Startup cash-flow planner.
Separate opening costs, ongoing expenses, and expected cash receipts.
Your operating picture.
Illustrative amounts. Replace every figure with your own assumptions. This is an educational planning model.
Protect your runway.
Additional cash needed$0To avoid a negative modeled balance
Monthly expenses$19,800
Ending balance$12,400
The modeled cash balance remains non-negative over this horizon. Contracted revenue is not cash received. Check actual payment terms, deductions, and timing.
| Month | Receipts | Expenses | Cash balance |
|---|---|---|---|
| Opening | Not applicable | $30,000 | $70,000 |
| 1 | $0 | $19,800 | $50,200 |
| 2 | $0 | $19,800 | $30,400 |
| 3 | $0 | $19,800 | $10,600 |
| 4 | $20,000 | $19,800 | $10,800 |
| 5 | $20,000 | $19,800 | $11,000 |
| 6 | $20,000 | $19,800 | $11,200 |
| 7 | $20,000 | $19,800 | $11,400 |
| 8 | $20,000 | $19,800 | $11,600 |
| 9 | $20,000 | $19,800 | $11,800 |
| 10 | $20,000 | $19,800 | $12,000 |
| 11 | $20,000 | $19,800 | $12,200 |
| 12 | $20,000 | $19,800 | $12,400 |
Assumes constant recurring expenses and monthly receipts after the delay. Contingency applies to recurring operating expenses. Excludes taxes, financing costs, depreciation, inflation, visit-level billing, and uncertain future awards. Not financial advice or a profitability forecast.