Cashflow
Direct cash-basis forecast. Source: live Xero + Google Sheets. Models the real cash movements: collections, supplier payments on terms, opex, loan repayments, and BAS / super / PAYG / tax.
Cash today
$106,836
Owed to you $426,124 · You owe $1,085,296
Cash today
$106,836
End Oct 26
$61,773
End Nov 26
-$631,900
End Dec 26
-$367,932
Alerts
CRITICAL · Projected cash is negative (-A$631,900) at the end of 2026-11.
CRITICAL · Projected cash is negative (-A$367,932) at the end of 2026-12.
CRITICAL · Projected cash is negative (-A$262,805) at the end of 2027-01.
CRITICAL · Projected cash is negative (-A$880) at the end of 2027-02.
Projected closing cash by month
Planned margin (P&L view)
Accrual view for reference, not the cash net below. Trading income from the Forecasting sheet; cost of sales from the WORKING P&L (line 30).
| Month | Trading income | Cost of sales | Gross Profit |
|---|---|---|---|
| 2026-10 | $638,905 | $267,540 | $371,365 |
| 2026-11 | $592,441 | $648,615 | -$56,174 |
| 2026-12 | $726,022 | $308,004 | $418,018 |
| 2027-01 | $676,535 | $315,396 | $361,139 |
| 2027-02 | $692,805 | $309,786 | $383,019 |
| 2027-03 | $550,434 | $288,454 | $261,980 |
| 2027-04 | $628,937 | $286,756 | $342,181 |
| 2027-05 | $1,293,607 | $265,950 | $1,027,657 |
| 2027-06 | $738,670 | $317,380 | $421,290 |
| 2027-07 | $602,654 | $0 | $602,654 |
| 2027-08 | $760,862 | $0 | $760,862 |
| 2027-09 | $727,830 | $0 | $727,830 |
Monthly cash-flow statement
| Month | Opening | + Collections | - Suppliers | - Freight | - Opex | - Financing | - Statutory | Net | Closing |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10 | $106,836 | $729,701 | $542,648 | $40,204 | $187,911 | $4,000 | $0 | -$45,062 | $61,773 |
| 2026-11 | $61,773 | $720,278 | $542,648 | $174,016 | $693,288 | $4,000 | $0 | -$693,674 | -$631,900 |
| 2026-12 | -$631,900 | $768,634 | $156,500 incl. $156,500 committed PO |
$63,887 | $280,279 | $4,000 | $0 | $263,968 | -$367,932 |
| 2027-01 | -$367,932 | $676,535 | $152,400 incl. $152,400 committed PO |
$78,060 | $336,948 | $4,000 | $0 | $105,127 | -$262,805 |
| 2027-02 | -$262,805 | $692,805 | $95,325 incl. $95,325 committed PO |
$60,683 | $270,872 | $4,000 | $0 | $261,925 | -$880 |
| 2027-03 | -$880 | $550,434 | $141,185 incl. $141,185 committed PO |
$62,938 | $285,165 | $4,000 | $37,000 | $20,146 | $19,266 |
| 2027-04 | $19,266 | $628,937 | $0 | $63,292 | $296,755 | $4,000 | $0 | $264,890 | $284,156 |
| 2027-05 | $284,156 | $1,293,607 | $117,500 | $58,242 | $293,624 | $4,000 | $0 | $820,241 | $1,104,397 |
| 2027-06 | $1,104,397 | $738,670 | $117,500 | $78,099 | $398,685 | $4,000 | $0 | $140,386 | $1,244,784 |
| 2027-07 | $1,244,784 | $602,654 | $117,500 | $0 | $0 | $4,000 | $0 | $481,154 | $1,725,938 |
| 2027-08 | $1,725,938 | $760,862 | $117,500 | $0 | $0 | $4,000 | $0 | $639,362 | $2,365,301 |
| 2027-09 | $2,365,301 | $727,830 | $117,500 | $0 | $0 | $4,000 | $0 | $606,330 | $2,971,631 |
Commitments (loans, BAS, super, tax)
The cash items that are not in your P&L. Seeded from your balance sheet. Edit them to match your real schedule. "Monthly" applies every month. "One-off" applies only in the named month (YYYY-MM).
| Label | Type | Monthly | One-off month | One-off amount | Note | |
|---|---|---|---|---|---|---|
How this forecast is built
- Revenue is collected in the month it is earned (DTC-weighted); existing receivables are collected 60/30/10 over the next three months.
- Suppliers (product POs): the existing payables balance (already-invoiced bills) clears over the next 60 days; committed purchase orders (open, from the AU PO's tab) are scheduled from month 3 onward on their supplier terms (VMC 60 days after dispatch), so an invoiced PO already in payables is never counted twice; beyond the committed-PO horizon a run-rate estimates continued buying.
- Freight: outbound shipping (WORKING P&L Logistics/Freight) paid in the month incurred.
- Operating expenses are paid in the month incurred.
- Loan repayments and BAS/super/PAYG/tax are taken from the editable commitments below, seeded from your balance sheet.
- The current month is pro-rated for the days remaining, so cash already banked this month is not counted again.
- Planned margin (P&L view): trading income (Forecasting sheet) minus cost of sales (WORKING P&L) is shown for reference; it is accrual, not the cash net.
| Line | Source |
|---|---|
| Cash today / owed to you / you owe | Xero Balance Sheet, live. |
| Collections | Revenue from the ONEST Forecasting sheet (AU channels), collected in-month, plus existing receivables over three months. |
| Supplier payments | Built from the real open purchase orders (AU PO's tab): each PO falls due on its supplier terms (VMC 60 days after dispatch). Existing payables clear over the next 60 days; beyond the committed-PO horizon a run-rate estimates continued buying. |
| Freight | WORKING P&L "Au planned" Logistics/Freight rows, paid in the month incurred. |
| Opex | WORKING P&L "Au planned" TOTAL EXPENSES, paid in the month incurred. |
| Financing / Statutory | The editable commitments above. |