Finance · Iconic Business Owner
Get a clearer picture of your money
Start with the cash you expect to receive and the bills due next. Or choose a guide on tax, bookkeeping, funding or getting paid.
Free spreadsheet
Your 12-month cash flow forecast
Start with your current bank balance, then enter the money you expect to receive and spend each month. Each month’s closing balance becomes the next month’s starting point, so you can see when cash may run low and plan ahead.
Download the cash flow template ↓Read the forecasting guideFinance guides by task
Build a finance routine that fits your stage
Starting out. Keep business transactions separate, record expenses from your first sale and choose a bookkeeping system you can maintain. Estimate your tax set-aside using guidance for your location and business structure.
Growing. Review your reports monthly. Compare cash on hand with payroll, rent and upcoming bills to choose a reserve that fits your payment cycle. Track a useful measure, such as gross margin, and consider bookkeeping help if the records regularly fall behind.
Scaling. Update a rolling 12-month forecast, assign budgets to teams and keep a small dashboard of the figures you use to make decisions. Review your tax planning with a qualified adviser in your region.
Working in Australia, the US, Canada or the UK? When a guide mentions a tax deadline, VAT, GST or insurance, check which country and business structure it covers before applying it.