Cash flow forecasting and automatic invoice reminder software
Starting costs about $54,700 in the United States and 9,640,000 NGN in Nigeria. After 12 months, this business can bring in about $2,120 net per month in the United States and 527,000 NGN in Nigeria. The starting money comes back in about 2.5 years, with 45 hours of work per week.
Mundyo estimates, data as of 2026-11-02.
See the numbers for my countryFree, no account, in the currency of 250 countries.
The numbers
| Country | To start | Net per month (month 12) |
|---|---|---|
| United States | $54,700 | $2,120 |
| Nigeria | 9,640,000 NGN | 527,000 NGN |
| United Kingdom | £37,500 | £1,500 |
| Kenya | 2,470,000 KES | 72,700 KES |
| India | 1,220,000 INR | 53,000 INR |
Amounts adjusted to each country's price and income levels.
The problem
Small businesses discover cash flow problems too late and chase unpaid invoices by hand, when they remember.
The solution
Online software that imports invoices and bank statements, forecasts cash three months ahead and sends graduated, personalised reminders to late payers.
Your customers
Small service and trading businesses, and accounting firms that want to offer it to clients.
How you make money
€29 to €99 per month depending on invoice volume, bulk licences for accounting firms.
Competition
Accounting software with these features built in, funded specialist vendors, spreadsheets and free banking tools.
Who has an edge
A team combining a developer and a finance profile (controller, accountant) who really understands collections.
The risks
Very competitive market, costly and regulated bank connections, financial data security, long road to profitability.
The first 3 steps
- Interview 20 owners and accountants about reminders and cash flow.
- Launch the reminders module first, as it is easier to sell.
- Sign two pilot accounting firms to test it with their clients.
How the numbers are calculated
Example in a high-income eurozone country, at month 12: revenue €2,150 − costs €650 = €1,500 net per month. Revenue: 36 subscribers × €60 a month. Costs: hosting, bank data feeds, advertising, payment fees, social contributions. For other countries, Mundyo adjusts the starting budget to the price level (World Bank) and the income to prices and customers' purchasing power, then converts at the day's exchange rate.
Frequently asked questions
How much does it cost to start: Cash flow software?
About $54,700 (United States), 9,640,000 NGN (Nigeria), £37,500 (United Kingdom), depending on the country. Mundyo calculates the amount for 250 countries.
How much can you earn per month?
After 12 months, about $2,120 (United States), 527,000 NGN (Nigeria), £1,500 (United Kingdom) net per month, after costs.
How long until I get my starting money back?
About 2.5 years, with 45 hours of work per week.
What are the risks?
Very competitive market, costly and regulated bank connections, financial data security, long road to profitability.
Where do I start?
1. Interview 20 owners and accountants about reminders and cash flow. 2. Launch the reminders module first, as it is easier to sell. 3. Sign two pilot accounting firms to test it with their clients.
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