CalcScoutHQ
Home/Workspaces/Small Business Finance
Business workspace

Small Business Finance Workspace

Project twelve months of revenue, gross profit, operating cash flow and ending cash, then compare a baseline with upside and stress cases.

See the revenue required to break even and whether current cash can absorb a slower or more expensive year.
Three-scenario plannerCompare a baseline, upside and stress case Stored only on this device
Scenario AEdit assumptions
Live resultBaseline
Updates instantly
Projected cash after 12 months$177,561
12-month cash change$57,561
Monthly break-even revenue$61,290
Month-one recurring cash flow$2,300
Projected 12-month revenue$847,679
Runway at current burnNo current burn
Decision check

Treat break-even revenue as a floor, then maintain a cash buffer for collection delays and unplanned costs.

Side-by-side resultsWhat changes across the three plans?
MetricBaselineGrowth planStress case
Cash after 12 months$177,561$221,307$18,612
12-month cash change$57,561$101,307-$101,388
Monthly break-even revenue$61,290$65,079$67,544
Month-one recurring cash flow$2,300-$50-$5,440
Projected 12-month revenue$847,679$976,677$658,968
Runway at current burnNo current burn2,400 months22.1 months
✓ No account required✓ Saved in your browser✓ CSV export included✓ Formulas documented below
A connected planning flow

Turn assumptions into a decision you can explain

Begin with a defensible baseline, then duplicate the logic across an upside and stress case. Keep time periods and units consistent so differences come from the decision variable — not mismatched data.

01
Start with cash

Enter available operating cash, not restricted or personal funds.

02
Model recurring economics

Use monthly revenue, gross margin and committed outflows.

03
Run a stress case

Reduce growth or increase costs to test the cash buffer.

Transparent calculation

The core model used here

CORE FORMULAMonthly cash flow = Revenue × (1 − cost-of-goods rate) − operating expenses − debt payments − owner draw and tax reserve

Revenue grows by the selected monthly rate and one-time costs are applied in month one. The model is a cash-planning estimate and does not replace accounting statements.

Before relying on the result

Confirm the assumptions that can change the answer

Revenue is collected in the month shown; receivable delays are not modeled.

Cost of goods is a percentage of revenue and recurring expenses stay constant.

Taxes, financing changes and capital purchases are included only when entered.

Scenario data stays in this browser. CalcScoutHQ does not receive these inputs and no account is required.

Continue the analysis

Verify the key number with a focused calculator

Workspaces connect several assumptions. Use the linked calculators and decision tools to inspect the inputs that have the largest effect on your plan.

Related calculators and tools

Inspect the drivers behind this workspace

Each link keeps its own focused URL for quick use and search discovery.

CalculatorCash RunwayEstimate how many months available cash will cover a monthly net burn rate.Open calculator →CalculatorWorking CapitalCalculate working capital from current assets and current liabilities.Open calculator →CalculatorBreak-EvenCalculate how many units you need to sell to cover fixed and variable costs.Open calculator →CalculatorOperating MarginCalculate operating margin from revenue and operating income.Open calculator →Decision toolCash RunwayPlan how many months cash will last at a selected monthly net burn.Open tool →Decision toolWorking Capital GapEstimate a current-assets versus current-liabilities gap.Open tool →Decision toolBudget VarianceMeasure dollar and percentage variance between a budget and actual spending.Open tool →