CASH FLOW PROJECTION

START-UP OPERATING DATA Quantity of product sold Average price of product REVENUE Sale of goods/services Collection of Accounts Other Revenue sources Loans / other cash injected TOTAL REVENUE COST OF SALES Merchandise Cost Receiving cost Production and Packaging cost Sales and Commission cost Distribution and Shipping cost TOTAL COST OF SALES EXPENSES PAID OUT Salary and Wages Payroll Taxes Accounting / Legal Advertising Automobiles and Travel Insurances Loan interest Outside Services Postage and Printing Rent / Lease Expense Real Estate Taxes Facility Utilities Repairs / Maint. Telephone / Fax / pagers Supplies - office Software Memberships Subscriptions Training Purchases -other Capital purchases - Other Other Sales Taxes Loan Principal repayment TOTAL EXPENSES NET INCOME 0 0 0 (Optional) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

YEAR
J AN FEB MAR APR MAY J UN J UL AUG SEP OCT NOV

____________
DEC TOTAL
0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Ac c u m u lated Pr o fits / L o s s
LIVING EXPENSES REQUIRED Income Taxes Health Insurance Other needs

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

In c o m e Need ed

RAL 1999

CASH FLOW FORECAST DEFINITIONS

All figures on the Cashflow Forecast are estimated dollars based upon raw data, simple calculations or pure guesses. Round all figures to nearest 100$. Add additional items to fit your particular business categories, for instance - add separate Cash Revenue lines for each product or service line you sell. OPERATING DATA Quantity of product sold Average price of product REVENUE Sale of goods/services Collection of Accounts Other Revenue sources Loans / other cash injected TOTAL REVENUE COST OF SALES Merchandise Cost Receiving cost Production and Packaging cost Sales and Commission cost Distribution and Shipping cost TOTAL COST OF SALES EXPENSES PAID OUT Salary and Wages Payroll Taxes Accounting / Legal Advertising Automobiles and Travel Insurances Loan interest Outside Services Postage and Printing Rent / Lease Expense Real Estate Taxes Facility Utilities Repairs / Maint./ Decorating Telephone / Fax / pagers Supplies - office Software Memberships Subscriptions Training Purchases -other Capital purchases - Other Other Sales Taxes Loan Principal repayment TOTAL EXPENSES NET INCOME Number of customer sales, items sold or services rendered Average sales ticket or typical cost of service

Cash received from sales of products or services. Only list cash received this period. Calculate by Qty times Avg Price Delayed amounts earned in earlier period, but received this period from credit accounts, invoices and credit card payments Cash received for sales of other assets, agreements , commissions etc Cash injected from all other sources such as loans, interest on bank accounts, owners insertion, tax refunds etc. Add all revenue sources These cost vary based upon sales volumes

Cost you incur to make the sale and pay to others Cost you pay for shipping or delivering products / services to customer Add all variable sales costs

Amount of base pay plus overtime Includes Fed & State Tax, Soc Sec tax, Medicare, paid vacations, sick leaves health care insurance, unemployment insurance etc Fees paid to attorneys, accountants, auditors etc Fees paid marketing firms, radio or TV media, yellow pages, newspapers, printers, internet sites or any costs to promote your business. If using personal car put parking, if rental put costs, if company car put all purchase payments and maintenance costs. Cost of insurance on business property, fire, theft, liability, executive or key employee and revenue interruption Interest paid on any outstanding loans. Any labor or materials cost paid to independent contractors or other businesses for services. Cost of mailings (not associated with product distribution or marketing) plus costs of internal catalogs or printed materials Cost of facilities Cost of property taxes on Owned properties Coat of water, heat, air conditioning or power Including internet hosting or email access charges. Any supplies used to operate an office Costs of computer software purchased or leased during this period Payments to associations such as Chamber of Commerce, Industry organizations or clubs Payments for magazines, books or services such as online database access Any cost you incur for classes, materials or instructors to train yourself or your employees. Cost of any equipment, furniture or computers that will be treated as an expenditure Non -expensed (depreciable) expenses for equipment, vehicles, buildings or leaseholder improvements Estimate the amount of sales tax you will owe Amount of loan to be repaid during this period. Add all expenses Subtract Total Cost of Sales and Total Expenses from Total Revenue == Monthly Profit or Loss Add profit or loss left over from previous month to amount of profit or loss from this month. Optional section to check impact on life style Estimate amount of income tax you will have to pay, based upon quarterly payments or estimated annual income Amount you will need for family or personal health insurance other income needs Add required living expenses then compare to Monthly Profit or Loss to check for impact of your forecast.

Accumulated Profits / Loss

LIVING EXPENSES REQUIRED Income Taxes Health Insurance Other needs

Income Needed