12-Month Cash Flow Forecast: See When Cash Runs Low
Profitable businesses still fail when cash runs out. Project 12 months of cash in and out, with growth, seasonality, late-paying customers and one-off costs, and see your lowest point in advance.
Open the free 12-Month Cash Flow Forecast →What is the 12-Month Cash Flow Forecast?
Project monthly cash in and out for a year with growth, seasonality and one-off costs. See when cash runs low and export to Excel. It's completely free, needs no sign-up and works on any phone or computer.
Why it's helpful
- Month-by-month cash balance
- Includes late payments and one-off costs
- Copy into Excel
Who it's for
Small business owners, founders and finance teams.
How to use it
- Enter your opening cash, sales, costs and how many customers pay late.
- Watch the lowest balance; that is when you may need a credit line or to delay a purchase.
💻 Open source: this tool is free and open source (MIT License). View the code on GitHub, download it and run it offline.
The bigger picture: Business
Running a business in the UAE means invoices with VAT, Corporate Tax, hiring costs and cash flow. Clear calculators and templates help founders and freelancers make better decisions before talking to an accountant.
What's changing: Since UAE Corporate Tax arrived, small businesses are paying closer attention to bookkeeping, invoices and planning, and Small Business Relief has been extended to tax periods ending on or before 31 December 2029.
Frequently asked questions
Why is cash different from profit?
Customers paying late and one-off costs mean cash can run out even when the business is profitable.
