If you were a Finmark user, you already felt it. On April 1, 2026, BILL officially sunset the product. The dashboards you built, the models you maintained, the forecasts you relied on — all gone, absorbed into a larger platform that was never really about you.
The story is familiar by now. BILL acquired Finmark in 2022 for its team and technology, spent a few years folding what it wanted into its own ecosystem, and then retired the standalone product. The people who depended on Finmark for day-to-day financial planning were left to find a new home.
Here's the good news: the tool that replaces Finmark doesn't have to be a compromise. It can be a significant step up from what Finmark ever offered. That tool is RunSmart by Projection Genie — and this article explains exactly why.
What Finmark Got Right — And Where It Stopped Short
Finmark served a real need. Small businesses have always needed genuine financial planning and analysis tools at a price that doesn't require a finance department to justify. Finmark offered a useful set of capabilities toward that end — revenue modeling, expense tracking, scenario comparison, and runway calculation packaged for startups and small businesses that couldn't afford enterprise platforms.
But Finmark was, at its core, a planning layer. It helped you model what might happen. What it didn't do was connect that planning to a complete, rigorous financial picture of your business — historical and projected — built on verified accounting data and powered by genuine statistical forecasting rather than manual assumptions.
That's the gap RunSmart was built to fill.
RunSmart Isn't a Finmark Clone. It's an Upgrade.
Most of the tools positioning themselves as Finmark replacements are trying to match what Finmark did. RunSmart does considerably more. Here's what sets it apart.
It Connects Directly to QuickBooks — and Keeps Your Books Where They Are
RunSmart integrates natively with QuickBooks Online, pulling your historical financial data automatically. No CSV uploads, no manual data entry, no rebuilding your numbers from scratch. And critically, RunSmart does not try to replace your accounting system. Your books stay in QuickBooks, your accountant keeps working the way they always have, and RunSmart sits on top — adding the forward-looking intelligence that accounting software alone was never designed to provide.
That's how financial planning is supposed to work: planning sits on top of accounting, it doesn't rip it out and start over.
It Forecasts with Real Statistical Algorithms — Not Guesswork, Not AI Hype
This is the heart of what makes RunSmart different. Its forecasts are generated by proprietary statistical algorithms built by a team of financial analysts, mathematicians, and statisticians. These are not manual assumptions you punch into a spreadsheet, and they are not black-box AI language models prone to making things up.
They are deterministic, auditable, defensible forecasting models that learn from your business's actual historical patterns and project them forward — with confidence bounds that show you the realistic range of where your business is likely to land. When a lender, an investor, or your own board asks how you arrived at a projection, you have a real answer.
It Produces a Complete 3-Statement Financial Model
Finmark focused heavily on the P&L. RunSmart produces fully integrated, linked projections across all three financial statements — income statement, balance sheet, and cash flow statement — for up to five years forward. Change one assumption and it flows through all three statements automatically. This is the kind of modeling that enterprise FP&A platforms charge tens of thousands of dollars a year to deliver, and RunSmart brings it to businesses at a fraction of that cost.
It Grades Your Business Health Against Your Industry
RunSmart calculates a Business Health Scorecard across five dimensions — capitalization, efficiency, profitability, liquidity, and solvency — measuring 13 individual metrics between them and benchmarking each against your industry peers with clear letter grades. It calculates these grades for your historical performance and your forecasted performance, so you can see not just where you stand today but where your current trajectory is taking you.
It Plans Your Workforce — Your Largest Expense
RunSmart includes a complete workforce planning module that most planning tools don't offer at all. Model individual employees with their compensation, raises, start and end dates, and payroll taxes. Add future hires and see their full cost impact. Visualize your org structure at any point in time — past or future — with a dynamic org chart that changes as your team evolves. For most businesses, payroll is the single largest expense line, and RunSmart models it at the employee level rather than treating it as one rough number.
It Runs Scenarios Automatically
Base, Bull, and Bear forecasts are generated automatically as statistical confidence bounds — showing you the realistic high and low range of where your business is likely to perform, not just an arbitrary percentage you guessed at. This is scenario analysis grounded in your actual financial behavior.
Built for More Than Just Founders
Finmark was largely a founder's tool. RunSmart serves a broader set of users from the same platform:
- Business owners who want to understand and plan their financial future without hiring a CFO
- Bookkeepers and accountants who can manage and monitor multiple clients from a single portfolio view, deliver branded monthly reports automatically, and offer financial advisory services without adding hours to their week
- Fractional CFOs who need to produce sophisticated financial models for multiple clients efficiently
- SaaS founders who need forward-looking financial intelligence built from their actual revenue and expense data
The portfolio view in particular makes RunSmart a genuine practice-management platform for accounting professionals — something Finmark never offered.
What to Look for in a Finmark Replacement
Whatever you choose, make sure it does these things. RunSmart does all of them.
It imports your existing data without csv files. RunSmart connects directly to QuickBooks Online and pulls your financials automatically. No days-long onboarding, no consultant required.
It doesn't force you to switch accounting systems. Your books stay in QuickBooks. RunSmart adds planning and analysis on top — the correct architecture for financial planning.
It gives you more than a P&L. Full 3-statement modeling, health scorecards, workforce planning, and statistical forecasting — not just a profit and loss projection.
It produces output you can actually use. Professional reports you can share with clients, lenders, and investors — generated automatically, branded to your firm or your business.
The Bottom Line
When Finmark disappeared, it didn't take the underlying need with it. Every business that relied on Finmark still has to forecast cash flow, plan for growth, model hiring decisions, and understand where its numbers are heading. That work doesn't stop because a product was retired.
If you're a former Finmark user, the worst thing you can do is retreat to a spreadsheet and give up the forward visibility you had. The second worst thing is to replace Finmark with a tool that merely matches what it did. You have an opportunity to upgrade — to a platform with verified data integration, genuine statistical forecasting, complete 3-statement modeling, workforce planning, and industry-benchmarked health grades.
That platform is RunSmart.
Pick Up Where Finmark Left Off — and Then Some
RunSmart gives you everything Finmark did and considerably more. Connect your QuickBooks account, and let RunSmart's statistical algorithms turn your financial data into a complete forward-looking picture of your business.
Learn more about RunSmart at projectiongenie.com/runsmart
