Financial plan generator

Understand your result

How this tool works

A financial plan turns your business plan into connected numbers: what you need to start, how you fund it, the profit you expect and when cash arrives. This free financial plan generator calculates four linked budgets over twelve, twenty-four or thirty-six months. Use it for a new business or to explore the consequences of an investment.

Start with your business and first month. Revenue is entered month by month, allowing for quiet and busy periods. The worked example is a webshop with €60,000 revenue in its first year. Replace its seasonal pattern with sales volumes multiplied by a realistic selling price. Spreading an annual figure evenly over twelve months may conceal pressure on cash. Years two and three can have their own revenue growth, while fixed costs use a separate growth assumption.

Next enter investment needs and funding sources. Equipment, initial inventory, start-up costs and your target cash buffer determine the money required at launch. VAT paid upfront forms part of that cash requirement. Owner capital, a loan and other funding provide the cover. A shortfall remains visible and is never filled by an invented loan. Depreciation follows purchase cost, residual value and useful life; interest and principal payments follow the entered loan terms.

The operating budget uses revenue excluding VAT, cost of sales, staff costs and other operating expenses. For a sole trader, personal drawings are not a business expense. For a BV, the entered director salary is included in operating costs. The income or corporate tax percentage is your planning reserve, not a full tax assessment. Use the tax calculators as well and replace example percentages with an appropriate expectation.

The cash-flow forecast follows the actual calendar. Revenue and purchases are distributed over each month’s days, then payment terms shift the cash date. VAT accumulates by month or calendar quarter. VAT payable falls in the following month, while a refund follows your selected delay. This also handles a November start and amounts arriving after the forecast horizon. The lowest cash balance helps you assess possible additional funding.

Compare base, cautious and optimistic scenarios, or enter your own sensitivity. Cautious reduces revenue by 20% and increases fixed operating costs by 10%; optimistic uses 20% more revenue and 5% higher fixed costs. Keep evidence for your assumptions, update the plan monthly and discuss the dossier with your lender. Free PDF and Excel downloads show the numbers. The optional report also records inputs, explanations, sources and the calculation version for a financing application.

View example financial plan · PDFExample Excel with formulas

Common questions

Prepared by the Rekenbox product team at Winstwaker. The listed source references and calculation version make the method traceable. Report a content error Last updated: 2026-09-06. Rekenbox is a product by Winstwaker. The tool applies a calculation model to your inputs; a result or paid report is not a personal assessment by an adviser.