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
$194,657
Owed to you $454,239 · You owe $785,655
Cash today
$194,657
End Jun 26
$71,682
End Jul 26
-$158,258
End Aug 26
-$27,045
Alerts
CRITICAL · Projected cash is negative (-A$158,258) at the end of 2026-07.
CRITICAL · Projected cash is negative (-A$27,045) at the end of 2026-08.
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 |
|---|---|---|---|
| 2026-06 | $724,171 | $324,729 | $399,442 |
| 2026-07 | $638,956 | $309,666 | $329,290 |
| 2026-08 | $659,314 | $326,533 | $332,781 |
| 2026-09 | $1,294,130 | $291,651 | $1,002,479 |
| 2026-10 | $757,242 | $306,733 | $450,509 |
| 2026-11 | $752,899 | $674,792 | $78,107 |
| 2026-12 | $772,534 | $330,925 | $441,609 |
| 2027-01 | $728,189 | $351,508 | $376,681 |
| 2027-02 | $815,293 | $335,732 | $479,561 |
| 2027-03 | $651,436 | $319,478 | $331,958 |
| 2027-04 | $905,976 | $361,683 | $544,293 |
| 2027-05 | $848,389 | $289,913 | $558,476 |
Monthly cash-flow statement
| Month | Opening | + Collections | - Suppliers | - Freight | - Opex | - Financing | - Statutory | Net | Closing |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06 | $194,657 | $562,212 | $392,827 | $28,600 | $159,759 | $104,000 | $0 | -$122,974 | $71,682 |
| 2026-07 | $71,682 | $775,228 | $392,827 | $63,181 | $363,007 | $4,000 | $182,153 | -$229,941 | -$158,258 |
| 2026-08 | -$158,258 | $704,738 | $135,690 incl. $135,690 committed PO |
$65,603 | $368,231 | $4,000 | $0 | $131,214 | -$27,045 |
| 2026-09 | -$27,045 | $1,294,130 | $235,780 incl. $235,780 committed PO |
$54,281 | $327,216 | $4,000 | $0 | $672,853 | $645,808 |
| 2026-10 | $645,808 | $757,242 | $287,790 incl. $287,790 committed PO |
$56,060 | $253,369 | $4,000 | $0 | $156,023 | $801,831 |
| 2026-11 | $801,831 | $752,899 | $232,160 incl. $232,160 committed PO |
$175,287 | $693,441 | $4,000 | $0 | -$351,989 | $449,842 |
| 2026-12 | $449,842 | $772,534 | $168,670 incl. $168,670 committed PO |
$65,000 | $280,413 | $4,000 | $0 | $254,451 | $704,293 |
| 2027-01 | $704,293 | $728,189 | $337,130 incl. $337,130 committed PO |
$67,064 | $282,495 | $4,000 | $0 | $37,500 | $741,793 |
| 2027-02 | $741,793 | $815,293 | $0 | $61,942 | $271,023 | $4,000 | $0 | $478,328 | $1,220,121 |
| 2027-03 | $1,220,121 | $651,436 | $201,460 | $64,444 | $285,346 | $4,000 | $37,000 | $59,186 | $1,279,307 |
| 2027-04 | $1,279,307 | $905,976 | $201,460 | $78,237 | $345,674 | $4,000 | $0 | $276,605 | $1,555,912 |
| 2027-05 | $1,555,912 | $848,389 | $201,460 | $60,346 | $297,798 | $4,000 | $0 | $284,785 | $1,840,697 |
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. |