Cash Flow Forecast (12 months)
Give us your opening bank balance and your expected monthly money in and money out, and we build a proper 12-month cash-flow forecast on your real numbers. You get a month-by-month table with net movement and a running closing balance for every month, the lowest-cash month flagged, and plain-English commentary on where the pressure sits. Unlike our Business Budget (which shows profit/surplus by category), this tracks the actual timing of cash through your bank account — opening balance, money in, money out, closing balance — so you can see whether the account survives. This is not a blank template. We calculate every figure, show the arithmetic, and tie the maths out so you can trust the closing balance. Ideal for sole traders, small companies and anyone who needs to see the next year of bank balances before the bank does the deciding for them.
A cash flow forecast answers a narrower question than a budget does: on the last day of each of the next twelve months, what is actually sitting in the account. Cash Flow Forecast (12 months) is A$29 one-off. You supply your opening bank balance and what you expect to move in and out, and we return a rolling twelve-month table with net movement and a running closing balance calculated for every month, plus your lowest-cash month flagged with the shortfall or buffer at that point.
Because the output is only ever as sharp as the figures behind it, the intake asks you to list each source of money coming in month by month and each cost going out, rather than one flat average smeared across the year. It also asks whether your numbers are GST-inclusive or GST-exclusive, so the whole forecast sits on a single consistent basis instead of quietly mixing the two.
The AI builds the statement from those figures and it lands on your order page in about five minutes, as an on-page report plus a Markdown download you can print to PDF or paste into Word. Two free AI revisions are included.
Profit is one question; the 30th of the month is another
A profit and loss statement or a budget tells you whether the year works on paper. This tracks the movement of money through the account: opening balance, money in, money out, closing balance, repeated across twelve months with the net movement worked out each time.
The two can disagree, and that gap is where businesses come unstuck. A month can look healthy by category and still leave the account short, because the money went out in March and came back in May. Our Business Budget shows profit or surplus by category. This one shows whether the balance survives the wait.
The maths is checked; the assumptions stay yours
This is not a blank template you fill in yourself. Every subtotal and total appears with its arithmetic visible, and the report runs a maths self-check so the closing balances tie out rather than asking you to take them on trust. If a figure looks wrong to you, you can trace how it was reached.
What that check cannot verify is the input. Nothing is connected to your bank or accounting system, no external data is pulled in, and the document is AI-written from the numbers you supply. Treat it as general information and a working starting point rather than financial advice, and have an accountant or qualified adviser look it over before you lean on it for a lending or hiring decision.
Seeing the pinch point while it is still months away
The forecast names your lowest-cash month and states the shortfall or buffer at that point, instead of leaving you to scan a table and work it out yourself. Alongside the numbers sits a plain-English read of what the pattern means and three practical moves you could make about it.
Knowing in July that October is the tight month is a different situation from discovering it in October. One version leaves you a choice of options; the other tends to leave you whichever option is still available.
What you get
- A rolling 12-month cash-flow forecast table on your own figures (AUD)
- Net cash movement and running closing balance calculated for every month
- Your lowest-cash month flagged, with the shortfall or buffer at that point
- Every subtotal and total shown with the arithmetic, plus a maths self-check
- Plain-English read of what the numbers mean and 3 practical moves
- 2 free AI revisions included
Turnaround: ~5 minutes. Delivery: On-page report + Markdown download (print to PDF / paste to Word).
Frequently asked questions
My income is seasonal. Can the months differ from each other?
Yes, and they should. You list each cash-in source and amount and each cash-out cost and amount for each month, so a quiet quarter can go in as a quiet quarter rather than being averaged away. An uneven year is exactly the pattern the lowest-cash month flag exists to catch.
Should the figures I enter include GST?
Either basis works, provided you tell us which, and the form asks. What causes trouble in a self-made forecast is mixing the two without noticing, so all twelve months are built on whichever basis you nominate.
I've spotted a wrong number in the report. What now?
Two free AI revisions are included, so you can correct the figure or change an assumption and have the forecast rebuilt. Revisions are AI-generated the same way the original was; they are not a review by an accountant.
I already have your Business Budget. Is this the same year covered twice?
Same year, different question. The Business Budget shows profit or surplus by category. This one tracks the timing of cash through your bank account: opening balance, money in, money out, closing balance, month by month. One speaks to whether the business is viable, the other to whether the account gets there.
Does anything need to be plugged into my bank or accounting software?
No. Nothing is connected, scanned or monitored. The forecast is built entirely from what you type into the intake form: opening balance, expected cash in, expected cash out. That is what keeps it quick, and also why the accuracy of the output rests on the accuracy of the input.