# P2PAgri
> Farm financial planning and forecasting software for Australian farmers and their advisers. Scenario analysis, monthly cash flow management, 5-year financial plans, Xero integration, and management reports your bank will accept. Founded by Mike Krause, a farm business consultant with 35+ years of experience and lead author of the GRDC "Farming the Business" manual.

## Key Facts
- Founded: 2017 (built on the methodology of the earlier "Plan to Profit" desktop software, in use since the late 1990s)
- Founder and CEO: Mike Krause, agricultural economist, 35+ years of farm business consulting
- Customers: 2,000+ Australian farm businesses, plus accredited farm business advisers and accountants
- Country: Australia only (en-AU). Suits broadacre cropping, livestock (cattle and sheep), horticulture, viticulture and mixed enterprises in every state
- Pricing (AUD, inc GST): Essentials free; Season $89 a month or $979 a year; Future $135 a month or $1,485 a year
- Free plan: the Essentials tier is permanently free, no credit card, and includes the Management P&L, Balance Sheet, key bank ratios with trend charts, and basic Xero connection for P&L and Balance Sheet data
- Integrations: Xero (certified app on the Xero App Store), MYOB (import), Excel and CSV import
- Education partners: GRDC, NSW Department of Primary Industries, Melbourne University, Adelaide University, Curtin University, Charles Sturt University, Tocal NSW (Plan to Profit short course)
- Publications: lead authorship of the GRDC "Farming the Business" manual and eBook, seventh reprint, used by undergraduate and TAFE farm business courses nationwide
- Contact: 1300 42 30 30, support@p2pagri.com.au
- Marketing site: https://p2pagri.com.au
- Product app: https://platform.p2pagri.com.au
- Sitemap: https://p2pagri.com.au/sitemap.xml

## What P2PAgri does
P2PAgri turns farm bookkeeping data into management information. It complements, rather than replaces, accounting software like Xero or MYOB. It produces a Management P&L, Balance Sheet, monthly cash flow with planned versus actual tracking, gross margin per crop and per livestock enterprise, 5-year financial plans, scenario analysis (what-if modelling for land purchases, drought, rotation changes, lease versus buy, succession), and the key bank ratios lenders use for credit assessment: equity ratio, debt servicing ratio, interest cover, return on assets managed. Farmers and their accredited advisers work on the same data.

## About
- [About P2PAgri](https://p2pagri.com.au/about): Company background, founder Mike Krause, 35+ years helping Australian farmers
- [Pricing](https://p2pagri.com.au/pricing): Free Essentials, $89/month Season, $135/month Future, with annual options
- [For Farmers](https://p2pagri.com.au/farmers): How P2PAgri helps farmers plan, track and analyse the business
- [For Advisers](https://p2pagri.com.au/advisers): Accredited adviser training, unlimited client accounts, listing in the adviser directory
- [Contact](https://p2pagri.com.au/contact): Phone 1300 42 30 30, email support@p2pagri.com.au

## Features
- [Feature Overview](https://p2pagri.com.au/features): Index of every P2PAgri feature
- [Scenario Analysis](https://p2pagri.com.au/features/scenario-analysis): What-if modelling for farm decisions, compared side by side over five years
- [Cash Flow Planning](https://p2pagri.com.au/features/farm-cash-flow-planning): Monthly cash flow budget, planned versus actual, Xero actuals in one import
- [Farm Dashboard](https://p2pagri.com.au/features/farm-dashboard): KPI dials for the key bank ratios with multi-year trends, paddock map, season summary
- [Financial Reports](https://p2pagri.com.au/features/farm-financial-reports): Management P&L, Balance Sheet and 30+ reports for banks, accountants and advisers
- [Crop Gross Margin](https://p2pagri.com.au/features/crop-gross-margin): Per-hectare profitability by crop and paddock
- [Crop Marketing](https://p2pagri.com.au/features/crop-marketing): Plan and track grain sales by paddock and pool
- [Livestock Management](https://p2pagri.com.au/features/livestock-management): Head counts, gross margins, stocking rates, DSE
- [Pasture Management](https://p2pagri.com.au/features/pasture-management): Pasture growth, feed budget, paddock rotations
- [Multi-Product Crops](https://p2pagri.com.au/features/multi-product-crops): Hay, malt, grain and split-product revenue tracking
- [Farm Mapping](https://p2pagri.com.au/features/farm-mapping): Paddock boundaries with satellite imagery overlay
- [Paddock Import](https://p2pagri.com.au/features/paddock-import): Import paddock boundaries from shapefile, KML, KMZ or GeoJSON exports (Agworld, Back Paddock, Google Earth, yield maps)
- [Rainfall Tracking](https://p2pagri.com.au/features/rainfall-tracking): Record rainfall by paddock and track water use efficiency
- [Accounting Import](https://p2pagri.com.au/features/accounting-import): MYOB and CSV import, ATO-friendly chart of accounts
- [Xero Integration](https://p2pagri.com.au/features/xero-integration): Certified Xero app; trial balance, monthly actuals and chart of accounts
- [AI Assistant](https://p2pagri.com.au/features/ai-assistant): Plain English financial questions against your own farm data
- [Adviser Collaboration](https://p2pagri.com.au/features/adviser-collaboration): Secure data sharing with accountants and consultants
- [Mobile Farm Management](https://p2pagri.com.au/features/mobile-farm-management): Check cash flow, record sales and update livestock numbers from a phone or tablet; runs in any browser
- [Guided Walkthroughs](https://p2pagri.com.au/features/guided-walkthroughs): Step by step walkthroughs of every screen, on your own farm data
- [Training Videos](https://p2pagri.com.au/features/training-videos): On-demand training library
- [Training and Support](https://p2pagri.com.au/features/training-and-support): Support, onboarding, and the Plan to Profit course at Tocal

## Use Cases and Guides
- [Understand Your Farm Numbers](https://p2pagri.com.au/understand-your-farm-numbers): Turn the financials into plain English answers and bank ratios you can act on
- [Improve Farm Profitability](https://p2pagri.com.au/improve-farm-profitability): See which enterprise, crop and paddock makes money and which drains it, through the season rather than at tax time
- [Get Finance Ready](https://p2pagri.com.au/finance-ready): What lenders assess, how to sort the numbers, and how to present for a better rate and terms
- [Farm Financial Management](https://p2pagri.com.au/farm-financial-management): Budgets, actuals, reports and bank ratios in one place and current all year
- [Get the Best Deal from Your Bank](https://p2pagri.com.au/best-deal-from-bank): Use financial planning to negotiate better lending terms, with Tony Hudson's banking guide as a download
- [Farm Business Plan for the Bank](https://p2pagri.com.au/farm-business-plan-for-bank): How to prepare a bank-ready plan, with a free 12-page Farm Business Plan Template (PDF)
- [Drought Planning](https://p2pagri.com.au/drought-planning): Model drought scenarios before the season, set trigger points, present a risk plan to the bank
- [Succession Planning](https://p2pagri.com.au/succession-planning): Model debt serviceability and 5-year projections for different transition structures
- [Compare Farm Software](https://p2pagri.com.au/compare-farm-software): How P2PAgri compares with Agrimaster, Figured, Xero, MYOB and spreadsheets
- [Case Studies](https://p2pagri.com.au/case-studies): Farmers and advisers using P2PAgri
- [Find an Adviser](https://p2pagri.com.au/find-advisers): Directory of accredited P2PAgri advisers across Australia
- [Product Updates](https://p2pagri.com.au/product-updates): What shipped in each platform release

## Articles (28, newest first)
Practical, Australian, and written by Mike Krause unless stated. Figures are dated in the text.
- [Lease or Buy? Comparing Land Deals on Return, Not on Rent](https://p2pagri.com.au/resources/lease-or-buy-farmland-australia): Most farmers ask whether they can afford the repayments. The first question is whether the land earns its keep at the price being asked, and whether leasing would buy the same production for less capital. ABARES puts... (September 2026)
- [What Supplier Trade Credit Actually Costs You (Compared With an Overdraft)](https://p2pagri.com.au/resources/trade-credit-vs-overdraft-farm-australia): Most of what ranks for farm input finance was published by someone who wants to lend you money, and the neutral arithmetic is rarely shown. A settlement discount and a price premium give two different answers, because... (September 2026)
- [How to Build a Farm Cash Flow Forecast: A Season-by-Season Guide for Australian Farms](https://p2pagri.com.au/resources/how-to-build-farm-cash-flow-forecast): Ask an AI assistant how to build a farm cash flow forecast and you get something written for Illinois or Herefordshire, with the year upside down and no mention of GST. This is the Australian version: seven steps, the... (August 2026)
- [Agrimaster Alternatives for Australian Farms (2026)](https://p2pagri.com.au/resources/agrimaster-alternatives-australia): The real Agrimaster alternatives for Australian farms in 2026: P2PAgri, Figured, Phoenix and Xero compared on price, cloud access and planning depth. (August 2026)
- [Farm Accounting vs Farm Financial Planning Software](https://p2pagri.com.au/resources/farm-accounting-vs-farm-financial-planning-software): Farm accounting software records what already happened; farm financial planning software models what happens next. Why Australian farms need both. (July 2026)
- [How WA Grower Lisa Jeitz Runs Six Farm Scenarios in a Day](https://p2pagri.com.au/resources/lisa-jeitz-scenario-planning-case-study): Esperance grain grower Lisa Jeitz used to spend two weeks building farm budget scenarios in a spreadsheet. With P2PAgri alongside Xero she now models five or six scenarios in a day, and makes faster, better-informed... (July 2026)
- [EOFY Tax Planning for Farmers: The Levers to Pull Before 30 June 2026](https://p2pagri.com.au/resources/eofy-tax-planning-for-farmers): The 2025-26 financial year ends on 30 June, and primary producers have tax levers most businesses do not: Farm Management Deposits, income averaging, and immediate write-offs for fencing and fodder storage. This guide... (June 2026)
- [Planning Your Farm for El Niño 2026: 4 Financial Scenarios](https://p2pagri.com.au/resources/el-nino-farm-planning-2026): The Bureau of Meteorology expects El Niño by winter 2026. The 2018-19 event cut Australian farm cash income 41%. Run these four financial scenarios now. (May 2026)
- [Farm Business Plan Template: What to Include and Why Your Bank Will Thank You](https://p2pagri.com.au/resources/farm-business-plan-template): Most Australian farmers do not have a current business plan, yet every bank, RIC application, and succession conversation needs one. This guide walks through the seven sections of a strong farm business plan, what banks... (May 2026)
- [Managing Farm Input Costs When Everything Keeps Rising: A Practical Guide](https://p2pagri.com.au/resources/managing-farm-input-costs-practical-guide): Input costs are the number one concern for Australian farmers in 2026, with urea prices doubling and diesel above $2.25/L. This practical guide breaks down where your money actually goes, how to calculate your... (April 2026)
- [Farm Debt in 2026: How to Know If Your Borrowing Is Healthy (and How to Negotiate Better Terms)](https://p2pagri.com.au/resources/farm-debt-2026-healthy-borrowing): Australian farm debt has hit record levels, but half of all broadacre farmers carry little or no debt. The real question is whether your debt servicing is sustainable. Three key ratios tell you where you stand, and... (April 2026)
- [Should You Buy That Farm Next Door? A Financial Framework for Land Purchase Decisions](https://p2pagri.com.au/resources/should-you-buy-that-farm-next-door): With Australian farmland at record highs, the maths of buying land has changed dramatically. This financial framework walks you through the five questions to answer before signing anything - and how to model the... (March 2026)
- [How to Benchmark Your Farm Business: The Numbers That Actually Matter](https://p2pagri.com.au/resources/how-to-benchmark-your-farm-business): Benchmarking is the most underused tool in farm management. These six financial ratios tell you whether your business is getting stronger or weaker - and where the real opportunities for improvement are hiding. (March 2026)
- [Iran Fuel Crisis and Australian Farm Costs: What the Numbers Actually Show](https://p2pagri.com.au/resources/iran-fuel-crisis-australian-farm-costs): With diesel prices surging past $2.25/L and supply shortages hitting regional Australia, we break down what the Strait of Hormuz crisis actually means for farm operating costs — and why supply availability matters more... (March 2026)
- [Water Use Efficiency Calculator for Grain Growers (WUE)](https://p2pagri.com.au/resources/water-use-efficiency-calculator-grain-growers): Water Use Efficiency has long been a cornerstone measure for grain growers in dryland farming systems. Learn how WUE helps assess performance, refine management practices, and improve productivity. (February 2026)
- [P2PAgri 2025 Year in Review: Advancing Farm Financial Management with AI and Precision Tools](https://p2pagri.com.au/resources/p2pagri-2025-year-in-review-farm-financial-management): A comprehensive look at everything new in P2PAgri in 2025, including AI-powered expense categorisation, accounting integrations, livestock management, precision mapping, and more. (December 2025)
- [2026 Farm Business Planning: Managing Financial Pressure and Input Costs](https://p2pagri.com.au/resources/smart-moves-for-2026-fresh-food-for-thought-in-farm-planning): Comprehensive analysis of Australian agricultural economics covering RBA cash rate impacts, commodity price trends, regional variations, and practical strategies for 2026. (January 2026)
- [Rural Banking – Beyond the Royal Commission](https://p2pagri.com.au/resources/rural-banking-beyond-the-royal-commission): Mike Krause discusses post-Royal Commission banking changes and favourable economic conditions for farmers, including interest rate negotiation strategies. (March 2020)
- [Expand Your Farm Business or Invest Off-Farm? Compare for Profitability](https://p2pagri.com.au/resources/expand-your-farm-business-or-invest-off-farm-compare-for-profitability): A framework for comparing farm expansion strategies against alternative investments, emphasising liquidity, efficiency, and wealth measures. (November 2019)
- [Using Target Price & Target Yield to Help Determine Target Profit](https://p2pagri.com.au/resources/using-target-price-target-yield-to-help-determine-target-profit): Analysis of your tactical Target Yield and Target Price this season can help drive your farm business profitability goals. (September 2019)
- [Securing Farm Finance: What the Banking Royal Commission Means for You](https://p2pagri.com.au/resources/securing-farm-finance-what-the-banking-royal-commission-means-for-you): How farms should proactively prepare for potential credit tightening post-Banking Royal Commission, and what banks assess when reviewing loan applications. (June 2019)
- [Your Farm Business Journey: Tracking Your Goals and Progress](https://p2pagri.com.au/resources/your-farm-business-journey-tracking-your-goals-and-progress-p2pagri): Framing farm management as a journey requiring four key decisions: determining goals, assessing position, planning routes, and measuring progress. (April 2019)
- [Evaluating the Economics of Export Hay in Selected Farming Systems](https://p2pagri.com.au/resources/evaluating-the-economics-of-export-hay-in-selected-farming-systems): Analysis of export hay’s financial benefits across farming systems in South Australia and Western Australia. (February 2019)
- [Are You in the Driver’s Seat in Your Farm Business?](https://p2pagri.com.au/resources/are-you-in-the-drivers-seat-in-your-farm-business): The importance of end-of-season assessments tracking paddock results, cash flow, gross margins, and profit & loss reporting. (November 2018)
- [Knowing Your Cost of Production: A Risk Management Tool for the Farm Business](https://p2pagri.com.au/resources/knowing-your-cost-of-production-a-risk-management-tool-for-the-farm-business): Why cost of production knowledge is critical for farmers as price takers, and how it informs rotation and profitability decisions. (September 2018)
- [Are You Making the Most of Your Tax Return Information?](https://p2pagri.com.au/resources/are-you-making-the-most-of-your-tax-return-information-2): How farmers can leverage tax return information beyond compliance for business management insights, trend analysis, and performance measurement. (July 2018)
- [P2PAgri’s Launch at SPAA Conference!](https://p2pagri.com.au/resources/p2pagris-launch-at-spaa-conference): Announcing P2PAgri’s launch at the Society of Precision Agriculture Australia’s 20th National Conference at Sydney University. (April 2018)
- [Farming the Business GRDC Manual for Farmers and Advisers](https://p2pagri.com.au/resources/farming-the-business-manual-p2pagri-developed-for-grdc): The release of Farming the Business, a comprehensive farm business management manual developed by P2PAgri for the Grains Research Development Corporation. (February 2018)

## Podcast: Your Farm Business Podcast
- [All episodes](https://p2pagri.com.au/podcasts): Farm consultants, economists and farmers, also on Apple Podcasts and Spotify
- [Farm Lending After the Royal Commission with Matt O'Dea](https://p2pagri.com.au/resources/farm-lending-after-the-royal-commission): Since the Hayne Royal Commission, more than one in three regional bank branches have closed and credit decisions have moved to centralised city teams. Former... (August 2026)
- [Know Your Numbers: Inside the Farm Office of a 6,500ha Esperance Cropper](https://p2pagri.com.au/resources/know-your-numbers-lisa-jeitz): How does a 6,500 hectare Esperance cropping business keep its numbers sharp? Farmer and former farm business consultant Lisa Jeitz joins P2PAgri founder Mike... (July 2026)
- [What Banks Really Look For When Lending to Farmers](https://p2pagri.com.au/resources/what-banks-look-for-when-lending-to-farmers): When the bank says yes, does that make it a good decision? P2PAgri founder Mike Krause joins host Tom Moir to reveal how banks really assess farm lending: what... (July 2026)
- [What Really Motivates Your Accountant (And Why It's Not Your Profit)](https://p2pagri.com.au/resources/what-motivates-your-accountant): Most farmers judge their accountant on how little tax they paid, but that may not mean the business is healthy. P2PAgri founder Mike Krause joins host Tom Moir... (July 2026)
- [Farm Succession Planning: Why Fair Doesn't Mean Equal](https://p2pagri.com.au/resources/farm-succession-fair-doesnt-mean-equal): Why does being fair in farm succession rarely mean splitting everything equally? P2PAgri founder Mike Krause joins host Tom Moir to share three decades of... (June 2026)
- [What Is P2PAgri? Modelling Your Farm's Future with Mike Krause](https://p2pagri.com.au/resources/what-is-p2pagri): What does P2PAgri actually do? Founder Mike Krause joins host Tom Moir to explain how Plan to Profit Agri helps Australian farmers model the big decisions -... (June 2026)
- [From Wheat Fields to AgTech: The Story Behind P2PAgri](https://p2pagri.com.au/resources/from-wheat-fields-to-agtech): P2PAgri founder Mike Krause joins host Tom Moir to trace his journey from wheat-breeding glasshouses at Roseworthy Ag College to building one of Australia's... (May 2026)
- [Economic Outlook for 2023 with Darryl Gobbett](https://p2pagri.com.au/resources/economic-outlook-for-2023-with-darryl-gobbett): Economist Darryl Gobbett discusses commodity prices, interest rates, inflation, and agricultural market conditions for 2023. (February 2023)
- [Thinking About Succession Planning with Mike Krause](https://p2pagri.com.au/resources/thinking-about-succession-planning-with-mike-krause): Mike Krause discusses succession planning importance for farming families, covering management and asset transfer between generations. (October 2022)
- [Ukraine and Omicron Impact on Farmers](https://p2pagri.com.au/resources/ukraine-and-omicron-impact-on-farmers): Darryl Gobbett shares his thoughts on the economic impact of the Russian invasion of Ukraine and the Omicron pandemic on Australian farming. (April 2022)
- [Peter Aikman: A Farm Business Journey](https://p2pagri.com.au/resources/peter-aikman): Peter Aikman discusses his journey improving farm financial literacy using P2PAgri software and the benefits of structured business management. (March 2022)
- [Farm Business Info: Easier & More Powerful](https://p2pagri.com.au/resources/phil-dibben): Phil Dibben from Financial Services South Australia discusses the benefits of P2PAgri for advisers and farmer clients. (December 2021)
- [Farm Succession Planning 3: How to Avoid the Pitfalls?](https://p2pagri.com.au/resources/judy-wilkinson-3): Judy Wilkinson shares how to avoid common succession planning pitfalls in the final part of this three-part series. (November 2021)
- [Farm Succession Planning 2: Best Process?](https://p2pagri.com.au/resources/judy-wilkinson-2): Judy Wilkinson discusses the best processes for farm succession planning in part two of this three-part series. (October 2021)
- [Farm Succession Planning 1: When to Get Started?](https://p2pagri.com.au/resources/judy-wilkinson): Judy Wilkinson explains why succession planning matters and when farming families should get started. (October 2021)
- [Interest Rates and Your Farm Business](https://p2pagri.com.au/resources/darryl-gobbett): Economist Darryl Gobbett discusses long-term interest rate trends and what they mean for farm business financing decisions. (September 2021)
- [5 Challenges Facing Farm Businesses Today](https://p2pagri.com.au/resources/podcast01): Tony Hudson from Hudson Facilitation identifies succession planning, rising land values, managing uncertainty, improving management systems, and banking... (August 2021)
- [‘The Family Farm as a Business’: Mike Krause Interview with Neil Tuckwell](https://p2pagri.com.au/resources/the-family-farm-as-a-business-mike-krause-interview-with-neil-tuckwell-of-your-business-mentor): Mike Krause discusses why the Farming the Business manual and eBooks are essential resources for farm business management. (July 2021)

## Trust and Authority
- [Farming the Business (GRDC manual)](https://p2pagri.com.au/farming-the-business): Lead authorship of the GRDC-commissioned farm business management manual, seventh reprint, taught in universities and TAFEs
- [Fact Sheets](https://p2pagri.com.au/fact-sheets): GRDC-aligned quick reference sheets for cash flow, gross margin, debt ratios and more
- [Events](https://p2pagri.com.au/events): Plan to Profit courses and workshops
- NSW Department of Primary Industries: P2PAgri is the case-study tool in the NSW DPI Farm Business Resilience Program video
- Melbourne University: endorsed by Prof. Bill Malcolm (Faculty of Veterinary and Agricultural Sciences)
- Universities: used in agricultural programs at Melbourne, Adelaide, Curtin and Charles Sturt
- Tocal NSW: Plan to Profit short course delivered with Tocal Ag College