Enter Assumptions
Example Data Table
Sample monthly view for illustration only.
| Month | Opening | Inflows | Outflows | Net | Closing |
|---|---|---|---|---|---|
| Apr 2026 | $25,000.00 | $10,200.00 | $8,400.00 | $1,800.00 | $26,800.00 |
| May 2026 | $26,800.00 | $10,350.00 | $8,520.00 | $1,830.00 | $28,630.00 |
| Jun 2026 | $28,630.00 | $31,000.00 | $8,650.00 | $22,350.00 | $50,980.00 |
Formulas Used
- Recurring item (month m): Value(m) = Amount × Probability × (1 + Growth + RowInflation)^(m−1)
- Timing shift: Receipts land at (m + ReceivableDelay); payments at (m + PayableDelay)
- Expense contingency: Outflow = BaseOutflow × (1 + Contingency)
- Tax withholding: Tax(m) = Inflows(m) × TaxRate
- Net cash flow: Net(m) = Inflows(m) − Outflows(m) − Tax(m)
- Closing balance: Closing(m) = Opening(m) + Net(m)
How to Use This Calculator
- Set opening balance, forecast months, and the start month.
- Add contract inflows: retainers, milestones, or expected variations.
- Enter expenses: payroll, vendors, compliance, and document costs.
- Use delays to represent payment terms and approval cycles.
- Set probability for uncertain items, and contingency for buffers.
- Click Calculate Forecast to view the monthly table.
- Download CSV or PDF to store with contract documentation.
FAQs
1) What is this forecast used for?
It helps you estimate monthly cash position from contract-driven receipts and documented expenses. Use it to plan approvals, renewals, and payment schedules.
2) How do delays affect the results?
Receivable delay moves contract cash into later months, matching invoice and approval timing. Payable delay shifts expense payments later, matching vendor terms.
3) What does probability mean here?
Probability scales each line item. For example, a 70% milestone models uncertainty without removing the item entirely.
4) How is growth applied?
Monthly growth is applied to recurring lines across months. Row inflation can further adjust a specific contract or expense line independently.
5) Why add contingency on expenses?
Contingency adds a buffer for overruns, change orders, and administrative costs. It increases every expense line proportionally.
6) Is the PDF legally formatted for contracts?
The PDF is a simple summary report suitable for attachments and internal records. For legal filings, export CSV and use your standard templates.
7) Can I forecast more than a year?
Yes. Set up to 36 months. For longer horizons, keep assumptions conservative and review them periodically with updated contract terms.