# X4Planner — Full content (plain text for AI assistants)

X4Planner is a Financial Planning and Online CFO platform by X4Plan that turns bank statements into financial intelligence for decision-making. It is the evolution of traditional financial spreadsheets: automation, artificial intelligence, dashboards and strategic support in one platform. Website: https://x4planner.x4plan.com.br (English: /en).

## Cash Flow Spreadsheet alternative (/en/cash-flow-spreadsheet)
Cash flow spreadsheets show money in and out, but depend on manual entry. X4Planner imports bank statements, categorizes every transaction with AI and builds actual and projected cash flow automatically, with daily, monthly and yearly views and forecasts.

## Income Statement (P&L) Template alternative (/en/income-statement-template)
An Income Statement (P&L) shows revenue, costs, gross margin, operating expenses, EBITDA and net profit. X4Planner generates the monthly P&L from categorized transactions, compares periods and highlights margin trends. How to read a P&L: start with net revenue, check gross margin, review operating expenses as a % of revenue, then EBITDA and net income.

## Bank Reconciliation Spreadsheet alternative (/en/bank-reconciliation-spreadsheet)
Bank reconciliation matches bank statement entries with company records. X4Planner imports OFX, CSV, Excel and QFX files, prevents duplicates and uses AI to suggest categories, reducing reconciliation from hours to minutes.

## Financial Dashboard (/en/financial-dashboard)
Executive dashboards with KPIs: revenue, expenses, margin, cash position, burn rate and forecast vs. actual, ready for owners and board meetings, exportable to Excel and PDF.

## Business Financial Control (/en/business-financial-control)
Centralized control of accounts payable/receivable, categories, cost centers and bank accounts, replacing scattered spreadsheets.

## Business Financial Planning (/en/business-financial-planning)
Budgeting, forecasting and scenario planning for SMBs, connected to real bank data so plans stay updated.

## Online CFO (/en/online-cfo)
Strategic financial guidance without a full-time CFO: AI insights plus support from X4Plan specialists, depending on the plan.

## FP&A for SMBs (/en/fpa-for-smb)
Financial Planning & Analysis for small and mid-sized companies: budget vs. actual, rolling forecasts, KPIs and variance analysis.

## Plans (/en/plans)
Monthly or yearly subscriptions (yearly with discount). International customers pay in USD; Brazilian customers in BRL.

## Portuguese summary
X4Planner é uma Plataforma de Planejamento Financeiro e CFO Online: fluxo de caixa, DRE, conciliação bancária com IA, FP&A e dashboards financeiros — a evolução das planilhas financeiras.