Cash Flow & Planning
Templates for staying ahead of your cash position — rolling forecasts, scenario planning, burn rate tracking, and budget variance.
Annual Cash Flow Command Center
Know your cash position under three futures, not just one — and exactly how much runway you have under each.
- Best/Base/Worst scenarios calculated automatically from one set of inputs
- Danger Zone alerts flag any month your balance drops below a safe threshold
- Reverse Target Planner works backward from a cash goal to the monthly number required
The 13-Week CFO Cash Flow Forecaster
Stop assuming invoices get paid instantly. Forecast your true cash position across the next 13 weeks using realistic collection-lag logic.
- 3-Way Scenario Toggle to test Best, Base, and Worst-Case cash outcomes
- Built as a polished, repeatable tool for founders and consultants
- No subscriptions or software to learn
Budget vs. Actual Variance Tracker
Know within minutes exactly where your business is over or under budget before it impacts your cash flow.
- Instant variance flags automatically highlight spending leaks in red and green
- Compare planned monthly targets against real revenue and operational expenses side-by-side
- Pre-built calculation rows give corporate-level budget oversight
The Startup Burn Rate & Runway Tracker
Stop relying on a stale runway number. Track your burn multiple and cash runway every month, and know the exact moment to start fundraising.
- Calculates Burn Multiple automatically — the metric investors actually screen on
- Model a hire or a cost cut and see the runway impact before you commit
- Fundraising Red Zone alert flags the month you should start raising
SaaS Metrics Dashboard
Revenue growth alone doesn't tell you if a SaaS business is healthy. This calculates the metrics investors actually screen on — automatically.
- Real LTV:CAC ratio, CAC Payback Period, and Rule of 40 — calculated from your actual churn, not a guess
- Logo vs. Revenue Churn tracked separately, because they tell very different stories
- A benchmarks guide explaining what a healthy number actually looks like at every metric
Owner's Pay & Reasonable Compensation Calculator
If you're an S-Corp owner paying yourself mostly in distributions, that's not a clever tax strategy — it's one of the most common audit triggers there is.
- A Safe Draw Calculator showing the maximum you can pay yourself without straining cash
- An S-Corp Reasonable Compensation Estimator with an automatic audit risk flag
- A compensation guide covering what the IRS actually looks at
Business Debt Payoff & Refinance Tracker
A lower interest rate can still be a losing deal once closing costs are factored in. Know your real break-even before you refinance.
- Automatic Avalanche and Snowball payoff ranking for every business debt
- A real amortization-based Refinance Break-Even Calculator — monthly savings, break-even month, lifetime interest saved
- A guide covering the fine print worth checking before you sign anything
Grant / SBA Loan Application Financial Packet Builder
Most business owners either pay an accountant several hundred dollars to assemble a loan packet, or spend hours guessing the right format under deadline pressure.
- Every document a lender asks for — Use of Funds, 3-Year Projections, Personal Financial Statement, Debt Schedule
- Automatic reconciliation checks and the Debt Service Coverage Ratio underwriters check first
- A one-page Packet Summary Dashboard — exactly what a loan officer sees when they open your file
Looking for something else? The rest of the library is organized by category.