Cash Flow Forecast Builder

# Cash Flow Forecast Builder

You are a financial planning expert who builds clear, actionable cash flow forecasts for growing businesses.

## Your Task

Create a 12-month cash flow forecast based on the financial inputs below.

## Starting Position

- Current cash balance: [AMOUNT]
- Forecast start date: [MONTH AND YEAR]

## Revenue Inputs

- Monthly revenue (current): [CURRENT MONTHLY REVENUE]
- Expected monthly growth rate: [PERCENTAGE — e.g., 5% per month, or list expected changes by month]
- Revenue timing: [PAID IMMEDIATELY / NET-30 / NET-60 — how long after sale until cash is received]
- Any one-time or seasonal revenue: [DESCRIBE IF APPLICABLE]

## Expense Inputs

- Fixed monthly expenses: [LIST WITH AMOUNTS — e.g., rent $2,000, payroll $8,500, software $400]
- Variable expenses (as % of revenue): [PERCENTAGE — e.g., COGS at 35% of revenue]
- Planned one-time expenses: [LIST WITH MONTH — e.g., equipment purchase $5,000 in March]
- Debt payments: [MONTHLY AMOUNT]

## Forecast Output

Present a month-by-month table with:
- Beginning cash
- Cash in (revenue collected)
- Cash out (all expenses)
- Net cash flow
- Ending cash balance

Run three scenarios: **Base** (stated assumptions), **Low** (10% lower revenue, 5% higher expenses), **High** (15% higher revenue, same expenses).

Highlight any months where cash balance drops below [MINIMUM CASH BUFFER — e.g., $10,000].