Cash flow forecast

Plan your next 12 months of money in and money out. Change the assumptions below and the forecast updates instantly. Your figures are saved in your own browser only and are never sent to us.

1. About your forecast

Cash in the bank at the start of the first month
We'll warn you if your balance drops below this

2. Money in

Cash you expect to receive from customers in month 1
Use a negative figure for a decline
Grants, interest, rent received, etc.
Months where income drops

3. Money out

Applied gradually across the year to all costs except loan and tax payments

4. VAT

Payments are shown in the month they're due, about 1 month and 7 days after each quarter ends
The percentage for your business sector
Added to your first VAT payment in the forecast

Enter your income and costs excluding VAT in sections 2 and 3, and tick the costs that you pay VAT on. The forecast adds the VAT you receive and pay, and your payments to HMRC. VAT that builds up after the last quarter in the forecast isn't shown.

Your forecast

Net cash inNet cash outBank balance

Month by month

Click any figure to type your own amount for that month. Your changes are highlighted in yellow. Clear the box to go back to the assumption.

Want us to review your forecast?
Your Client Care Manager can check it with you and help plan for tax and funding.

Book an appointment

This tool produces an illustrative cash flow forecast based only on the figures you enter. It is for general guidance and is not financial or tax advice. Figures are not checked by SilverThrone unless you ask us to review them.