Small-business cashflow planner
See the year before it happens.
Keel helps you plan revenue, payroll, and operating costs in the currency you actually use — then shows the gap, the burn, and the runway left to breathe.
Choose your currency
Figures in the planner follow this choice. You can change it any time — amounts stay the same, only the symbol moves.
Three ways in
01
Plan the cashflow
Log revenue and costs, see the monthly equivalent, and watch twelve months if nothing changes.
Continue02
Work a method
Profit First, runway thinking, zero-based opex, and a boring tax reserve — maps for the next thirty days.
Continue03
Raise the ceiling
A budget cannot outrun a shortfall. Directories of channels that pay for products, retainers, and demand you already have.
Continue
A working principle
Cash without a name is the cash that disappears. Give every unit a job — payroll, tax, profit, operating — until revenue minus jobs equals the plan. Then review once a month, not every hour.
Twelve overhaul tips
Read the playbook01
Write the full picture once
Cash, invoices owed, bills due, payroll, tax. Mystery is expensive.
02
Separate operating cash from tax and profit
One pot is how VAT and a good month both disappear.
03
Know your true runway
Opening cash plus credit, divided by net burn. Not hope.
Keel is a free small-business cashflow planner and startup runway calculator for cash flow forecasts, burn rate, payroll, Profit First, and working capital — not accounting software, not a bank feed. Your figures stay in this browser.