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Interest rates

Set the rate assumptions in bluprnts — interest earned on cash, charged on overdraft, plus annual inflation and depreciation — applied across the forecast.

The Rates section holds the assumptions the engine applies as it projects forward: the interest your bank balance earns or costs, and how prices and asset values drift over the years. Most businesses set these once.

Open the Rates settings#

In the left sidebar, select your company name at the bottom to open Company options, then choose Rates. Changes save automatically.

The Rates section of Company options in bluprnts, showing Interest fields (cash interest rate, overdraft interest rate) and Long-run assumptions (annual inflation, annual depreciation) for Perch Coffee.The Rates section of Company options in bluprnts, showing Interest fields (cash interest rate, overdraft interest rate) and Long-run assumptions (annual inflation, annual depreciation) for Perch Coffee.

Interest#

  • Cash interest rate — interest earned on a positive bank balance, added as income each month. Leave it at 0 if your account pays nothing.
  • Overdraft interest rate — interest charged whenever the balance goes negative. A higher rate makes cash squeezes more expensive in the forecast.

Long-run assumptions#

  • Annual inflation — a yearly rise applied to costs over time, so future expenses grow rather than staying flat.
  • Annual depreciation — how fast assets lose book value each year. It spreads the cost of equipment across its useful life in the P&L.