Planner
Revenue and costs
Figures display in British Pound. Weekly, fortnightly, quarterly and yearly convert to a monthly view. One-offs hit the month you assign. Load an example if you want to see the machine working.
Northline Studio. A four-person product studio — subscriptions, retainers, and a modest surplus.
Harbor Coffee. A neighborhood cafe — thin food margins, weekly wages, and rent that does not blink.
Ash & Co. Pre-revenue, post-seed. A grant, a trickle of MRR, and a clock on the remaining cash.
What is in the operating account today.
£38,400.00
Headroom that extends runway. Zero if you do not have one.
£12,000.00
Scenario
This month
SurplusRecurring revenue
£24,800
Monthly equivalent
Recurring costs
£22,050
Monthly equivalent
Monthly net
+£2,750
Surplus after costs
Runway
Cash is growing
Net is not eating cash
- Gross margin
- 100%
- Payroll / revenue
- 55%
- Lowest cash (12 mo)
- £38,400.00
- Cash in 12 months
- £71,400.00
Revenue
Retainers, subscriptions, invoices, product sales, grants.
Monthly eq.£24,800.00
Recurring · £11,200.00/mo
£11,200.00/mo
Invoices · £8,400.00/mo
£8,400.00/mo
Invoices · £4,200.00/mo
£4,200.00/mo
Other · £1,000.00/mo
£1,000.00/mo
Costs
Payroll, COGS, rent, software, tax, debt — everything that leaves.
Monthly eq.£22,050.00
Payroll · £13,600.00/mo
£13,600.00/mo
Tax & compliance · £1,700.00/mo
£1,700.00/mo
Contractors · £1,400.00/mo
£1,400.00/mo
Software · £860.00/mo
£860.00/mo
Rent & facilities · £680.00/mo
£680.00/mo
Marketing · £1,200.00/mo
£1,200.00/mo
Professional · £240.00/mo
£240.00/mo
Insurance · £90.00/mo
£90.00/mo
Other · £280.00/mo
£280.00/mo
Debt service · £450.00/mo
£450.00/mo
Tax & compliance · £1,200.00/mo
£1,200.00/mo
Marketing · £150.00/mo
£150.00/mo
Other · £200.00/mo
£200.00/mo
Twelve-month cashflow
Recurring lines repeat every month. One-offs hit the month you assigned. Ending cash starts from opening cash.
| Month | In | Out | Net | Cash |
|---|---|---|---|---|
| October 2026 | £24,800 | £22,050 | +£2,750 | £41,150 |
| November 2026 | £24,800 | £22,050 | +£2,750 | £43,900 |
| December 2026 | £24,800 | £22,050 | +£2,750 | £46,650 |
| January 2027 | £24,800 | £22,050 | +£2,750 | £49,400 |
| February 2027 | £24,800 | £22,050 | +£2,750 | £52,150 |
| March 2027 | £24,800 | £22,050 | +£2,750 | £54,900 |
| April 2027 | £24,800 | £22,050 | +£2,750 | £57,650 |
| May 2027 | £24,800 | £22,050 | +£2,750 | £60,400 |
| June 2027 | £24,800 | £22,050 | +£2,750 | £63,150 |
| July 2027 | £24,800 | £22,050 | +£2,750 | £65,900 |
| August 2027 | £24,800 | £22,050 | +£2,750 | £68,650 |
| September 2027 | £24,800 | £22,050 | +£2,750 | £71,400 |
Where costs sit
Share of recurring costs, not of revenue.
- Payroll£13,600 · 62%
- Operating£5,100 · 23%
- Tax£2,900 · 13%
- Debt£450 · 2%
Profit First map
A compass, not a law: 10% profit, 50% owner pay, 15% tax, 25% operating — against your actual split of revenue.
Profit target 10%
£2,750
Target £2,480
Actual £2,750
Owner / payroll target 50%
£13,600
Target £12,400
Actual £13,600
Tax target 15%
£2,900
Target £3,720
Actual £2,900
Operating target 25%
£6,950
Target £6,200
Actual £6,950