CASH FLOW PROJECTION YEAR ____________ START-UP JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC TOTAL OPERATING DATA Quantity of product sold 0 Average price of product 0 REVENUE Sale of goods/services 0 Collection of Accounts 0 Other Revenue sources 0 Loans / other cash injected 0 TOTAL REVENUE 0 0 0 0 0 0 0 0 0 0 0 0 0 0 COST OF SALES Merchandise Cost 0 Receiving cost 0 Production and Packaging cost 0 Sales and Commission cost 0 Distribution and Shipping cost 0 TOTAL COST OF SALES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 EXPENSES PAID OUT Salary and Wages 0 Payroll Taxes 0 Accounting / Legal 0 Advertising 0 Automobiles and Travel 0 Insurances 0 Loan interest 0 Outside Services 0 Postage and Printing 0 Rent / Lease Expense 0 Real Estate Taxes 0 Facility Utilities 0 Repairs / Maint. 0 Telephone / Fax / pagers 0 Supplies - office 0 Software 0 Memberships 0 Subscriptions 0 Training 0 Purchases -other 0 Capital purchases - Other 0 Other 0 Sales Taxes 0 Loan Principal repayment 0 TOTAL EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NET INCOME 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Accumulated Profits / Loss 0 0 0 0 0 0 0 0 0 0 0 0 0 0 LIVING EXPENSES REQUIRED (Optional) Income Taxes 0 Health Insurance 0 Other needs 0 Income Needed 0 0 0 0 0 0 0 0 0 0 0 0 0 0 RAL 1999 CASH FLOW FORECAST DEFINITIONS All figures on the Cashflow Forecast are estimated dollars based upon raw data, simple calculations or pure guesses. Round all figures to nearest 100$. Add additional items to fit your particular business categories, for instance - add separate Cash Revenue lines for each product or service line you sell. OPERATING DATA Quantity of product sold Number of customer sales, items sold or services rendered Average price of product Average sales ticket or typical cost of service REVENUE Sale of goods/services Cash received from sales of products or services. Only list cash received this period. Calculate by Qty times Avg Price Collection of Accounts Delayed amounts earned in earlier period, but received this period from credit accounts, invoices and credit card payments Other Revenue sources Cash received for sales of other assets, agreements , commissions etc Loans / other cash injected Cash injected from all other sources such as loans, interest on bank accounts, owners insertion, tax refunds etc. TOTAL REVENUE Add all revenue sources COST OF SALES These cost vary based upon sales volumes Merchandise Cost Receiving cost Production and Packaging cost Sales and Commission cost Cost you incur to make the sale and pay to others Distribution and Shipping cost Cost you pay for shipping or delivering products / services to customer TOTAL COST OF SALES Add all variable sales costs EXPENSES PAID OUT Salary and Wages Amount of base pay plus overtime Payroll Taxes Includes Fed & State Tax, Soc Sec tax, Medicare, paid vacations, sick leaves health care insurance, unemployment insurance etc Accounting / Legal Fees paid to attorneys, accountants, auditors etc Advertising Fees paid marketing firms, radio or TV media, yellow pages, newspapers, printers, internet sites or any costs to promote your business. Automobiles and Travel If using personal car put parking, if rental put costs, if company car put all purchase payments and maintenance costs. Insurances Cost of insurance on business property, fire, theft, liability, executive or key employee and revenue interruption Loan interest Interest paid on any outstanding loans. Outside Services Any labor or materials cost paid to independent contractors or other businesses for services. Postage and Printing Cost of mailings (not associated with product distribution or marketing) plus costs of internal catalogs or printed materials Rent / Lease Expense Cost of facilities Real Estate Taxes Cost of property taxes on Owned properties Facility Utilities Coat of water, heat, air conditioning or power Repairs / Maint./ Decorating Telephone / Fax / pagers Including internet hosting or email access charges. Supplies - office Any supplies used to operate an office Software Costs of computer software purchased or leased during this period Memberships Payments to associations such as Chamber of Commerce, Industry organizations or clubs Subscriptions Payments for magazines, books or services such as online database access Training Any cost you incur for classes, materials or instructors to train yourself or your employees. Purchases -other Cost of any equipment, furniture or computers that will be treated as an expenditure Capital purchases - Other Non -expensed (depreciable) expenses for equipment, vehicles, buildings or leaseholder improvements Other Sales Taxes Estimate the amount of sales tax you will owe Loan Principal repayment Amount of loan to be repaid during this period. TOTAL EXPENSES Add all expenses NET INCOME Subtract Total Cost of Sales and Total Expenses from Total Revenue == Monthly Profit or Loss Accumulated Profits / Loss Add profit or loss left over from previous month to amount of profit or loss from this month. LIVING EXPENSES REQUIRED Optional section to check impact on life style Income Taxes Estimate amount of income tax you will have to pay, based upon quarterly payments or estimated annual income Health Insurance Amount you will need for family or personal health insurance Other needs other income needs Income Needed Add required living expenses then compare to Monthly Profit or Loss to check for impact of your forecast.
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