Startup Finance Toolkit

Cash Flow Forecaster

12-month cash flow projection with DSO/DPO timing adjustments.

Revenue & Cost Inputs

Starting Cash Balance

₱

Monthly Recurring Revenue

₱

Fixed Costs (monthly)

₱

Variable Cost (% of revenue)

%

Payment Terms (DSO)

days

Payable Terms (DPO)

days

One-Time Income by Month

Add any one-time income (grants, contract payments, etc.) per month. Subject to same DSO collection delay.

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Working Capital Tied Up

With DSO=30 days and DPO=15 days, you have ₱250,000 tied up in working capital (AR minus AP). You collect payments after ~30 days but pay expenses after ~15 days, creating a 15-day gap that needs to be funded from your cash reserves.

Total 12-Month Inflow

₱6,000,000

Cash collected from customers

Total 12-Month Outflow

₱6,000,000

Cash paid to suppliers/ops

Ending Cash Balance

₱3,000,000

Started at ₱3,000,000

Negative Cash Flow Months

0 of 12

Best Month

Jan: ₱0

Worst Month

Jan: ₱0

Avg Monthly Net Flow

₱0

Cash Conversion Cycle

15 days (needs working capital)

Cash Flow Visualization

Multiple views of your 12-month cash flow forecast.

Bars show cash-basis inflows and outflows. Blue line shows running cash balance.

Monthly Projection Detail

Accrual columns show what you earned/owed. Cash columns show actual money movement after DSO/DPO timing.

Jan

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Feb

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Mar

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Apr

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

May

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Jun

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Jul

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Aug

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Sep

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Oct

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Nov

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Dec

Revenue₱500,000Cash In₱500,000Expenses₱500,000Cash Out₱500,000Net Flow₱0Closing Balance₱3,000,000

Month	Opening	Revenue	Cash In	Expenses	Cash Out	Net Flow	Closing	AR	AP
	cash	accrual	cash	accrual	cash	cash	cash	owed	owed
Jan	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Feb	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Mar	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Apr	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
May	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Jun	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Jul	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Aug	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Sep	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Oct	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Nov	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Dec	₱3,000,000	₱500,000	₱500,000	₱500,000	₱500,000	₱0	₱3,000,000	₱500,000	₱250,000
Total / Final		₱6,000,000	₱6,000,000	₱6,000,000	₱6,000,000	₱0	₱3,000,000

What to do next

Burn Rate & Runway

Quick-check your monthly burn and runway

Financial Model

Build a full 3-year integrated model

Unit Economics

Validate the unit economics behind your revenue