Example result based on the prefilled values.
Result
5 600,00
Continue your plan
Useful next calculations
When to use this calculator
- Before pricing a job, setting margin targets, or reviewing hiring costs.
- When you want to test sensitivity around volume, VAT, markup, or overhead changes.
- When you need a practical estimate before committing to a budget or proposal.
- When you are modelling break-even volume and want to see how it shifts as overheads or prices change.
- When you are preparing a quote and need to verify that the margin holds after materials, labour, and VAT are accounted for.
A realistic South Africa planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Monthly Revenue (£)
6
Cost of Goods Sold (£)
R500
Operating Expenses (£)
5000
Tax Rate (%)
5%
After entering these figures, focus on result first and then rerun the tool with a more cautious assumption to understand the realistic range of outcomes rather than relying on a single estimate.
How to read your results
Result
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
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 an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Forgetting location-specific taxes, fees, eligibility rules or payroll deductions where they apply.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
- Use the result to prepare better questions for a lender, provider, adviser or employer rather than treating it as a final answer.
Frequently asked
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