Cash Flow Calculator
💰 January Cash Flow Calculator
Don't Lose Your Shirt in January - Know Your Numbers NOW
📊 Step 1: Calculate Your Monthly Burn Rate
Your "burn rate" is the total amount of money your business spends each month. Be honest and complete - missing expenses will give you false confidence.
Total monthly payroll for all staff + your own salary/draw
Office, shop, warehouse, or any property leases
Fuel, maintenance, vehicle payments, insurance
Monthly portion of annual insurance costs
Electricity, water, internet, SimPRO, Xero, etc.
Any business loans, equipment finance, credit lines
Materials, parts, supplies - average monthly spend
Anything else not covered above (marketing, tools, misc)
💵 Step 2: Your Cash Position
Now let's figure out where you'll be on December 20th and what you can expect in January.
What's in your business bank account right now?
Payments you'll receive between now and Dec 20
Bills you'll pay between now and Dec 20
📅 Step 3: January Collections Forecast
Be REALISTIC, not optimistic. When will customers actually pay?
Total value of invoices already sent but not yet paid
Realistically, what % of outstanding invoices will be paid in Jan? (e.g., 60 for 60%)
%
How much new work do you expect to invoice in January?
What % of January invoices will be paid IN January? (Usually 20-40%)
%
📊 Your January Cash Flow Analysis
Monthly Burn Rate
$0
This is what your business spends every month
Cash on Hand December 20th
$0
Projected bank balance when you close for holidays
Expected January Collections
$0
What you'll realistically collect in January
Total Available Cash for January
$0
Dec 20 balance + January collections
Cash Surplus / (Gap)
$0
CALCULATING...