For Farmers
Finally Understand Your Farm Numbers, in Plain English
A tax return tells you what you earned, not how your farm is really tracking or why. P2PAgri turns your numbers into plain-English answers, so you know exactly what is working and what to fix first.
Why Your Tax Return Won't Tell You How the Business Is Really Going
A tax return is built to work out what you owe the ATO, not to show how your farm is performing or why. It looks backwards, follows tax rules rather than management decisions, and usually lands months after those decisions were made. To understand your farm numbers, you need management accounting, not just tax accounting.
So the questions that matter most go unanswered. Are you doing well, or just busy? Which enterprise is carrying the farm and which one is quietly costing you? How much of the business do you really own once the debt is counted? When the bank starts talking about your equity ratio, return on assets or interest cover, it can feel like another language, and it is easy to nod along and run the place on gut feel instead.
The farmers who make confident decisions are the ones who can read their own numbers. They know their strengths and weaknesses, they can see where the money is leaking, and they know what to fix first. That clarity is learnable, and it does not require an accounting degree.
Your goal: understand my numbers
How to Understand Your Farm Numbers, Step by Step
Understanding your numbers puts you ahead of the game. This is the path from a stack of figures to a clear read on your business, using the tools on this site.
Step 1 of 5
1Learn the fundamentals with a course like Plan to Profit
Understanding your numbers puts you ahead of the game. P2PAgri's Plan to Profit online course and the Farming the Business manual set the foundation, in plain language and at your own pace.
Explore Plan to Profit training
Mike Krause with Farming the Business, the GRDC manual now in its 7th reprint Step 2 of 5
2Set up an efficient recording and management system
An efficient recording system feeds seamlessly into your planning, and P2PAgri is built to do exactly that. Connect Xero, or import from MYOB, Phoenix or Agrimaster, and the numbers arrive ready to read.
See the Xero integration
Your actuals flow in from Xero with one click Step 3 of 5
3Stress-test your business with scenario analysis
Know your stresses before they happen. P2PAgri's financial modelling shows you how your business performs under pressure, such as a drought or a price fall, while it is still hypothetical.
See scenario analysis
See how each strategy holds up before you live through it Step 4 of 5
4Develop and act on a business plan
Give your team a document that leads them to success. Build it with P2PAgri's business planning template: goals, numbers and actions in one place.
Get the business plan template
The plan behind the plan: your season budgeted month by month Step 5 of 5
5Keep reporting discipline strong
Understanding your numbers comes from doing: recording, revising and responding. Make plan-monitor-review a habit and the numbers start answering your questions.
See the financial reports
Over 40 built-in reports keep the review habit easy
Free Essentials plan. No credit card, no time limit.
How P2PAgri Helps You Understand Your Farm Numbers
Your farm financials turned into plain-English understanding, not just another report, using the same management accounting approach taught in the GRDC “Farming the Business” farm business management manual.
Management reports, not just tax
See a Management P&L and Balance Sheet built to show how your business is really performing, separate from what your tax return says.
Bank ratios in plain English
Equity ratio, return on assets, interest cover and more, shown as visual dials so you can tell at a glance whether a number is healthy or a warning sign.
Build a stronger bank applicationA dashboard that gives you the snapshot
One screen shows your strengths, your weak spots and where to focus, instead of pages of figures you have to decode.
See the farm dashboardAsk questions in plain English
The built-in AI assistant answers farm-business questions in everyday language, so you can ask "is my equity ratio good?" and get a straight answer.
Meet the AI assistantSee the trend over the years
Watch how each KPI has moved season to season, so you can tell whether you are improving or sliding before it becomes a problem.
Backed by real training
In-app help videos, formal training and support, and a method developed with GRDC and used in university ag programs.
Training and supportWhat Do Farm Bank Ratios Actually Mean? A Plain-English Guide
Each ratio answers a simple question about your farm. P2PAgri shows every one as a visual dial with a plain-English read on whether it is healthy, so you do not have to memorise the formulas.
- Equity ratio
- how much of the farm you own once debt is counted. Higher is stronger.
- Return on assets (ROA)
- the profit your farm generates relative to what it is worth. It shows how hard your assets are working.
- Interest cover
- whether your profit comfortably covers your interest bill. A higher number means more breathing room.
- Debt servicing
- whether your cash flow can meet loan repayments without strain.
- Liquidity
- whether you can cover short-term commitments as they fall due.
Built on Methodology Farmers and Universities Trust
This is not financial theory dressed up for farmers. The P2PAgri approach comes from more than 35 years of farm business consulting by founder Mike Krause, 234+ workshops delivered, and three published books, and it was developed in partnership with the Grains Research and Development Corporation (GRDC) for the “Farming the Business” manual, now in its 7th reprint in a decade.
The same approach is used in agricultural programs at the University of Melbourne, University of Adelaide, Curtin University and Charles Sturt University, features in an NSW DPI case study, and is endorsed by Professor Bill Malcolm of the University of Melbourne. More than 2,000 Australian farms already use P2PAgri to make sense of their numbers.
What Farmers Say About Reading Their Own Numbers
“From P2PAgri, I've been able to get a snapshot of my business and understand my strengths and weaknesses and the areas I need to work on. The key point I love about P2PAgri that I've never seen in any other program is the ability to do forward projections and future scenario analysis. To me, that's the strength of the program that nothing else has - the ability to plug in a property or machinery purchase and in five minutes you can see what impact that has on your business over time.”
“I got a lot out of the course and P2P software. Mike has great knowledge of the key profit drivers in a farming business and how we are best to measure and benchmark them. Highly recommend.”
Start Reading Your Own Farm Numbers Today
With P2PAgri your numbers turn into plain-English answers: where you are strong, where the money is leaking, and what to fix first. Start free, no credit card, no time limit.
No credit card required. Start with our free Essentials plan.