How to use this template

Save the template (XLT file) to your computer. Double-click on it to create a new plan, then follow these steps:
Step 1 Set a starting point for your projections Start date Step 2 Step 3 1/1/2009

Set-up costs Use the set-up costs sheet to calculate the cost of setting up your business. Profit and loss forecast Forecast your month-by-month profit and loss for the first 12 months of operations. Enter sales in the month when they're invoiced, rather than the month when they're paid.

Step 4

Cash flow forecast Forecast your month-by-month cash flow for the first 12 months of operations. Enter sales revenue in the month when it's received, rather than the month when it's invoiced.

Step 5

Balance sheet forecast Forecast your balance sheet position at the end of the first 12 months of operation. The balance sheet draws on the figures you've entered in your profit and loss forecast.

Step 6

Break-even analysis Find out how many sales you need to make in the first 12 months to cover your fixed costs and break even.

Tips
■ ■ ■ ■ Enter figures in any white field. The yellow fields are calculated for you. Enter as much or as little information as you like. The more information you record, the better your analysis. By default, the sheets in this template are locked, so that the formulas cannot be changed. If you are a confident Excel user, you may wish to unlock a sheet and modify it. Please send any feedback or questions to cashflow@cba.com.au

Important information

The figures shown in this Financial Forecast spreadsheet are intended as a guide only. It has been prepared without considering your objectives, financial situation or needs. Before acting on the calculations in this spreadsheet, you should consider its appropriateness to your circumstances. The Commonwealth Bank accepts no responsibility for any financial loss resulting from the use of this spreadsheet. We recommend you seek professional advice before acting on the information or calculations contained in it.

Set-up costs Setting up the business Accountant's fees Solicitor's fees Business registration Domain name registration Insurance premiums Licences Workers compensation Setting up the premises Lease deposit and advance rent Fitout Utility bonds and connection Stationery and office supplies Plant and equipment Equipment Vehicles Telecommunications Computers and software Starting operations Advertising and promotion Raw materials and supplies Working capital Start-up capital Equity investment Borrowings Total $0 The result Total set-up costs Surplus funds Borrowings required $0 0 0 .

00 .00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Feb Mar Apr May Expenses Accounting fees Advertising Bank charges Bank interest Depreciation Electricity and gas Equipment hire/lease Insurance Legal fees Motor vehicle expenses Postage.00 $0.Profit and loss forecast Jan Sales Sales (invoiced) Cost of goods sold Gross profit $0.00 $0.00 $0.00 $0. telephone and fax Stationery Rent Repairs and maintenance Security Sundries Superannuation Transport/courier costs Wages Workers compensation Total $0.00 Result Net profit Gross profit margin Net profit margin $0.00 $0.00 $0.

00 $0.00 .00 $0.00 $0.Jun Jul Aug Sep Oct Nov Dec $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.

00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.Totals $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 .00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.

00 $0.00 $0.00 $0.00 $0.00 $0.00 Outgoing Fixed costs Administration Marketing Operations Variable costs Administration Marketing Operations Total $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #VALUE! $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.Cash flow forecast Jan Starting cash position Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals Incoming Cash sales Collections from accounts receivable Other cash receipts Total $0.00 $0.00 $0.00 $0.00 .00 $0.00 $0.00 $0.00 $0.00 Result Change during month Closing cash position $0.00 $0.00 $0.00 $0.00 $0.00 #VALUE! $0.

Balance sheet forecast As at December 2009 Assets Current assets Cash Petty cash Accounts receivable Stock Short-term investment Prepaid expenses Long-term investment $0 Fixed assets Land Buildings Improvements Equipment Furniture Motor/vehicles $0 Total assets $0 Liabilities Current liabilities Accounts payable Interest payable Taxes payable Income tax Sales tax Payroll accrual $0 Long-term liabilities Borrowings $0 Total liabilities Net assets $0 $0 Owner's equity Retained earnings Current year earnings Total equity (should equal net assets) $0 $0 .

Break-even analysis Average selling price per unit Average cost of each unit Gross profit margin Fixed costs Dollar sales to break even Number of unit sales to break even $0 .

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