Project your business cash position month by month. Enter opening balance, revenue growth, costs and one-time expenses. Negative months highlighted in red automatically.
Add one-time expenses like equipment purchase, office setup, etc. Enter the month number (1–12) and amount.
| Row | M1 | M2 | M3 | M4 | M5 | M6 | M7 | M8 | M9 | M10 | M11 | M12 |
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A cash flow forecast projects when money comes in and goes out over a future period. Unlike a profit & loss statement, it tracks actual cash — including the timing of receipts and payments. It's the most important financial tool for small businesses because you can be profitable on paper but still run out of cash if timing is poor.
A negative closing balance (highlighted in red) means you would run out of cash in that month. This requires action: secure a short-term loan, delay expenses, speed up collections, or raise emergency working capital. African businesses often use informal credit (rotating savings with Ajo/Chama, family loans) to bridge short-term cash gaps.
Companies Income Tax (CIT) in Nigeria: Small companies (turnover <₦25M/year): 0%. Medium companies (₦25M–₦100M): 20%. Large companies (>₦100M): 30%. For VAT purposes: standard VAT rate is 7.5%. This tool uses the rate you enter as a % of gross profit for simplicity.