Cashflow Calculator

For any business "CASH IS KING" and is key for your business plan. Many businesses that go bust are profitable but if you have no cash you can not survive.

A cash flow analysis shows your income and expenses and determines what investment you need to ensure your business survives in the first year and is integral for your business plan. The calculator below will help you to categorise your income and expenses expenses and will show you whether or not you are spending more than you make.

Use this as an initial guide. You should set these categories up yourself and produce a cash flow analysis month by month to see exactly what investment you need on a monthly basis.

Be absolutely honest and over estimate your costs. Your small business will not go absolutely to plan so plan for uncertainty.

INCOME
Sales receipts - Year 1 (full 12 months)		If your business is not a cash business and you rely on companies to pay you, then only put in your first 10 months of sales (and assume months 11 & 12 will be paid in the next year)
Other Income		Enter any extra monthly income you might receive, royalties, etc.
SET-UP FIXED COSTS Add in costs to set up your business. These are costs before you start trading.
Domain name, website & optimisation		A minimum of £750
Vehicle purchase		Remember this is cashflow. If you buy on credit, just add the deposit.
Premises deposit, 1st quarter rental
Stock purchase
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Initial marketing		Example, yellow pages, local ads, premises outfitting etc
Company Identity set-up		Stationery costs, telephone installation, mobile purchase,
YEAR 1 ONGOING COSTS
Insurance		Liability, premises, director & staff sickness
Trade subscriptions, magazines
Vehicle expenses
Premises costs		For example, rental, electricity, telephone
Wages & salaries incl. NI
Accountancy
Marketing costs
Stationery
Travel & entertaining
Pension & medical costs
Subsistence
Stock purchase
Any other costs
Click this button to calculate the total.
Total Income
Total Costs
Net income (expenses)		If this is negative, this is the investment you will need in your first year to break-even

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Cashflow Calculator

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