Practical planning tool

See the cash gap before it becomes a crisis.

Plan when money will actually reach and leave the bank over the next 12 months. Change the assumptions, spot a shortfall and export a forecast you can revisit with your team or adviser.

Kept on this device

Saved automatically as you type

Cash received

£0

Cash paid out

£0

Lowest cash balance

£0

First cash shortfall

None forecast

No negative month is shown yet. Test a slower-sales case and late customer payments before treating the result as a safe buffer.

Forecast titleFirst monthCash in the bank before month one£

12-month view: scroll sideways to see later months. The cash-flow line stays pinned on the left.

Cash-flow line	Oct 26	Nov 26	Dec 26	Jan 27	Feb 27	Mar 27	Apr 27	May 27	Jun 27	Jul 27	Aug 27	Sept 27	12 months
Cash coming in
income line name	Customer payments, month 1, pounds	Customer payments, month 2, pounds	Customer payments, month 3, pounds	Customer payments, month 4, pounds	Customer payments, month 5, pounds	Customer payments, month 6, pounds	Customer payments, month 7, pounds	Customer payments, month 8, pounds	Customer payments, month 9, pounds	Customer payments, month 10, pounds	Customer payments, month 11, pounds	Customer payments, month 12, pounds	£0
income line name	Other income, month 1, pounds	Other income, month 2, pounds	Other income, month 3, pounds	Other income, month 4, pounds	Other income, month 5, pounds	Other income, month 6, pounds	Other income, month 7, pounds	Other income, month 8, pounds	Other income, month 9, pounds	Other income, month 10, pounds	Other income, month 11, pounds	Other income, month 12, pounds	£0
income line name	Owner funds or investment, month 1, pounds	Owner funds or investment, month 2, pounds	Owner funds or investment, month 3, pounds	Owner funds or investment, month 4, pounds	Owner funds or investment, month 5, pounds	Owner funds or investment, month 6, pounds	Owner funds or investment, month 7, pounds	Owner funds or investment, month 8, pounds	Owner funds or investment, month 9, pounds	Owner funds or investment, month 10, pounds	Owner funds or investment, month 11, pounds	Owner funds or investment, month 12, pounds	£0
income line name	Loans or credit received, month 1, pounds	Loans or credit received, month 2, pounds	Loans or credit received, month 3, pounds	Loans or credit received, month 4, pounds	Loans or credit received, month 5, pounds	Loans or credit received, month 6, pounds	Loans or credit received, month 7, pounds	Loans or credit received, month 8, pounds	Loans or credit received, month 9, pounds	Loans or credit received, month 10, pounds	Loans or credit received, month 11, pounds	Loans or credit received, month 12, pounds	£0
Total cash in	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Cash going out
expense line name	Stock, materials or direct costs, month 1, pounds	Stock, materials or direct costs, month 2, pounds	Stock, materials or direct costs, month 3, pounds	Stock, materials or direct costs, month 4, pounds	Stock, materials or direct costs, month 5, pounds	Stock, materials or direct costs, month 6, pounds	Stock, materials or direct costs, month 7, pounds	Stock, materials or direct costs, month 8, pounds	Stock, materials or direct costs, month 9, pounds	Stock, materials or direct costs, month 10, pounds	Stock, materials or direct costs, month 11, pounds	Stock, materials or direct costs, month 12, pounds	£0
expense line name	Pay, contractors and pensions, month 1, pounds	Pay, contractors and pensions, month 2, pounds	Pay, contractors and pensions, month 3, pounds	Pay, contractors and pensions, month 4, pounds	Pay, contractors and pensions, month 5, pounds	Pay, contractors and pensions, month 6, pounds	Pay, contractors and pensions, month 7, pounds	Pay, contractors and pensions, month 8, pounds	Pay, contractors and pensions, month 9, pounds	Pay, contractors and pensions, month 10, pounds	Pay, contractors and pensions, month 11, pounds	Pay, contractors and pensions, month 12, pounds	£0
expense line name	Premises and utilities, month 1, pounds	Premises and utilities, month 2, pounds	Premises and utilities, month 3, pounds	Premises and utilities, month 4, pounds	Premises and utilities, month 5, pounds	Premises and utilities, month 6, pounds	Premises and utilities, month 7, pounds	Premises and utilities, month 8, pounds	Premises and utilities, month 9, pounds	Premises and utilities, month 10, pounds	Premises and utilities, month 11, pounds	Premises and utilities, month 12, pounds	£0
expense line name	Marketing and selling, month 1, pounds	Marketing and selling, month 2, pounds	Marketing and selling, month 3, pounds	Marketing and selling, month 4, pounds	Marketing and selling, month 5, pounds	Marketing and selling, month 6, pounds	Marketing and selling, month 7, pounds	Marketing and selling, month 8, pounds	Marketing and selling, month 9, pounds	Marketing and selling, month 10, pounds	Marketing and selling, month 11, pounds	Marketing and selling, month 12, pounds	£0
expense line name	Software and professional fees, month 1, pounds	Software and professional fees, month 2, pounds	Software and professional fees, month 3, pounds	Software and professional fees, month 4, pounds	Software and professional fees, month 5, pounds	Software and professional fees, month 6, pounds	Software and professional fees, month 7, pounds	Software and professional fees, month 8, pounds	Software and professional fees, month 9, pounds	Software and professional fees, month 10, pounds	Software and professional fees, month 11, pounds	Software and professional fees, month 12, pounds	£0
expense line name	Tax and VAT payments, month 1, pounds	Tax and VAT payments, month 2, pounds	Tax and VAT payments, month 3, pounds	Tax and VAT payments, month 4, pounds	Tax and VAT payments, month 5, pounds	Tax and VAT payments, month 6, pounds	Tax and VAT payments, month 7, pounds	Tax and VAT payments, month 8, pounds	Tax and VAT payments, month 9, pounds	Tax and VAT payments, month 10, pounds	Tax and VAT payments, month 11, pounds	Tax and VAT payments, month 12, pounds	£0
expense line name	Loan and card repayments, month 1, pounds	Loan and card repayments, month 2, pounds	Loan and card repayments, month 3, pounds	Loan and card repayments, month 4, pounds	Loan and card repayments, month 5, pounds	Loan and card repayments, month 6, pounds	Loan and card repayments, month 7, pounds	Loan and card repayments, month 8, pounds	Loan and card repayments, month 9, pounds	Loan and card repayments, month 10, pounds	Loan and card repayments, month 11, pounds	Loan and card repayments, month 12, pounds	£0
expense line name	Other costs, month 1, pounds	Other costs, month 2, pounds	Other costs, month 3, pounds	Other costs, month 4, pounds	Other costs, month 5, pounds	Other costs, month 6, pounds	Other costs, month 7, pounds	Other costs, month 8, pounds	Other costs, month 9, pounds	Other costs, month 10, pounds	Other costs, month 11, pounds	Other costs, month 12, pounds	£0
Total cash out	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Net cash movement	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Closing cash balance	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0

Keep this forecast useful

Update actual payment timing each month and keep notes about the assumptions elsewhere in your roadmap. This is a planning aid, not accounting, tax, lending or investment advice.