Chilli Pepper
The budget planner for small teams

A budget planner that doesn't break like Excel.

Smart Budget builds a real three-year P&L, cash flow and balance sheet from a few simple inputs. Set it up in minutes — then change any assumption and watch every number update. Model a new hire, a price change or a slow quarter in seconds, without touching a formula.

14 days free, then £20/month + VAT · up to 25 users · cancel anytime. Need project planning too? Smart Project is a separate app, also £20/month — trial it whenever you like.

A real financial model, without the spreadsheet

Smart Budget does the hard parts for you, so you spend your time on decisions, not formulas.

Set up in minutes

A short wizard and a handful of plain-English inputs — staff, sales, overheads — and you have a working model. No template to wire up, no formulas to maintain.

Model any scenario in seconds

Change a price, add a hire, push a funding round, or pull the what-if sliders — and the whole forecast re-computes instantly. Compare the optimistic and the cautious case before you commit.

Three statements that always tie

P&L, cash flow and balance sheet linked end-to-end, with UK VAT and payroll handled and a built-in balance check that never drifts out. Export to Excel or PDF in one click.

Why I built this

Made by someone who needed it.

25 years building businesses Several grown to exit £30m in revenue

Over the last 25 years, I’ve started, grown and run a number of businesses — from early-stage ideas through to a business with revenues into the £30m range.

In that time, I’ve used a lot of business software. I’ve always liked tools that genuinely add value: software that helps you think clearly, make better decisions and scale without creating more work than it saves. But I kept coming back to the same frustration. Two of the things every business needs — a financial model you can trust and a simple way to keep projects on track — were either too rigid, too complicated, or far too expensive.

So, like many founders, I built what I needed in Excel.

That worked for a while. But the same thing always happened. The model grew, the formulas became fragile, and I spent more time checking broken links and chasing errors than actually thinking about the business. And once a second person got involved, the risk of something breaking increased dramatically.

Smart Budget was created to solve that problem.

It lets you model your assumptions and produce a proper P&L, balance sheet and cash flow without building everything from scratch. You can set your opening position, add actuals as the year unfolds, and see the forecast update as the business changes. It’s the sort of tool I want when I’m running what-if scenarios, planning cash, or putting a forward-looking picture in front of a board.

Smart Project came from the same place. I wanted a straightforward project tracker that covered the essentials without the bloat — and without paying per seat for people who only need to look in occasionally. It gives you proper Gantt-style planning, dependencies, milestones and a clear view of the critical path, in a way Excel never quite manages gracefully.

These tools were built because I needed them in my own businesses. They have earned their keep there, and that’s why I’ve made them available to others.

The pricing is deliberately simple and transparent: £20 a month for each app, with up to 25 users included, so you’re not constantly counting seats. They’re two separate apps — take whichever one you need, or both. If you need more than 25 users, just get in touch and we’ll work something out.

Chilli Pepper will keep improving. Once you’re using it, you can suggest features directly from your account. I release updates regularly and prioritise the things users ask for most.

So if there’s something you’d like Chilli Pepper to do, tell me. It was built from real business experience, and it will keep getting better through real user feedback.

Jim Driver

Founder, Chilli Pepper

Pick what you need.

Two separate apps, £20/month each. Start a free trial of the one you want — you can trial the other whenever you like. Up to 25 users included either way, so you're never counting seats. Need more? Just ask.

Smart Budget

Financial planning

£20/month + VAT

Per company · 14-day free trial · cancel anytime

  • Three-year monthly P&L, cash flow and balance sheet
  • Staff, sales, R&D and overheads, month by month
  • Mark actuals and track variance against plan
  • UK VAT, payroll and investor metrics built in
  • Export to Excel or PDF in one click
Start free trial

Smart Project

Project tracking

£20/month + VAT

Per company · 14-day free trial · cancel anytime

  • Gantt charts with real working-day maths
  • Sub-tasks, dependencies and milestones
  • Lock a baseline and track slippage against it
  • UK bank-holiday calendars plus your own days
  • Critical path, PDF and Excel export
Start free trial
They're two separate apps. Trial the one you want now — you can start a free trial of the other from your dashboard whenever you like. £20 each, no bundle, no lock-in. Compare the two apps

UK-hosted & GDPR-compliant · email support · add a card before your trial ends to continue.

Get started.

  1. 1

    Sign up in 60 seconds

    Email and password. We create your company workspace instantly.

  2. 2

    Add your team

    Invite colleagues by email. They click a link, set a password, they're in.

  3. 3

    Build your model

    Staff, sales and overheads in plain English — Smart Budget recalculates every statement as you type. No formulas to maintain.

  4. 4

    Decide with confidence

    Real numbers, not Excel guesses. Updated automatically as things change.

Get in touch

Chilli Pepper is built and run in the UK by a small team. If you want to see it in action, ask whether it fits your business, or just have a question before you sign up — get in touch and we’ll reply personally.