ProFinance · Simulator
12-Month Cash Flow Simulator
Watch your cash balance month by month before it happens.
Assumptions
Lowest cash
-$20,088
Ending cash
$15,127
Cash-flow positive
Month 10
| Month | Revenue | Expenses | Net | Cash |
|---|---|---|---|---|
| Month 1 | $80,000 | $120,000 | -$40,000 | $160,000 |
| Month 2 | $86,400 | $123,600 | -$37,200 | $122,800 |
| Month 3 | $93,312 | $127,308 | -$33,996 | $88,804 |
| Month 4 | $100,777 | $131,127 | -$30,350 | $58,454 |
| Month 5 | $108,839 | $135,061 | -$26,222 | $32,232 |
| Month 6 | $117,546 | $139,113 | -$21,567 | $10,665 |
| Month 7 | $126,950 | $143,286 | -$16,336 | -$5,671 |
| Month 8 | $137,106 | $147,585 | -$10,479 | -$16,150 |
| Month 9 | $148,074 | $152,012 | -$3,938 | -$20,088 |
| Month 10 | $159,920 | $156,573 | $3,348 | -$16,741 |
| Month 11 | $172,714 | $161,270 | $11,444 | -$5,296 |
| Month 12 | $186,531 | $166,108 | $20,423 | $15,127 |
🔒 Save scenarios, export to Excel & PDF, run AI analysis, and unlock every simulator.
Unlock Toolkit Pro →Toolkit Pro
Save your scenarios, export to Excel & PDF, run AI analysis, and unlock every simulator — $180/mo, $1,728/yr, or any 3 for $20.
Built by The Crimson Bench · Educational model, not financial advice
About the 12-Month Cash Flow Simulator
Project 12 months of cash from starting balance, revenue, and expenses — each growing at its own rate. Returns the month-by-month cash curve, your lowest point, and when you turn cash-flow positive.
It's built for directional planning: change any assumption and watch the whole projection move, the way a seasoned operator pressure-tests a plan before committing capital. Everything is computed live in your browser — nothing is sent anywhere.
How the 12-Month Cash Flow Simulator Works
The model takes 5 assumptions and returns 3 headline metrics plus a full breakdown. Here is exactly what goes in and what comes out — no black box.
The Inputs
| Assumption | Example value |
|---|---|
| Starting cash | $200,000 |
| Month 1 revenue | $80,000 |
| Revenue growth / month | 8% |
| Month 1 expenses | $120,000 |
| Expense growth / month | 3% |
Worked Example
Every figure below is produced by the live model using the example assumptions above. Change any input in the simulator to see your own numbers.
Lowest cash
-$20,088
Ending cash
$15,127
Cash-flow positive
Month 10
| Month | Revenue | Expenses | Net | Cash |
|---|---|---|---|---|
| Month 1 | $80,000 | $120,000 | -$40,000 | $160,000 |
| Month 2 | $86,400 | $123,600 | -$37,200 | $122,800 |
| Month 3 | $93,312 | $127,308 | -$33,996 | $88,804 |
| Month 4 | $100,777 | $131,127 | -$30,350 | $58,454 |
| Month 5 | $108,839 | $135,061 | -$26,222 | $32,232 |
| Month 6 | $117,546 | $139,113 | -$21,567 | $10,665 |
The Operator's Read
Your cash dips below zero — you'd need a raise or cuts before then. The lowest point, not the ending balance, is what kills companies.
Assumptions & Limitations
- •The model is deterministic: it projects your inputs forward with clear arithmetic, not a Monte-Carlo or probabilistic forecast. It shows one scenario at a time — run several to bracket a range.
- •Defaults are illustrative benchmarks, not your business. Replace every field with your real numbers before drawing conclusions.
- •It abstracts away taxes, financing, seasonality, and one-off events unless a field explicitly captures them. Treat the output as a directional estimate.
- •This is an educational tool, not financial, investment, tax, or legal advice. Validate real decisions with a qualified professional.
Frequently Asked Questions
What does the 12-Month Cash Flow Simulator calculate?
Project 12 months of cash from starting balance, revenue, and expenses — each growing at its own rate. Returns the month-by-month cash curve, your lowest point, and when you turn cash-flow positive. It takes 5 assumptions — Starting cash, Month 1 revenue, Revenue growth / month, Month 1 expenses, Expense growth / month — and returns Lowest cash, Ending cash, Cash-flow positive, along with a full projection table you can export.
How do I use the 12-Month Cash Flow Simulator?
Enter your own figures in the input fields above — Starting cash, Month 1 revenue, Revenue growth / month, and the rest. The model recalculates instantly and shows the resulting Lowest cash and full breakdown. No sign-up needed to run it.
Is the 12-Month Cash Flow Simulator free?
Yes — you can run the simulator and see the headline results for free. Toolkit Pro unlocks the full projection table, Excel/PDF export, saved scenarios, and AI analysis: $180/mo, $1,728/yr, or unlock any 3 simulators for $20.
What's the difference between this and a free calculator?
A calculator answers one question. This simulator models the full picture — multiple linked assumptions, a projection table, and scenario comparison — the way an operator would build it in a spreadsheet, but instantly.
Who built the 12-Month Cash Flow Simulator?
The Crimson Bench's Ivy League-educated operators — the same people we deploy into C-suites. This is the self-serve version of a model they'd build inside a live engagement.
Is this financial advice?
No. The 12-Month Cash Flow Simulator is an educational modeling tool for directional planning — not financial, investment, tax, or legal advice. Validate any real decision with a qualified professional.
Related Finance Simulators
More models in the same category.
5-Year Financial Projection Simulator
A full P&L and cash projection you can defend to any board.
Loan Amortization Schedule
The full year-by-year breakdown of any loan.
Investment ROI-Over-Time Simulator
When does an investment actually pay for itself?
Annual Budget Simulator
Allocate revenue across departments and see the profit left.
Debt Payoff Schedule Simulator
The full year-by-year path out of debt.
Cash Runway Scenario Simulator
Three burn scenarios, side by side.
The Crimson Bench · Est. 2002 · Founded in New York City
Need an operator, not just a model?
Verified corporate accounts only. Ivy League-educated. Flat-rate pricing. 14-day no-cause cancellation.
25,000+ Ivy League Executives · 150,000+ Global Consultants · 48-Hour Deployment