General Cashflow Projection
A back-of-the-envelope cash flow projection — what cash you need, when you break even, and what you stand to make.
Revenue Assumptions
General assumptions
How far out the projection runs. Everything after the last month is excluded from the totals, so a longer horizon captures more of the work you have already signed.
Your business starts when you spend the first dollar on it. You usually spend before you earn, though that is not an absolute rule. Month 1 of the projection is this month.
Revenue assumptions
The month you start to engage with potential clients.
How many prospects you reach in a typical month, held flat across the horizon.
Of the leads you approach, the percentage that become paying clients.
How long it takes for a sales lead to sign a contract.
One project per client. Total project charge, not a monthly rate.
Upfront cash lands in the signing month; the balance lands when the work finishes.
The time it takes to complete the project, in months.
Cost Assumptions
One-time purchases
Assets and equipment — a laptop, a desk, a camera. Charged once, in the month you buy it.
Annual costs
Company filing, insurance, license, permits. Recurs every 12 months from the first occurrence on or after the start month — so a start month matching the anchor pays in month 1.
Monthly costs
Labor cost, rent, office expense. Runs from its own start month to the end of the horizon; there is no end date.
Sales commission
Paid in the month the cash is received, not the month the client signs — so a client on split terms generates commission twice.
Cashflow Projection
Assumptions
Three Flows Solutions is a business consultancy. These free tools are provided to introduce business logic. Do not use the output as the basis for a final business decision or for execution without discussing it with qualified professional service providers, and check the federal, state, and institutional regulations, laws, and standards that apply to your situation.
Nothing you enter in these free tools is sent to us or stored anywhere — we have no record of it and cannot retrieve it for you. Your entries exist only while the page is open; refreshing or leaving the page clears them. Download the PDF if you want to keep your work.
This is a planning model, not a forecast. It projects the assumptions you enter and nothing else — it applies no capacity limit, no collection lag, and no allowance for the work you do not win. Treat the output as a starting point for a conversation with your CPA or advisor, not as a financial projection to rely on.