MurphFin is a SaaS platform for forward-looking financial planning. It generates 5-year financial plans — income statement, cash flow, balance sheet, financial ratios — with automatic grant calculation and AI-generated narrative sections. Used by financial consultants, accountants, advisors and entrepreneurs.

No. MurphFin runs entirely in the browser. Just register on murphfin.com and get started. It works on desktop, tablet and smartphone.

Yes. A fully navigable demo business plan is available across all 9 steps, complete with financial statements, charts and AI narrative. You can also fill in step 0 (creation) and step 1 (company details) of your own plan for free before activating a subscription.

MurphFin is a platform owned by Fisit S.r.l. (Analytiko is a trademark owned by Fisit S.r.l.), a company based in Teramo, Italy (VAT no. IT02602500221) that carries out applied research and develops software platforms and AI systems for highly regulated sectors, delivered as SaaS. The calculators comply with applicable grant regulations and are verified by industry professionals. The proprietary AI model is developed within the NVIDIA Inception programme.

When your business plan is complete and ready for submission, you can confirm it from step 9. Confirming locks the company details and historical financial statements (steps 1 and 1b) to prevent accidental changes to foundational data, and removes the "DRAFT" watermark from the generated PDF. You can revert the plan to draft status at any time if you need to correct the base data.

With the Base plan you can have up to 5 active business plans at the same time. With the Premium add-on the limit rises to 15. Archived plans do not count towards the limit — you can archive a completed plan to free up a slot. For associations, consortia and professional bodies, dedicated offers with custom limits are available.

MurphFin Forge is the advanced financial analysis suite included in the Premium plan. It lets you define the bill of materials for each product, set custom collection profiles (immediate, 30, 60, 90 days), apply seasonality curves to monthly volumes and calculate the break-even per product with fixed cost allocation. The Pro monthly cash flow graphically shows the gap between accrued revenue and actual collections. All Forge data feeds into a dedicated 11-page PDF appendix that is automatically appended to the business plan. Forge is optional: existing business plans continue to work normally without activating it.

MurphFin Advisor is the package for generating professional financial analysis reports on historical financial statements. While the Business Plan looks ahead (projections, plans, scenarios), Advisor analyses the past (3-5 years of filed accounts) to produce a structured report you can present to banks, auditors, courts, shareholders or clients. You need it when you have to: present a company's financial position to a lender, support a financing request with an independent analysis, assess early warning signs before they become irreversible, or prepare a draft insolvency report for a crisis manager. You can choose from four report tones (objective, bankable, anti-fraud, business distress) that adapt the language and focus to the intended audience.

When you select the business distress tone, the report follows the official template issued by professional accounting bodies for insolvency proceedings. Experts reading the document — auditors, judges, crisis managers — will find exactly the nine expected sections: preliminary assessment, state of accounting records, bank statement analysis, asset and liability data, five-year financial statement analysis, loss of share capital and worsening of distress, transactions meriting particular attention, directors and supervisory bodies, conclusions and recommended further action. The AI model is instructed to use the appropriate legal and technical terminology and to maintain a prudential, non-accusatory approach.

The report remains a technical support draft for the appointed professional and does not replace an official report by a qualified insolvency practitioner.

You have three sources available:

Automatic import via Companies House API (the fastest): enter the company's registration number and the platform retrieves up to five years of filed accounts in one click. It also updates missing company details (industry classification, legal form, registered office).

Excel file upload: download the MurphFin template (column-based structure with line items and years), fill it in with your data and re-upload. The parser recognises twenty-one accounting items with tolerant aliases — the names do not have to match the template exactly.

Manual entry: a guided form with three years for fifteen balance sheet items (revenue, EBITDA, net profit, equity, debt, etc.). Useful when working with non-filed accounts or when you only want to enter the essential items.

Three subscription tiers with up to 5 active business plans (10 with Premium):

Monthly: EUR 99 + VAT — up to 5 active BPs, AI narrative, PDF with charts, Excel export, grant calculation.
Semi-annual: EUR 519 + VAT — everything in Monthly for 6 months (EUR 86/month, save 13%).
Annual: EUR 969 + VAT — everything in Semi-annual for 12 months (EUR 81/month, best value).

Premium add-on: up to 10 active BPs, 8 pre-filled industry templates, amount slider, unbranded PDF. Plus, it includes MurphFin Forge: bill of materials per product, break-even, collection profiles, seasonality, Pro monthly cash flow and dedicated PDF appendix. From + EUR 150/month.

Associations, consortia and professional bodies: dedicated offers with multi-user licences and centralised invoicing. Contact us at [email protected].

When creating a new business plan you can choose a free industry template (Restaurants, E-commerce, Consulting, Manufacturing, Tourism): it pre-fills investment item names, products and fixed costs as a starting point. The values are indicative and need to be customised.

Premium models (available at step 2 with the Premium plan) are more advanced: they automatically distribute amounts with weights optimised for the selected grant. You can adjust the total amount with a slider and the system recalculates each item proportionally. They are designed for those who want to start immediately with realistic, calibrated data.

Payment is processed through Revolut, which accepts credit/debit cards (Visa, Mastercard, etc.), Revolut Pay, Apple Pay and Google Pay. The payment is secure and encrypted. You will receive an automatic electronic invoice.

On the purchase page you will find a "Coupon code" field. Enter the code and the price will update automatically with the discount applied.

As digital content provided upon explicit request, the right of withdrawal is excluded under applicable consumer protection law. In case of technical malfunction, contact us at [email protected].

MurphFin currently supports multiple government-backed grant programmes for startups and SMEs. For each programme, the platform automatically calculates the eligible subsidies and verifies investment admissibility by category. The grant engine is regularly updated as new programmes are published.

Absolutely. You can choose "Free plan (no grant)" to create a business plan to present to banks, investors, shareholders or for internal planning. The financial calculations work independently of any grant.

No. The business plan is a support tool. MurphFin optimises the calculations and documentation, but the outcome depends on the funding body (government agencies, banks, etc.). We recommend consulting a professional for the formal submission of the application.

MurphFin AI analyses the financial structure of the plan and generates narrative sections compliant with grant application requirements: company description, market analysis, operational plan, commercial strategy, financial plan and grant-specific sections. Every figure quoted in the text is calculated by the engine, not approximated. Advisory tone — the level expected by credit committees and funding bodies.

The AI narrative is included in all subscriptions.

Yes. Every AI-generated section is fully editable. You can regenerate a section if the result does not meet your expectations, provide additional instructions in the "context" field to guide generation, or write the text entirely by hand.

With an active subscription you have a generous budget of AI credits, sufficient to generate and regenerate all narrative sections of your business plans. Credits renew with your subscription.

Business plan creation (step 0) and company details (step 1) are always free. You can set up the company, choose the grant and the industry template without paying anything.

From step 2 (investments) onwards, the system requires an active subscription (Monthly, Semi-annual or Annual). With the Base plan you can have up to 5 active business plans, with Premium up to 15. Archived plans do not count towards the limit.

In addition to the narrative, MurphFin includes an AI Assistant accessible from the sidebar: a chat where you can ask questions about grants, requirements, subsidies and documentation. The assistant consults official grant regulations to provide up-to-date, contextual answers.

Email [email protected]. We respond within 24 business hours.

Yes. We use HTTPS encryption, securely hashed passwords, CSRF protection and Content Security Policy. Data is hosted on European servers, backed up automatically every day and never shared with third parties for marketing. For details, see our Privacy Policy.