Abstract: A method and product for budgeting and/or managing cash flow includes entry of company information, assumptions, debt schedule, borrower's certificate and monthly data into a software program. The assumptions include cash on hand, cash receipts and cash paid out, among others. The information entered into the software is manipulated and stored in monthly ledgers for further display. Also provided is a calculation, based on actual part year figures for receipts, of remaining monthly adjustments needed to achieve predetermined budget figures. The product further provides a debt consolidation calculator for calculating the savings from the consolidation of at least two existing loans, and for calculating the possible savings based on at least two different weighted averages, the weighted average of the interest rates of the loans, and the weighted average of the interest rates considered together with the weighted average of the term of each of the loans.