CASH FLOW PROJECTION YEAR ____________

START-UP JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC TOTAL

OPERATING DATA
Quantity of product sold 0
Average price of product 0

REVENUE
Sale of goods/services 0
Collection of Accounts 0
Other Revenue sources 0
Loans / other cash injected 0

TOTAL REVENUE 0 0 0 0 0 0 0 0 0 0 0 0 0 0

COST OF SALES
Merchandise Cost 0
Receiving cost 0
Production and Packaging cost 0
Sales and Commission cost 0
Distribution and Shipping cost 0

TOTAL COST OF SALES 0 0 0 0 0 0 0 0 0 0 0 0 0 0

EXPENSES PAID OUT

Salary and Wages 0
Payroll Taxes 0
Accounting / Legal 0
Advertising 0
Automobiles and Travel 0
Insurances 0
Loan interest 0
Outside Services 0
Postage and Printing 0
Rent / Lease Expense 0
Real Estate Taxes 0
Facility Utilities 0
Repairs / Maint. 0
Telephone / Fax / pagers 0
Supplies - office 0
Software 0
Memberships 0
Subscriptions 0
Training 0
Purchases -other 0
Capital purchases - Other 0
Other 0
Sales Taxes 0
Loan Principal repayment 0

TOTAL EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0

NET INCOME 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Accumulated Profits / Loss 0 0 0 0 0 0 0 0 0 0 0 0 0 0

LIVING EXPENSES REQUIRED (Optional)

Income Taxes 0
Health Insurance 0
Other needs 0

Income Needed 0 0 0 0 0 0 0 0 0 0 0 0 0 0
RAL 1999
 CASH FLOW FORECAST DEFINITIONS
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
Accumulated Profits / Loss
LIVING EXPENSES REQUIRED
Income Taxes
Health Insurance
Other needs
Income Needed
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.
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 of merchandise purchased or used this period including sales taxes you paid
Cost of charges you incur in receiving the merchandise shipping, handling charges commissions etc
Cost of repackaging or assembly of your deliverable product Significant sub-cost should be separately listed
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
Costs of fixing or maintaining equipment or facilities including cleaning staffs or common area expenses .. such as building security or landscaping,
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.