Planner
Cash-Flow Planner
Project cash in and cash out month by month so you can see the balance at the end of every month, and which month is tightest.
What you enter here becomes part of your startup plan, saved in this browser.
Your assumptions
Decides which setup and compliance items are flagged for local checking. Shared across all tools.
Display only — no amount is converted and no exchange rates are applied.
Savings, investment and loans already in the business account.
Cash you expect to collect in the first month.
Your own expectation. Leave at 0 for a flat projection.
Rent, salaries, software and other costs that do not move with sales.
Cost of goods, fees and delivery, as a percentage of revenue.
Equipment, deposits, setup fees and other one-time outlays.
Between 1 and 36 months.
Methodology
This is an estimate built from figures you entered. It is not a quote, a guaranteed cost or a financial projection.
What is included
- Revenue in month n = month 1 revenue × (1 + growth)^(n−1)
- Costs = fixed costs + revenue × variable share, plus your one-off spend in month 1
- Closing cash = previous closing cash + revenue − costs
What is excluded
- Payment terms and collection delays — revenue is treated as cash received in that month
- Tax timing, loan repayments and interest unless included in fixed costs
- Stock purchases held as inventory rather than expensed
Assumptions
- Growth applies evenly every month at the rate you entered
- Variable costs stay a constant share of revenue
- No further funding arrives during the projection