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A narrow rill of water cut into a pale stone terrace, running towards open sea light. Two thirds along the water stops, and a slim violet light is set into the bed where it ends.

Cash flow forecast template

See how far your cash runs.

Try the planner
What the film shows, in words
  1. See how far your cash runs.
  2. USD 42,000 today. 18,500 in, 21,000 out. Lowest: 27,419 in month 5.
  3. A 25,000 instalment in month 6. Base case: 18 months and more.
  4. If receipts are 20% lower: cash runs out in month 11.
  5. If the instalment is six months late: month 7.
  6. Model the assumptions. Then choose the next step.

The month the channel closes

Step 1 of 4

The base case lasts. The downside ends in month 11.

ExampleIllustrative example. A model of these assumptions, not a forecast. Each step changes one input and keeps it. Nothing is saved or sent.

  1. Upsidereceipts 15% higher

    lasts 18+ months

  2. Base casethe figures as entered

    lasts 18+ monthsLowest USD 27,419, month 5.

  3. Downsidereceipts 20% lower

    runs out in month 11
  • upside, an outline
  • base case
  • downside, the core
  • the bed, dry
  • lowest base balance
  • a one-off: in from above, out below

Base case

It lasts 18+ months.

Lowest USD 27,419, in month 5. USD 57,826 in month 18.

Downside: receipts 20% lower

Month 10 closes at USD 3,467; month 11 at −USD 566.

It runs out in month 11.

Every month reconciles.

What the tool says at this step

  • Cash stays positive for 18 months in the base case.
  • In the downside, cash runs out in month 11.
  • Every month reconciles.
  • Not investment advice.A model of your assumptions, not a forecast of what will happen.

Now your cash, and your months.

Start from your cash today, add monthly receipts and payments with growth rates and any one-off items, and see the balance month by month in three scenarios. The planner shows your runway and reconciles every month so the numbers always add up.

Live

Arithmetic on your own figures. A model of your assumptions, not a forecast.

USD

Every amount carries the label USD, the label of the worked example. Working in naira, cedis or another currency? Name your label in “The context of this work” above and enter every figure in that one currency: nothing is converted.

USD
USD
Today USD 42,000Downside runs out in month 11
Lowest USD 27,419USD 25,000 inGrant instalmentUSD 4,800 outAnnual insuranceUSD 6,000 outLaptop replacement
123456789101112131415161718

The width is the closing balance. The full height of the cut is USD 120,000.

Today USD 42,000Downside runs out in month 11
Lowest USD 27,419
TodayMonth 9Month 18

The width is the closing balance. The full height of the cut is USD 60,000. The upside outline is left off at this size.

Month 5

  1. Upsidereceipts 15% higher

    lasts 18+ months

  2. Base casethe figures as entered

    lasts 18+ monthsLowest USD 27,419, month 5.

  3. Downsidereceipts 20% lower

    runs out in month 11
months
  • upside, an outline
  • base case
  • downside, the core
  • the bed, dry
  • lowest base balance
  • a one-off: in from above, out below

Choose a month on the channel, or focus the marker and use the arrow keys. Enter goes to “Money in” and “A cost”.

% a month
% a month
%
%

Scenarios scale monthly receipts only. A one-off, such as a grant instalment, arrives in full in every scenario.

Reading

Month 5Base case: the figures as entered

Opens atUSD 28,818 plus ReceiptsUSD 20,025 minus PaymentsUSD 21,423 equals Closes atUSD 27,419

Each figure is rounded to the dollar, so a line can look one dollar out. No one-off this month.

Add a one-off in month 5:

One-offs

  1. 01
  2. 02
  3. 03

The channel and these rows are one list. A cost carries a minus sign. Twelve one-offs at most; a row past the horizon is kept but not counted.

What the tool says

  • Cash stays positive for 18 months in the base case.
  • In the downside, cash runs out in month 11.
  • Every month reconciles.
  • Not investment advice.A model of your assumptions, not a forecast of what will happen.
18+ monthsrunway, base case
Month 11runway, downside
USD27,419lowest balance (month 5)
USD57,826balance in month 18
Closing cash balance by month (USD)
-21k13k48k83k117kM1M4M7M10M13M16M18
  • Base
  • Downside (receipts −20%)
  • Upside (receipts +15%)
Base case, month by month
MonthOpeningReceiptsPaymentsOne-offsClosing
Month 1USD 42,000USD 18,500USD 21,000–USD 39,500
Month 2USD 39,500USD 18,870USD 21,105–USD 37,265
Month 3USD 37,265USD 19,247USD 21,211−USD 4,800USD 30,502
Month 4USD 30,502USD 19,632USD 21,317–USD 28,818
Month 5USD 28,818USD 20,025USD 21,423–USD 27,419
Month 6USD 27,419USD 20,425USD 21,530USD 25,000USD 51,315
Month 7USD 51,315USD 20,834USD 21,638–USD 50,511
Month 8USD 50,511USD 21,251USD 21,746–USD 50,015
Month 9USD 50,015USD 21,676USD 21,855−USD 6,000USD 43,836
Month 10USD 43,836USD 22,109USD 21,964–USD 43,981
Month 11USD 43,981USD 22,551USD 22,074–USD 44,459
Month 12USD 44,459USD 23,002USD 22,184–USD 45,277
Month 13USD 45,277USD 23,462USD 22,295–USD 46,444
Month 14USD 46,444USD 23,932USD 22,407–USD 47,969
Month 15USD 47,969USD 24,410USD 22,519–USD 49,861
Month 16USD 49,861USD 24,899USD 22,631–USD 52,128
Month 17USD 52,128USD 25,397USD 22,744–USD 54,780
Month 18USD 54,780USD 25,904USD 22,858–USD 57,826

What it shows

  • Strength: Cash stays positive for 18 months in the base case.
  • Check: In the downside, cash runs out in month 11.
  • Strength: Every month reconciles.
  • Note: Not investment advice.A model of your assumptions, not a forecast of what will happen.
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One square stone basin in the rill: a steel spout feeds it from one side, a narrow slot with a violet glass plate lets water leave on the other, and the surface lies still between them.

How it works, and its limits.

Opening level, what comes in, what goes out, closing level. The rules are published so you can check every month yourself.

Method

  1. 01

    Each month: closing = opening + receipts − payments + one-offs; the next month opens at that close.

  2. 02

    Receipts and payments grow by their monthly rates; scenarios scale receipts down or up.

  3. 03

    Runway is the first month the closing balance falls below zero. Every month is reconciled.

What it cannot tell you

  • Timing matters: late payers and lumpy costs move runway more than averages show.
  • Tax, financing and currency are not modelled separately.
  • Not regulated investment or financial advice.

Quality ruleReconcile every period; not regulated investment advice.

Not investment advice. A model of your assumptions, not a forecast of what will happen.

The stone terrace from higher up: three parallel rills start at one edge and end at three different points, the shortest marked by a single violet light.

The same start, three lengths.

The planner shows what your assumptions imply. Testing those assumptions against your own records is work for a person.

Michael GagakumaTool owner

Book Michael · from USD 90

Where this goes next

Financial analysis, modelling & cash-flow scenariosService · 09 Data, analytics & automationManagement, board & investor reportingService · 09 Data, analytics & automation Separate cash-flow assumptions from facts in a scenario modelGuide 09 Data, analytics & automationPractice Workflow automation value calculatorFree toolKPI dictionary & dashboard plannerFree toolDonor reporting reconciliation workbenchFree tool

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