Small Business Victoria: Information sheet

Cash flow worksheet

Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not su explanation of cash flow.

How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksh cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. report. Cash flow scenario planner

Changes in sales income Changes in expenses

Month *

0% 0%
Month one January Month two Month three Month four February $7,671 March -$1,167 April $2,448 Month five May $5,974 Month six June -$3,248 Month seven July $1,240

Cash balance at the start of each month #

$5,000

Cash in (record when actually recieved)

Operating revenue

Cash reciepts from customers Collection of recievables Other operating revenue received
Total Operating Revenue

$2,200 $2,745 $0
$4,945

$2,200 $3,102 $0
$5,302

$2,420 $3,258 $0
$5,678

$2,640 $3,498 $0
$6,138

$2,772 $3,795 $0
$6,567

$2,860 $4,046 $0
$6,906

$3,080 $4,217 $0
$7,297

Other Sources of Cash Inflows

Proceeds from sale of assets Funds borrowed Tax refund/rebates Other sources of cash inflow
Total other cash inflows $0 $20,000 $0 $0 $0 $0 $0

$20,000

Total monthly cash in

$4,945

$25,302

$5,678

$6,138

$6,567

$6,906

$7,297

Cash out (record when actually paid)

Inventory (Stock)

Stock purchases Other Cost of Goods

12,012

13,728

Total Cost of Goods

$0

$12,012

$0

$0

$13,728

$0

$0

General & Administrative

Bank charges Credit card commission Accounting/Legal/Consultant fees Office Supplies License fees Business insurance Etc.
Total General & Administrative Marketing & Promotional

17

17

17

17

20

18

20

22

22

22

22

22

22

27

$39

$39

$39

$39

$42

$40

$47

Advertising Promotion - General Promotion - Other Etc.

Total Marketing & Promotional Operating Expenses

275

275

275

$275

$0

$0

$275

$0

$0

$275

Newspapers & magazines Parking/Taxis/Tolls Entertainment/Meals Travel/Accomodation Laundry/dry cleaning Cleaning & cleaning products Sundry supplies Equipment hire Etc.
Total Operating Expenses Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 $0

Fuel Vehicle service costs Tyres & other replacement costs Insurance Registrations

500

358

275

302

300

Total Motor Vehicle Expenses Website Expenses

$0

$300

$0

$500

$358

$275

$302

Domain name registration Hosting expenses etc

Total Website Expenses Employment Expenses Permanent $0 $110 $0 $0 $0 $0 $0

110

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Perm. Employ Exp Casual

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

$1,625

$1,625

$1,625

$1,625

$1,625

$1,625

$1,625

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0

Workcover Insurance
Total Employment Expenses Occupancy Costs $1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625

Electricity/Gas Telephones Property Insurance Rates Rent Repair & maintenance Waste removal

130 30 305 54 64 43 36 43 75

Water Etc.
Total Occupancy Costs Other Expenses $335 $54 $64 $173 $36 $43 $75

Bank Interest GST

335

435

Total Other Expenses

$0

$0

$335

$0

$0

$435

$0

Other Cash Outflows

Purchase of assets One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows
Total Other Cash Outflows $0 $20,000 $0 $0 $0 $0 $0

20,000

Total monthly cash out

Net difference Cash balance at the end of each month

$2,274
$2,671 $7,671

$34,140
-$8,838 -$1,167

$2,063
$3,615 $2,448

$2,612
$3,526 $5,974

$15,789
-$9,222 -$3,248

$2,418
$4,488 $1,240

$2,324
$4,973 $6,213

Notes: * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.

Net difference shows if more cash came in, than went out, or vice versa; and how much.

To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and

ures as you type. If you're not sure how to use this worksheet, there's a plain English

h by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and

Month eight Month nine August $6,213 September $2,661

Month ten Month eleven October $7,303 November $13,093

Month twelve December -$1,116

Total

$3,168 $4,475 $0
$7,643

$3,212 $4,666 $0
$7,878

$3,300 $4,778 $0
$8,078

$3,388 $4,891 $0
$8,279

$3,080 $5,016 $0
$8,096

$34,320 $48,487 $0
$82,807

$0 $20,000 $0 $0
$0 $0 $0 $0 $0 $20,000

$7,643

$7,878

$8,078

$8,279

$8,096

$102,807

8,580

20,592

$54,912 $0

$8,580

$0

$0

$20,592

$0

$54,912

20

18

20

18

18

220
$0

462 22 22 22 22 28

$462 $275 $0 $0 $0

$504

$40

$42

$40

$46

$957

275

$1,100 $0 $0 $0

$0

$0

$275

$0

$0

$1,100

$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

330

347

275

198

110

$2,695 $0 $0 $300 $0

$330

$347

$275

$198

$110

$2,995

$0 $110 $0
$0 $0 $0 $0 $0 $110

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

1,230 260 135

$14,760 $3,120 $1,620 $0 $0

$1,625

$1,625

$1,625

$1,625

$1,625

$19,500

$0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

$0
$1,625 $1,625 $1,625 $1,625 $1,625 $19,500

130 26 44 71 33

160 30

$420 $549 $305 $0 $0 $0 $0

$0 $0
$156 $44 $71 $33 $190 $1,274

$0

1,180

400

$2,350 $0 $0 $0 $0 $0

$0

$1,180

$0

$0

$400

$2,350

$20,000 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $20,000

$11,195
-$3,552 $2,661

$3,236
$4,642 $7,303

$2,288
$5,790 $13,093

$22,488
-$14,209 -$1,116

$2,371 $103,198
$5,725 $4,609

omes the next month's new cash balance.

ressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and ne, 3000. Department of Innovation, Industry and Regional Development 2007

95% 90% 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% -5% -15%

Small Business Victoria: Information sheet

Cash flow worksheet

Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and report. Cash flow scenario planner

Changes in sales income Changes in expenses

Month * Cash balance at the start of each month # Month one Month two Month three Month four $0 $0 $0 Month five $0 Month six $0 Month seven $0 Month eight Month nine $0 $0 Month ten Month eleven $0 $0 Month twelve $0

Cash in (record when actually recieved)

Operating revenue

Cash reciepts from customers Collection of recievables Other operating revenue received
Total Operating Revenue

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

Other Sources of Cash Inflows

Proceeds from sale of assets Funds borrowed Tax refund/rebates Other sources of cash inflow
Total other cash inflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total monthly cash in

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Cash out (record when actually paid)

Inventory (Stock)

Stock purchases Other Cost of Goods

Total Cost of Goods $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

General & Administrative

Bank charges Credit card commission Accounting/Legal/Consultant fees Office Supplies License fees Business insurance Etc.
Total General & Administrative Marketing & Promotional $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Advertising Promotion - General Promotion - Other Etc.

Total Marketing & Promotional Operating Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Newspapers & magazines Parking/Taxis/Tolls Entertainment/Meals Travel/Accomodation Laundry/dry cleaning Cleaning & cleaning products Sundry supplies Equipment hire Etc.
Total Operating Expenses Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Fuel Vehicle service costs Tyres & other replacement costs Insurance Registrations
Total Motor Vehicle Expenses Website Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Domain name registration Hosting expenses etc

Total Website Expenses Employment Expenses Permanent $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Perm. Employ Exp Casual $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Workcover Insurance
Total Employment Expenses Occupancy Costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Electricity/Gas Telephones Property Insurance Rates Rent Repair & maintenance Waste removal

Water Etc.
Total Occupancy Costs Other Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Bank Interest GST

Total Other Expenses

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

$0

Other Cash Outflows

Purchase of assets One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows
Total Other Cash Outflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total monthly cash out

Net difference Cash balance at the end of each month

$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

Notes: * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.

Net difference shows if more cash came in, than went out, or vice versa; and how much.

To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007

plain English t. (Download it from

as you can with your enario planner and

95% 90% 80% 75%

Total

95% 90% 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0%

70% 65% 60% 55%

$0 $0 $0
$0

50% 45% 40% 35% 30% 25%

$0 $0 $0 $0
$0

20% 15% 10% 5% 0%

-5%
$0

-5% -15%

-15%

$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 $0 $0 $0 $0 $0

$0 $0
$0

$0 $0 $0 $0 $0 $0 $0
$0

$0 $0 $0 $0 $0 $0
$0

$0

Small Business Victoria: Information sheet

Cash flow worksheet

Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not s explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)

How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the works cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g report. Cash flow scenario planner

Changes in sales income Changes in expenses

Month * Cash balance at the start of each month #

0% 0%
Month one $0 Month two Month three Month four $0 $0 $0 Month five $0 Month six $0 Month seven $0

Cash in (record when actually recieved)

Operating revenue

Cash reciepts from customers Collection of recievables Other operating revenue received
Total Operating Revenue

$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

Other Sources of Cash Inflows

Proceeds from sale of assets Funds borrowed Tax refund/rebates Other sources of cash inflow
Total other cash inflows

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

Total monthly cash in

$0

$0

$0

$0

$0

$0

$0

Cash out (record when actually paid)

Total Cost of Goods Total General & Administrative $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Marketing & Promotional Total Operating Expenses Total Motor Vehicle Expenses Total Website Expenses Total Perm. Employ Exp Total Casual Employ Exp Workcover Insurance Total Occupancy Costs Total Other Expenses

$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 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0

Other Cash Outflows

Purchase of assets One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows
Total Other Cash Inflows

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

Total monthly cash out

Net difference (subtracts the Cash out from Cash in) Cash balance at the end of each month

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0
$0

$0

$0

$0

$0

$0

$0

$0

Notes: * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.

Net difference shows if more cash came in, than went out, or vice versa; and how much.

To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry an

gures as you type. If you're not sure how to use this worksheet, there's a plain English ation sheet Business essentials: cash-flow forecast and break-even point. (Download it

th by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your at will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and

Month eight Month nine $0 $0

Month ten Month eleven $0 $0

Month twelve $0

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 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 $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

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

pressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and urne, 3000. Department of Innovation, Industry and Regional Development 2007

comes the next month's new cash balance.

95% 90% 80% 75% 70%

65% 60% 55%

50%

45%

0% -5% -10% -15%

Small Business Victoria: Information sheet

Cash flow worksheet

Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure ho English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentia point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)

How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet a you can with your cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something c cash flow scenario planner and report. Cash flow scenario planner

Changes in sales income Changes in expenses

Month *

0% 0%
Month one Estimated Actual Month two Estimated $0 Actual $0 Month three Estimated $0 Actual $0

Cash balance at the start of each month #

$0

Cash in (record when actually recieved)

Operating revenue

Cash reciepts from customers Collection of recievables Other operating revenue received
Total Operating Revenue

$0 $0 $0
$0 $0

$0 $0 $0
$0 $0

$0 $0 $0
$0 $0

Other Sources of Cash Inflows

Proceeds from sale of assets Funds borrowed Tax refund/rebates Other sources of cash inflow
Total other cash inflows

0 0 0 0
$0 $0

0 0 0 0
$0 $0

0 0 0 0
$0 $0

Total monthly cash in

$0

$0

$0

$0

$0

$0

Cash out (record when actually paid)

Inventory (Stock)

Stock purchases Other Cost of Goods

Total Cost of Goods

0 0
$0 $0

0 0
$0 $0

0 0
$0 $0

General & Administrative

Bank charges Credit card commission Accounting/Legal/Consultant fees Office Supplies License fees Business insurance Etc.
Total General & Administrative Marketing & Promotional

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

Advertising Promotion - General Promotion - Other Etc.

Total Marketing & Promotional Operating Expenses

0 0 0 0
$0 $0

0 0 0 0
$0 $0

0 0 0 0
$0 $0

Newspapers & magazines Parking/Taxis/Tolls Entertainment/Meals Travel/Accomodation Laundry/dry cleaning Cleaning & cleaning products Sundry supplies Equipment hire Etc.
Total Operating Expenses Motor Vehicle Expenses

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

Fuel Vehicle service costs Tyres & other replacement costs Insurance Registrations
Total Motor Vehicle Expenses

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

Website Expenses

Domain name registration Hosting expenses etc

Total Website Expenses Employment Expenses Permanent

0 0 0
$0 $0

0 0 0
$0 $0

0 0 0
$0 $0

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Perm. Employ Exp Casual

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs

Total Casual Employ Exp

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

0 0 0 0 0
$0 $0

Workcover Insurance
Total Employment Expenses Occupancy Costs

0
$0 $0

0
$0 $0

0
$0 $0

Electricity/Gas Telephones Property Insurance Rates Rent Repair & maintenance Waste removal Water Etc.
Total Occupancy Costs

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

Other Expenses

Bank Interest GST

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

Total Other Expenses

Other Cash Outflows

Purchase of assets One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows
Total Other Cash Inflows

0 0 0 0 0 0
$0 $0

0 0 0 0 0 0
$0 $0

0 0 0 0 0 0
$0 $0

Total monthly cash out

Net difference Cash balance at the end of each month

$0
$0 $0

$0
$0 $0

$0
$0 $0

$0
$0 $0

$0
$0 $0

$0
$0 $0

Notes: * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.

Net difference shows if more cash came in, than went out, or vice versa; and how much.

To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authentic Regional Development 2007

eet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain ffice of Small Business information sheet Business essentials: cash-flow forecast and break-even ebsite at www.business.vic.gov.au.)

r cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as n also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the

Month four Estimated $0 Actual $0

Month five Estimated $0 Actual $0

Month six Estimated $0 Actual $0

Month seven Estimated $0 Actual $0

Month eight Estimated $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 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 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 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
$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 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 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 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 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 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

start the business.

month (top row). This figure becomes the next month's new cash balance.

representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorise

Month eight Actual $0

Month nine Estimated $0 Actual $0

Month ten Estimated $0 Actual $0

Month eleven Estimated $0 Actual $0

Month twelve Estimated $0 Actual $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

$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 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
$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 $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 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 $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 $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

$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

y liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and

#REF!

#REF!

#REF!

#REF!

#REF! #REF! #REF! #REF! #REF!

#REF! #REF! #REF! #REF! #REF!

#REF!

#REF!

Free Cash Flow #REF!

95% 90% 80%

75% 70%

65% 60% 55%

50%

45%

0%

-5% -15%