Financial foresight. Plan securely.
The Auctoa Liquidity Planner allows you to precisely manage your finances, identify bottlenecks early, and support you in making informed decisions regarding your real estate investments and commitments. Plan your cash flow proactively and ensure your financial stability.
Accurate cash flow forecasts
Early warning system for bottlenecks
Optimised resource allocation
What is a liquidity planner and how does it assist you in real estate decisions?
Comprehensive recording of all relevant income and expenses in a real estate context.
Dynamic simulation of various scenarios (e.g. rental loss, renovation costs).
Transparent presentation of future solvency and financial flexibility.
Basis for informed decisions: Hold, Sell, Rent or Renovate.
Liquidity Planning for Heiresses: Financial Security and Clarity in the Event of Inheriting a Property
Inheriting a property presents many heirs with complex financial challenges. Beyond emotional considerations, there are suddenly ongoing costs to deal with, potential inheritance taxes, possible compulsory portion claims, or upcoming renovations. A detailed liquidity plan is essential here to gain a clear overview of all income and expenses. The Auctoa Liquidity Planner assists you as an heir in assessing the financial viability of the inherited property. You can simulate how rental income, ancillary costs, loan instalments, and unforeseen expenses affect your liquidity. This enables you to make informed decisions about whether to keep, sell, or rent out the property without encountering financial bottlenecks. Especially in the case of an heir community, a transparent liquidity plan creates a common basis for discussion and prevents misunderstandings. Learn how to manage your financial situation and set the right course for the future of your inherited property. Important aspects here include correctly recording all one-off and ongoing costs (e.g. property tax, insurance, maintenance reserve) as well as potential income (e.g. rental income after deducting non-recoverable costs). Our tool helps you to identify hidden cost traps and play out realistic scenarios to ensure your payment capability at all times and make strategic decisions based on a solid data foundation.
AUCTOA LIQUIDITY PLANNER
Your Finances Under Control – Forward-Looking and Secure
Revenue Analysis
Accurately capture and forecast all income types for your property.
Expenditure Check
Keep an eye on all cost points, from operating expenses to interest.
Scenario planning
Simulate various future options and their financial impacts.
Cashflow Report
Obtain clear overviews of your payment flows and liquidity development.
Budget Control
Set and track budgets for maintenance and other expense areas.
Deficit Warning
Early warnings of impending liquidity shortages give you room for manoeuvre.
Tax Forecast
Consider the tax aspects of your property investment for realistic planning.
Investment Planner
Are you planning investments in renovation or modernization and their financing?
Credit Overview
Manage your loans and analyze the impact on your liquidity.
Discover the core features of our tool for your optimal financial planning.
Ready for financial clarity?
Get started now with the Auctoa liquidity planner.
Der Auctoa Liquiditätsplaner: Increasing efficiency and adding value for estate agents, appraisers, and banks
For professional players in the real estate market, such as estate agents, appraisers, and banks, the Auctoa liquidity planner offers significant benefits and opportunities to increase efficiency. Estate agents can offer their clients – especially heirs and sellers – an additional service by transparently illustrating the financial impacts of various sales or rental scenarios. This builds trust and supports informed decision-making. Appraisers can use the liquidity planner to assess the economic viability of real estate projects or analyze the impact of renovation measures on their clients' cash flow, incorporating these insights into their reports. For banks and financial institutions, solid liquidity planning by the borrower is a crucial factor in lending and risk assessment. Our tool can assist in more accurately evaluating the creditworthiness of applicants in the context of property financing and in developing tailored financing solutions. By integrating the liquidity planner into your advisory and analysis processes, you stand out from the competition, provide your customers with genuine added value, and optimize your own workflows through data-driven insights and forecasts. The intuitive handling and clear presentation of results enable quick familiarization and efficient use in daily operations, leading to enhanced customer loyalty and more informed business decisions.
Optimal Synergies: The Liquidity Planner in conjunction with Auctoa's Property Valuation and Strategy Recommendation
The Auctoa liquidity planner reaches its full potential when combined intelligently with our other core competencies: AI-assisted property valuation and the individual strategy recommendations derived from it. For instance, after receiving an initial valuation range for your property through our chat evaluation or obtaining a detailed appraisal, you can directly transfer these values into the liquidity planner. Use realistic market data to plan the financial consequences of selling, renting, or holding the property. Our strategy recommendations (e.g., "Sell and reinvest proceeds" or "Hold and modernise for higher rental income") can be financially calculated and validated with the liquidity planner. This way, you can clearly see the monthly income and expenses associated with each strategy and how they affect your long-term liquidity. This integrated approach enables a comprehensive view of your property situation – from precise valuation to strategic action recommendations, up to detailed financial future planning. Leverage the combined power of Auctoa services not only to understand the value of your property but also to make the financially optimal decision for your future and gain a detailed understanding and control over its impact on your cash flow. This end-to-end approach offers you maximum transparency and decision-making confidence.
7 Expert Tips: How to Optimise Your Liquidity Planning with the Auctoa Tool for Maximum Financial Control
An effective liquidity plan is key to financial stability, especially in the context of real estate. The Auctoa liquidity planner gives you a powerful tool at your disposal. Here are seven expert tips to make the most of it: 1. **Comprehensive Data Collection:** Meticulously record all regular and irregular income (rent, other revenues) and expenses (loan repayments, operating costs, maintenance, taxes, insurance). The more precise the data, the more accurate the forecast. 2. **Make Realistic Assumptions:** Be conservative in your planning. Consider potential rental defaults, vacancy periods, or unexpectedly high repair costs. Plan for contingencies. 3. **Regular Updates:** Your financial situation and market conditions change. Update your liquidity plan at least quarterly or during significant events (e.g. tenant changes, major repairs, interest rate changes). 4. **Use Scenario Analysis:** Explore different scenarios. What happens if interest rates rise? What if an expensive refurbishment is required? Our tool allows you to simulate impacts and prepare accordingly. 5. **Short-term and Long-term Perspective:** Look beyond the next few months and plan medium and long-term (1-5 years) to anticipate major investments or changes in advance. 6. **Keep Track of Key Figures:** Monitor important metrics such as the monthly surplus/deficit, liquidity reserve, and coverage ratio of ongoing costs. Set targets for these metrics. 7. **Identify the Need for Action and Take Action:** Use the liquidity plan as an early warning system. If bottlenecks loom, take timely action, such as lowering costs, tapping into reserves, or exploring financing options. With these tips, the Auctoa liquidity planner becomes your indispensable partner for confident financial management.
The most common mistakes in real estate liquidity planning and how to systematically avoid them
Inadequate or flawed liquidity planning can quickly lead to financial difficulties for property owners, particularly for heirs or investors. Knowing the most common pitfalls helps to proactively avoid them. **Error 1: Underestimating additional costs and maintenance expenses.** Many focus only on the basic rent and loan payments. Operating costs, non-apportionable expenses, and especially the long-term maintenance reserve are often set too low. Our liquidity planner enables a detailed recording of all cost types. **Error 2: Lack of buffer for unforeseen events.** A water damage, a faulty heating system, or prolonged rental vacancy can severely strain liquidity if no adequate reserves are available. Always plan for a financial safety net. **Error 3: Ignoring one-time effects.** Large one-time payments such as inheritance tax, broker fees during purchase/sale, or extensive modernization costs must be considered in liquidity planning to avoid sudden shortages. **Error 4: Overly optimistic income expectations.** Vacancies between rentals or rental losses due to insolvent tenants should be realistically planned for. Overly optimistic assumptions about rental income lead to incorrect forecasts. **Error 5: Lack of regular review and adjustment.** A liquidity plan is not a static document. Market changes, interest rate adjustments, or personal circumstances require continuous updates. The Auctoa liquidity planner facilitates these adjustments. **Error 6: Insufficient consideration of tax aspects.** Rental income is taxable, interest on debts and depreciation can have a tax-reducing effect. A rough estimate of the tax burden or relief should be included in the planning. By being aware of these typical errors and consistently using our liquidity planner, you create a solid foundation for your financial security and avoid unpleasant surprises.
Property Valuation
Determine the value of your property
Strategy recommendation
Make informed decisions
Rehabilitation Analysis
Weighing costs and benefits
Ensuring Long-term Financial Stability: How the Liquidity Planner Revolutionises Your Future Planning
Financial stability is more than just covering current costs; it means forward planning and the ability to confidently manage future financial challenges and opportunities. The Auctoa Liquidity Planner is a key tool in achieving this goal, especially when real estate assets are involved. It allows you to look beyond the next month and develop a long-term financial strategy. **Proactive Asset Development:** By forecasting future cash flows, you can early identify when funds are available for reinvestment, modernization, or the acquisition of further properties. You can work towards savings goals and actively shape your asset development. **Risk Management:** The planner helps to identify potential financial risks such as rising interest rates, unexpected major repairs, or prolonged vacancies early on. Through simulations, you can assess these risks' impact on your liquidity and take preventative measures, such as building up higher reserves or adjusting your financing structure. **Preparation for Life Changes:** Whether retirement, career changes, or family developments – a solid liquidity plan gives you the assurance that your properties provide a stable financial foundation even in new life phases. You can simulate the effects of changed income or spending situations and make timely adjustments. **Foundation for Strategic Decisions:** Should a property be held and optimized for the long term? Is selling at a particular time sensible to release capital for other projects? The Liquidity Planner provides the necessary financial data to make well-informed strategic decisions. By not only managing but actively planning and designing your liquidity, you transform your real estate holdings from a potential burden into a reliable building block for your long-term financial freedom and security.
Case Study: Successful Liquidity Management of an Heir Community Thanks to Precise Planning with Auctoa
A community of heirs, consisting of three siblings (Personas: Novice Heir and Experienced Heir), inherited a multi-family house in a medium-sized city. The property was partially rented out, but also had a backlog of renovations. The heirs disagreed on the next steps: One heir argued for a quick sale, another wanted to keep and modernise the property, and the third was undecided. **Challenge:** Lack of transparency regarding the actual ongoing costs, potential rental income after renovation, and the financial burden for each heir. Emotional discussions complicated making a rational decision. **Solution:** The community used the Auctoa Liquidity Planner. Initially, all existing income and expenses were recorded in detail. Then, using the scenario function, various options were explored: **Scenario 1: Immediate sale.** This considered the estimated sales proceeds (based on an Auctoa basic valuation), applicable sales costs (broker, notary), and inheritance tax. The liquidity plan showed the net proceeds per heir. **Scenario 2: Hold and gradually renovate.** The costs for necessary renovations (roof, heating) were spread over three years, with potentially higher rental income after modernisation and ongoing costs projected. The plan showed the monthly liquidity burden or surplus for the community and per heir. **Result:** The liquidity plan provided a clear, data-driven basis for discussion. It became evident that while an immediate sale quickly released capital, holding and renovating – despite initial investments – would lead to higher steady returns in the long term. The visualisation of cash flows helped clarify the financial implications for each heir. The community chose to hold and renovate, and thanks to the plan, they were able to build the necessary reserves and manage the financing of the renovation measures jointly and transparently. The Auctoa Liquidity Planner significantly contributed to reaching consensus and successfully positioning the property for the future.
Excel spreadsheet vs. professional liquidity planner: Why the Auctoa liquidity planner for real estate is the superior solution
Many property owners and even some professionals rely on self-created Excel spreadsheets for liquidity planning. Although Excel is a versatile tool, it quickly reaches its limits with the complex matter of real estate liquidity planning. The Auctoa Liquidity Planner offers decisive advantages here: **1. Structure and Templates:** Our planner provides predefined structures and input fields tailored specifically to the needs of property owners. The risk of forgetting important cost items (e.g., non-allocatable ancillary costs, maintenance reserve) is minimized. With Excel, you have to painstakingly build and maintain everything yourself. **2. User-friendliness and intuitive operation:** The Auctoa Liquidity Planner is designed so that users without deep financial knowledge (such as "Novice Heirs") can quickly and easily enter their data and obtain meaningful results. Excel spreadsheets can quickly become confusing and error-prone, especially with complex formulas. **3. Scenario analysis and simulation:** More complex what-if analyses (e.g., interest rate increase, rent default, unexpected repair) are time-consuming to implement and prone to errors in Excel. Our tool offers built-in functions for easy simulation of various scenarios, enabling dynamic and forward-looking planning. **4. Automatic calculations and evaluations:** The Auctoa Liquidity Planner automatically performs complex calculations and presents the results in clear diagrams and reports. In Excel, the error-free creation and maintenance of formulas is time-consuming and requires expertise. **5. Integration with other tools:** Our liquidity planner can be seamlessly linked with other Auctoa services, such as property valuation or renovation calculator, to ensure a holistic planning process. Such integration is hardly achievable with standard Excel solutions. **6. Data security and access:** Your sensitive financial data is securely stored with Auctoa and can be accessed anytime, anywhere. Excel files on local computers pose risks concerning data loss or unauthorized access. **7. Regular updates and support:** Our tool is continuously developed and adapted to current market conditions. In addition, our support is available to assist you with any questions. You are responsible for your Excel spreadsheet. While Excel may suffice for simple overviews, the Auctoa Liquidity Planner offers a professional, secure, and significantly more powerful solution for comprehensive and reliable financial planning of your properties.
Data protection and trust: Your financial overview is in safe hands with the Auctoa liquidity planner
Planning your liquidity, especially in relation to valuable real estate, requires entering sensitive personal and financial data. At Auctoa, we understand that trust and data security are of utmost importance in this regard. Therefore, we have implemented comprehensive measures to ensure the protection of your information at all times. **Strict data protection standards:** We strictly adhere to the requirements of the European General Data Protection Regulation (GDPR) and the German Federal Data Protection Act (BDSG). Your data is processed solely for the use of the liquidity planner and the associated Auctoa services. **Secure data transmission and storage:** Any data transfer between your device and our servers is conducted using modern encryption technologies (SSL/TLS) to prevent unauthorized access during transmission. Your data is stored on secure servers in certified data centres that comply with the highest security standards. **Access controls and confidentiality:** Only you have access to your detailed financial plans. Our staff do not have direct access to your individual plan data unless you explicitly consent to it as part of a support request. All employees are committed to the strictest confidentiality. **Anonymised data for analysis:** If we use data for statistical analysis or to improve our algorithms, this is done solely in fully anonymised and aggregated form. There is no inference to individual users or their specific financial situation. **Transparent privacy policies:** Our privacy policies are clearly and understandably formulated. You can always trace what data we collect, how we process it, and what rights you have in this regard. **Regular security checks:** Our systems and processes are regularly checked internally and externally for security vulnerabilities to ensure consistently high security standards. We continually invest in the security of our platform. Your trust is the basis of our actions. With the Auctoa liquidity planner, you can be sure that your financial overview is not only precise and insightful but also created and managed in a secure and trustworthy environment.
