The annual budget is approved, then reality moves. These are the cracks finance teams live in.
Donor commitments, exchange rates and programme costs drift from the approved budget within weeks. By mid-year the board pack no longer matches reality.
The annual frame rewards spending to the line, not stewarding the mission. There is nowhere to plan the next twelve months without re-opening the whole budget.
Grants fund specific programmes on their own timelines. Forcing them into one 12-month frame means reconciling by hand, every reporting cycle.
Budgets, forecasts, payroll calculators and balance sheets live in fragile, disconnected files — impossible to share safely or report across in real time.
The shift
Boards and donors expect a traditional annual budget; running the organisation needs a forecast that tracks reality. Luma keeps both in one model: the approved ceiling for governance, the rolling actuals for operations, linked so variance surfaces early — months before it would in a spreadsheet.
How rolling budgets workBudget health · FY2026
Rolling vs. annual
countries' statutory payroll built in
Kenya & the US
rolling forecast horizon
12–24 months ahead
login for every entity you run
one account, many companies
finance modules, integrated
budgets → reporting
Purpose-built for the way non-profits actually plan, spend and report.
Three steps to a budget you can steer by.
Create each legal entity with its country, currency and fiscal year, pick a payroll jurisdiction, and start from a ready chart of accounts.
Lay out organisation income and programme budgets across CAPEX and OPEX, with personnel costs pulled straight from payroll.
Roll your numbers forward on the canvas or in a spreadsheet, watch budget health, and generate the statements your board needs.
One account, many companies — and the people who steward them, working from the same numbers.
Hold the annual line and steer by the rolling forecast — without rebuilding a spreadsheet every month.
See each programme’s budget, actuals and grant timelines in one place, in the currency you operate in.
Get real-time financial statements and budget-health indicators — the metrics your board actually reviews.
We’re onboarding non-profit finance teams one cohort at a time. Early-access organisations get founder access, a say in the roadmap, and a founding-partner discount. No fabricated customer counts — just honest, early, and built with you.
A genuinely useful free tier, then plans that scale with the entities you run. Annual is ~2 months free, and early-access orgs get a founding discount.
A single small org, finding its feet.
Free forever
A growing NGO running real budgets.
from $490/yr
Multi-entity orgs with payroll & reporting.
from $1,490/yr
Federations & multi-country operations.
Custom