Build the plan behind the runway.
Model how revenue, hiring and financing change your cash. Follow every assumption through a monthly operating plan.
Loading the local plan…
Your plan stays in this browser. No account or cloud saving. Currency changes denomination only; export JSON for a portable backup.
Illustrative assumptions — replace these with your own company plan.
Editing the shared Base plan. Bear and Bull inherit changes unless overridden.
Set the starting point.
Choose your timeline and opening cash. Every assumption follows the same monthly calendar.
Changing this date relabels the plan; relative event months stay the same.
Choose 1–60 months. Events beyond the horizon remain in the plan.
Cash immediately before the first forecast month. A negative opening balance represents a deficit.
The minimum cash balance you want to maintain.
All monetary assumptions are in USD. Use the site currency selector to change denomination; amounts are unchanged.
Working capital & opening balances
Customer collections are set by revenue stream; supplier payments are set below and by expense. Outstanding balances stay visible beyond the forecast horizon.
Applies to every revenue stream’s direct costs. Payroll is paid in the month incurred.
Opening receivables
Balances already outstanding before month 1, with an explicit cash settlement month.
No opening receivables entered.
Opening payables
Balances already outstanding before month 1, with an explicit cash settlement month.
No opening payables entered.
How this model works
From decisions to cash.
Revenue is earned and billed in the same modeled month. Collections arrive after a whole-month delay. Direct costs follow each stream’s margin; supplier payment timing changes cash separately. Opening receivables and payables settle on the month you specify.
People cost is quantity × annual salary ÷ 12, plus the entered burden. Start and end months are inclusive. Recurring expenses follow their schedules; annual expenses appear in full on their anniversary.
Operating cash flow excludes financing and other cash events. New loans draw at the start of the chosen month, with first debt service at that month’s end. Existing debt uses remaining terms and produces no new cash. Debt rates are nominal annual rates divided by 12.
Cash-out is the first opening or month-end balance at or below zero. Additional financing equals the shortfall at the lowest balance, including opening cash; later funding cannot erase an earlier deficit. Monthly timing does not establish intramonth solvency.
This is an operating and cash plan, with explicit simplifying assumptions. It is not a revenue-recognition system, complete financial statement, statutory payroll calculation, or financing agreement. It does not calculate inventory, taxes, ownership or investment outcomes.
Amounts retain calculation precision. Displayed values are rounded for the selected denomination; CSV contains unrounded results. No foreign-exchange conversion is performed.