Simulation

Project Your Cash 12 Months Out

Starting at $30,000, with $18,000 month-1 revenue growing 2%/month and $16,000 expenses, cash climbs to about $56,000 by month 12 and never dips below start. If growth were flat, the $2,000 monthly surplus still builds a buffer steadily.

Results

Visualization

Cashbizly provides illustrative business estimates only. Results depend on your inputs and assumptions and are not accounting, tax, or legal advice. Consult a CPA or financial advisor before major decisions. Tax-year figures (mileage, QBI, SEP, etc.) are labelled by year and should be verified at IRS.gov.

How It Works

Each month: Cash(t) = Cash(t-1) + Revenue(t) - Expenses, with Revenue growing at the chosen rate. This is a first-order cash-flow projection — it ignores seasonality, taxes, and one-offs, so treat the shape (not the pennies) as the signal. Watch the trough month for when a shortfall could appear.

What Should You Do?

Scenario 1: a 3% dip in month 1 (negative growth) can flip a surplus year into a deficit if expenses stay high. Scenario 2: trimming $1,000 expense compounds to ~$12k more cash by month 12. Scenario 3: model a 'bad quarter' by setting negative growth for three months to test resilience.

Frequently Asked Questions

Is this a substitute for accounting software?

No — it is a planning sketch. Use it to test 'what if' before you open the full books.

Why watch the trough month?

That is when you would need a line of credit or a deposit, so plan it in advance, not in panic.

How do I make it more accurate?

Layer in seasonality and tax payments. See our Quarterly Tax and Emergency Fund tools.

Authoritative References

SBA — Cash Flow Projection — Building a cash-flow projection.
Investopedia — Cash Flow — Cash-flow forecasting concepts.