Free Start Up Hub planning tool

12-month startup cashflow planner

A cashflow forecast estimates when money enters and leaves your business. This planner models revenue, fixed costs, variable costs and an opening cash balance across 12 months, helping you identify when a new business may need extra working capital.

How this tool helps you plan

1. Enter your starting monthly revenue, growth assumptions and opening cash balance.
2. Add fixed operating costs and estimate variable costs as a percentage of revenue.
3. Compare monthly income, spending and the projected cash balance to identify potential deficits before discussing funding.

A forecast depends on the assumptions you enter. Actual receipts, payment dates, tax and operating costs may differ. This is a planning aid, not accounting advice, a lender affordability assessment or a finance offer.