Cash Flow Calculator

How Figurewizard calculates operating, net and budgeted cash flow forecasts and its cash and liquidity calculators.

Cash Flow Forecasts

Figurewizard produces three important cash flow forecasts as follows:

Monthly Budgeted Cash Flow, Bank and Undrawn Financing

Operating Cash Flow, Net Cash Flow and External Finance

Monthly Cash Flow to Include Factoring or Supply Chain Finance

Both of these (and a lot else besides) can be updated with single clicks of a mouse, which will immediately revise every forecast in real time using the unique Universal What-If Calculator.

Three Cash Flow Calculators

Figurewizard has two built in cash flow calculators to enable planning of cash flow forecast scenarios: They are:

Universal What-If Calculator

Dividends, Liquidity and Cash Flow Calculator

These calculators are built into the system. To produce these and all of the forecasts, nothing more is needed beyond your projected figures for capital, loans, including overdrafts, sales, purchases, overheads, investments and simple cash ratios.

Budgeted Cash Flow Forecast

This analyses income from turnover, the sale of assets, usage of finance and VAT refunds if aplicable, less purchases, operating overhead, finance repayments, VAT. interest. corporation tax and dividends.

All of this is all calculated by the system from your original projected figures and nothing else. For example, VAT and corporation tax are automatically calculated and applied to the forecasts by the system as you are emtering those figures. 

There are options too for includimg letters of credit as a % of sales and how many months to receiving the goods and factoring / supply chain finance, plus annual % interest and service charges.

Operating Cash Flow Forecast

This describes cash flow arising solely from trading activities (operations) and is calculated by adding the year's operating revenue to changes current assets and liabilities.

Operating cash flow is a major issue for banks and other providers of finance. It is often regarded as being a test to establish whether or not a business seeking finance will have sufficient cash flow to to service the cost and repayments.

Net Cash Flow Forecast

The forecasts for income and expenditure that are unconnected with core trading of the business are added to operating cash flow in order to establish net cash flow. This is then balanced against the increase / decrease that is forecast for sources of external financing such as from bank overdrafts, loans, asset finance and so on.

As with the profits and balance sheet forecasts, all of these cash flow forecasts are automatically would have been calculated by our system simply from your figures for sales, profit margin, overheads and so on.

Subscription to Figurewizard is £30 a year with no extra charges.

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