This is a Working Example of our Forecasts
Registered users can produce their own business forecasts in minutes; exactly as is shown here.
| Was | New | Was | New | ||
Increase / Decrease Gross Profit as % Sales |
41% | Increase / Decrease New Paid-Up Capital |
0 | ||
Increase / Decrease Service Charged % Sales |
2.5% | Increase / Decrease Bank Overdraft Limit |
50,000 | ||
| Increase / Decrease Wages | 300,000 | Increase / Decrease New Loans |
0 | ||
| Increase / Decrease Fixed Overheads | 130,000 | Increase / Decrease Loan Months to Repay |
1 | ||
Increase / Decrease Shipping costs % of sales |
4% | Increase / Decrease New Main Pool Assets |
30,000 | ||
Increase / Decrease % of Sales as Bad Debts |
3% | Increase / Decrease New Company Cars |
25,000 | ||
| Increase / Decrease Year-End Stock | 125,000 | Increase / Decrease % Fixed Assets Finance |
70% |
| Factoring / Invoice Discounting | |||||||||||
| Was | New | Was | New | Was | New | Was | New | ||||
| Factoring selected | No | % of Invoices | 80% | Service Charge | 1% | Interest | 5% | ||||
Profits, Overheads and Stock / Inventory |
Cash, Bank and Solvency |
||||||
| Before | After | Plus / Minus | Before | After | Plus / Minus | ||
| Operating Profit | 99,443 | 99,443 | 0 | Operating Cash Flow | 12,208 | 12,208 | 0 |
| Pre-Tax Profit | 94,381 | 94,381 | 0 | Net Cash Flow | -53,854 | -53,854 | 0 |
| Wages | 300,000 | 300,000 | 0 | Bank @ Year End |
-35,439 | -35,439 | 0 |
| Fixed Overheads | 130,000 | 130,000 | 0 | Min Month Bank + Undrawn Financing |
-16,263 | -16,263 | 0 |
| Total Operating Overheads | 553,057 | 553,057 | 0 | Max Month Bank + Undrawn Financing |
54,920 | 54,920 | 0 |
| Interest Charges | 5,062 | 5,062 | 0 | Working Capital / Liquidity | 76,492 | 76,492 | 0 |
| Year-End Stock / Inventory | 125,000 | 125,000 | 0 | Capital & Reserves | 119,238 | 119,238 | 0 |
Monthly Accrued Pre-Tax Profit
Month-End Bank + Undrawn Financing
Why the Figurewizard What-If Calculator / Planner is Important
Once Figurewizard calculates your forecasts, profits, cash flows or even solvency may need to be addressed. That is what this calculator / planner is for.
As a visitor, you can try it out here for free.
Using the Figurewizard What-If Calculator / Planner
Figurewizard's What-If Calculator / Planner is unique. As you change one of your original figures (e.g. increase gross margin by 1% or decrease wages by 5%) . profits, cash, liquidity, corporation tax, net assets / equity also change in real time.
The results on profits, net and operating cash flows, the bank and net worth and so on are displayed in the second block and graphs illustrating changes to net profit and the bank and unused financing in the third.
Changes are made instantly step-by-step as you change you original figures for gross, profit, overheads investment and financing.
For example "Min Month Bank + Undrawn Financing" in the red would signal of a forecast for a cash flow crisis. This would be clearly illustrated by the bank and undrawn financing. That would call for action on overheads, investment or financing.
Solutions for Resolving Cash Flow Deficits
Your options when making changes to eliminate monthly cash flow deficits normally start with lowering overheads and wages.
This has the added benefit of increasing profits as well as improving operating and net cash flows and liqiuidity. If lower overheads can't do the whole job, reducing investment in both current and fixed assets next comes into play.
The third option is by additional financing either from an increase in the overdraft facility or from loans, but addresssing overheads followed by investing activity should come first.