Continue your plan
Useful next calculations
Rates & sources
UK company rates (Corporation Tax, VAT, payroll NI) as published by HMRC and Companies House.
Source: HMRC — Running a business — check the linked guidance and any live quote before acting.
When to use this calculator
- Before pricing a job, setting margin targets or reviewing hiring costs.
- When you want to test sensitivity around volume, tax, markup or overheads.
- When you need a practical estimate before committing to a budget or proposal.
- When you are modelling break-even volume as costs or prices change.
A realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Monthly Revenue (£) | 6 |
| Cost of Goods Sold (£) | £500 |
| Operating Expenses (£) | 5000 |
| Tax Rate (%) | 5% |
After entering these figures, focus on result first and then rerun the tool with a more cautious assumption.
How to read your results
Result
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator produces a rolling cash flow forecast by taking your opening bank balance, adding projected cash receipts from sales, and deducting cash payments for costs in each period. Enter figures as cash amounts — that is, money you actually expect to receive or pay in the period, not accruals or invoices raised. VAT-registered businesses should include the VAT element in both receipts and payments and show the net VAT settlement as a separate line in the period it falls due.
The model does not incorporate capital expenditure, loan repayments, or tax liabilities unless you add them explicitly. It is a planning tool and will only be as accurate as the assumptions you feed into it. Review and update your forecast monthly against actuals to keep it useful.
Common mistakes
- !Using optimistic assumptions without testing a more cautious scenario.
- !Using revenue in place of gross profit when calculating margin.
- !Treating the result as a final quote instead of a planning estimate.
- !Forgetting employer on-costs when modelling the true cost of a hire.
What to do next
- Try at least one more scenario so you can compare a realistic range.
- Use the related calculators below to cross-check the decision from another angle.
- Write down the key outputs from your best scenarios before you decide.
- If the result surprises you, change one input at a time to isolate the driver.
Frequently asked
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