightly shaded area shows the possible range of the forecast.
The forecast can be recalculated using the refresh icon at the top right of the chart.
If the settings are correct, click Continue to fine tuning.
If the forecast is to be accepted without further adjustments, you can – where available – switch directly to Finish.
Step 2: Fine tuning
In fine tuning, the individual categories of the forecast are reviewed.
Overall liquidity plan
The Overall liquidity plan is shown in the upper area.
The overview contains:
the current account balance under Today
the projected account balance at the End of horizon
the past and future liquidity trend
The chart shows how liquidity could develop based on the currently selected settings.
Reviewing categories
Below the overall liquidity plan, the forecast categories are listed.
For each category, the following are shown:
Category
Forecast total
Trend
Using the arrow to the left of a category, it can be opened and reviewed in more detail.
Depending on the category, the following settings, among others, can be adjusted:
Forecast method
percentage adjustment
pessimistic, medium or optimistic forecast
exclude category from the plan
The categories are already pre-filled. Only those values that do not match the expected development therefore need to be adjusted.
The progress bar in the upper area shows how many categories have been adjusted.
After completing the review, click “Finalize plan”.
Step 3: Finish
In the last step, the complete cash flow plan is summarized once more before it is created.
Planning period and account balances
The summary contains:
Balance at plan start
Current Account Balance
End of the planning period
In addition, the period for which the cash flow plan is created is shown.
The chart now shows the entire planning period from the start of the fiscal year to the selected fiscal year end.
Note: The display may change compared to the previous steps. In the first two steps, the short-term forecast development is the focus. In the final step, the entire planning period is shown.
Note on unmapped transactions
If the plan contains unmapped transactions, the following warning is shown:
Note: This plan contains unmapped transactions (no capital or financing categories). We recommend mapping them under Transactions before creating.
Unmapped transactions can affect the quality of the forecast. It is therefore recommended to map the affected transactions under TRANSACTIONS before creating the plan.
The plan can still be created.
Creating the Smart Planning plan
If all information is correct, click Create plan.
COMMITLY then creates the cash flow plan and opens it automatically in cash flow planning.
Result in cash flow planning
The plan created via Smart Planning is saved as a draft.
The name is assigned automatically, for example:
Smart Planning 2026-07-15
The plan can then be edited further in cash flow planning. For this, individual budget values can be adjusted directly in the table.
Smart Planning:
does not create an additional planning scenario type,
does not commit the plan automatically,
does not replace a plan that has already been committed,
does not change any existing plans or scenarios.
If the created plan is to be used as a binding comparison plan, it must subsequently be committed manually via plan management.