Fiscal year in review
Revenue vs expenses
RevenueExpenses
Cash flow forecast
Revenue streams
= Actual locked in
Revenue seasonality ?
Multipliers applied to forecast revenue · 1.0 = flat · does not affect actuals
Actuals vs forecast
Mark a period complete to lock actuals into the live cash flow view
Period status · click to toggle
Complete — actuals locked into cash flow ·
Pending
Revenue
Expenses
Cash schedule · by channel
Track forecasted cash by channel · set payment timing delays · adjust as the year evolves
Net cash position · Earned vs Cash received
Inflow (received)Outflow (paid)Net position
Scenario modeling
Model upside and downside cases · adjust by year, quarter, or individual month
Adjustment granularity
Full-year comparison · Base vs Scenario
Create a scenario above to model changes to your forecast
Budget vs Actual
Lock your beginning-of-engagement forecast as the budget · track projected year-end landing
Profit first · set-aside calculator
Allocate before you spend · Greg Crabtree methodology
Period allocation
Income: —
The 5 Profit First accounts ?
1 · Income
All revenue lands here first. Nothing gets paid from this account.
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2 · Profit
Your % goes here. Withdraw quarterly — never touch it early.
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3 · Owner pay
Pay yourself from here like payroll — consistent amount, consistent date.
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4 · Tax
Your tax % lives here. Pay quarterly IRS estimates from this account only.
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5 · OpEx
Run your business from here. Only what's left after all allocations.
Transfer day
10th and 25th of every month
The move
Take your Income balance → apply your 4 percentages → transfer each amount to its account. Income balance goes to zero.
Bank tip
Open all 5 accounts at the same bank so transfers are instant. Relay, Mercury, or Relay Pro are built for this workflow.
Loan repayment schedule
Amortization calculator · push payments to cash flow
Amortization schedule
| Period | Opening | Payment | Interest | Principal | Closing |
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Pricing strategy
True cost breakdowns · profit targets by channel · break-even · price testing · promo guardrails
Business type
Cost breakdown · per unit ?
Total COGS per unit
$0
True cost per unit
$0
Channel pricing & targets ?
| Channel | Sell price | Target margin | Actual margin | Profit/unit | Status |
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Price tester ?
Promo rules & discount guardrails ?
Product / SKU list
| Product | COGS override | DTC price | Wholesale price | Platform price | Units/mo est. | Gross rev | COGS cost | Net profit | |
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Service packages ?
| Package name | Hours est. | Price | Effective $/hr | vs Min rate | Margin | Status | |
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Proposals log ?
| Client / project | Package | Quoted price | Final price | Discount | Status | Days to close | Date | |
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Client view · read-only snapshot · · Prepared by Anglade Advisory