Project 12 months of cash in and out, see your running balance, and get warned before the balance dips below zero. Export CSV or print. Free and private.
| Month | Cash in ($) | Cash out ($) | Net | Closing |
|---|
Cash in is money actually hitting the bank that month: customer payments (when they pay, not when you invoice — add your typical payment delay), GST refunds, asset sales, loan drawdowns. Cash out is everything leaving: suppliers, wages and super, rent, loan repayments, BAS payments (a classic quarterly cash shock — put them in the right months), insurance renewals, and tax. The quarterly and annual lump items are exactly what this planner exists to catch: a business can look fine month-to-month and still get flattened by a BAS quarter plus an insurance renewal landing together.
When a month's closing balance goes red, you have your warning months in advance — time to chase invoices, delay discretionary spending, arrange an overdraft, or inject funds. Update the plan monthly with actuals so the projection stays honest. It pairs naturally with the P&L Statement Builder — profit is the destination, cash flow is whether you survive the trip.
How is the closing balance calculated?
Each month: previous balance + cash in − cash out. The result carries forward, so one bad month flows through the rest of the year — exactly as it does in real life.
Should I use invoiced amounts or expected payments?
Expected payments. If you invoice in March but clients pay on 30-day terms, the cash belongs in April's plan. Cash flow planning is about timing, and payment delay is the single biggest timing gap for small businesses.
What does the red warning mean?
Your projected balance drops below zero in that month — the plan is telling you, months in advance, when you'll need funding or faster collections. That advance notice is the entire point of the exercise.
Why do the months start at July?
The planner follows the Australian financial year (July–June), matching BAS quarters and tax timing. Just start entering from whichever month you're in now.
Can I keep working on this later?
The page doesn't store data, so export the CSV — you can keep updating it in any spreadsheet, or re-enter the figures here whenever you want the printable version and the shortfall check.