Note about Cashflow Plan Home
(personal, household and home business cashflow planner):
Go here for
details, free download and purchasing as this page mainly relates
to business-related versions of Cashflow Plan.
This a long page! It may advantageous
to print it for off-line study when selecting the most suitable version
of Cashflow Plan.
Cashflow Plan is a range of powerful, easy-to-use software packages for
preparing comprehensive monthly cashflow projections for 12 months
ahead. You can use it for cashflow planning, budgets, business planning,
fund raising etc. for young & established businesses of all sizes
and types. It incorporates a roll-forward facility to help you
to speedily update the projections every month.
Check the benefits of using Cashflow Plan as
compared with spending lots of time and effort constructing your own spreadsheet
planner. Why try to re-invent the wheel when you can buy
and use Cashflow Plan now ?
Cashflow Plan is available in six versions (Free, Micro, Lite,
Plus, Super and Ultra). Each
version can handle either UK/International or US/Canadian
accounting conventions. All versions have the flexibility to handle manufacturing,
distribution and service businesses and are suitable for established
businesses as well as new startups and strategic business units within
major corporations.
Quick Guide to Cashflow Plan Versions
The different versions of Cashflow Plan can handle business with annual
sales ranging from about $/£ 50,000 up to $/£ 100 million
or more. Larger businesses can create separate Cashflow
Plan models for each subsidiary, division or Strategic Business Unit
and then consolidate their key projections (income and cashflow statements,
and balance sheets) using the consolidating tool built into the Super and Ultra versions of Cashflow Plan.
Based on your assumptions, Cashflow Plan compiles fully-integrated
financial projections (income statements, cashflows, balance sheets &
ratios) for the year ahead on a monthly basis, and for the initial three
months on a weekly basis.
Cashflow Plan utilizes Microsoft Excel (versions 5, 7,
8, 95, 97, 2000, XP, 2003, 2007, 2010, 2013, 2016, 365 running with Windows
95/98/Me/NT/2000/XP/Vista/Win7,8,10).
Problem:
More businesses fail for lack of cash than for want of profit.
Solution:
Buy Cashflow Plan now to anticipate your cash
needs.
Six versions of Cashflow Plan are available as follows:
Free is an introductory version which projects
for 6 months ahead. Distributed as free software. DownloadFree Registration
Micro projects for 12 months ahead for very small companies,
sole traders or partnerships.
Distributed as trial and commercial software. Download
trial copyBuy
and use
Lite for small to medium-sized companies, sole traders
or partnerships. Lite is more detailed and powerful than Micro. Distributed
as trial and commercial software. Download
trial copyBuy and use
Plus for medium to larger companies. Plus is more detailed
and powerful than Lite and contains additional planning tools and
facilities. Distributed as trial and commercial software. Download trial copyBuy
and use
Super for substantial companies. Similar to Plus but
includes a greater range of assumptions and additional planning tools.
Distributed as trial and commercial software. Download trial copyBuy
and use
Ultra for substantial companies. Similar to Super but includes a greater range of assumptions. Distributed as trial
and commercial software. Download trial
copyBuy and use
All versions (other than Free) generate monthly
projections for first year with weekly projections for initial three
months. Cashflow Plan Free is virtually identical to
Cashflow Plan Micro except that it generates
projections for 6 instead of 12 months ahead.
Note: If you need projections extending beyond 12 months
for a business plan etc., you should have a look at Exl-Plan,
our range of fully-integrated financial planners which can generate
projections for months and quarters extending to three, five or seven
years. Details and trial-version downloads.
The following table offers you guidance on the suitability of the six
versions for different size firms. The complexity of your business,
sector, detail/sophistication required, planning objectives and your
expertise should also be considered. Also, bear in mind that you can
even use the simplest version of Cashflow Plan to compile high-level,
strategic cashflow projections for a substantial business.
*Incorporates tool for consolidating projections
(i.e. cash flow and income statements plus forecast balance sheets) for
subsidiary businesses using a special Report for Consolidation. This
linked to an additional workbook (Cashflow Plan Consolidator) which facilitates
the consolidation process and includes tools for changing currencies/
denominations and eliminating inter-company transactions.
All versions can handle either UK/International or
US/Canadian accounting conventions, formats etc. The main differences
between the two formats relate to spellings (labor vs. labour etc.);
terminology (stocks vs. inventory etc.); structure of accounts (e.g.
layouts of balance sheets differ); ratio definitions; handling of taxes
on sales, valued added (VAT) and goods & services (GST); and printer
page sizes (European A4 vs. US Letter). Note that the two formats are
not confined to the UK, US, Canada etc. as different currencies symbols
(£, $ etc.) and
denominations (units, 000s, millions or billions) can be specified by
a user.
Cashflow Plan
is being used in over a hundred
countries with the USA, Canada, UK, Australia and South Africa
predominating.
Cashflow Plan contains extensive online help (130+ topics) along with
a 100-page Word-based version of its manual and a series of Flash-based
tutorials (running for 19 minutes) covering setting up Excel, getting
started, the basics and using Quik-Plan. Manuals and tutorials are
included in the download files for all versions
of Cashflow Plan.
A printed
130-page spiral-bound manual (7" x 9") is available
as an optional extra. The Super and Ultra versions
are also supplied with a Cashflow Plan Consolidator Guide which is
included in the download
files for Cashflow Plan Super and Ultra.
The price structure for the five versions of Cashflow Plan is set out
below:
Price Structure
Free
Micro
Lite
Plus
Super
Ultra
Registration Fee (US$)
Free
39*
79*
119*
159*
199*
Registration Methods
Check out all the
registration & purchase options here
Each version of Cashflow Plan comprises several integrated
sub-models residing within the main model as follows:
Detailed assumptions and projections for 12 months ahead (6 months
for Free)
Annualized projections for the first year based on the 12-month
projections (6 month totals for Free)
Weekly cashflow projections for the initial 3 months.
Quick Guide to Cashflow Plan Versions
In addition to detailed monthly cashflow projections, Cashflow
Plan also generates fully-integrated profit and loss accounts (income
statements), balance sheets and ratio analyses for each month and for
the full year. There is also provision for entering an opening balance
sheet.
Get specific information on the scope of Cashflow Plan Freehere.
Primary output from Cashflow Plan (trial and commercial
versions) includes the following:
Over twenty pro-forma reports containing assumptions, cashflow projections,
profit and loss accounts (income statements), balance sheets, performance
reviews and summaries for months and the full year.
Numerous graphs showing key projections, ratios etc. for months for
about 50 variables.
A 10-page Textual Summary Report containing a summary of the projections
in textual form with embedded values, graphs and tables.
The basic specifications of the six versions of Cashflow Plan summarized
below:
Note: If you need projections extending beyond 12 months
for a business plan etc., you should have a look at Exl-Plan,
our range of fully-integrated financial planners which can generate
projections for months and quarters extending to three, five or seven
years. Details and trial-version downloads.
Once loaded, Cashflow Plan automatically extends Excel's
menu system (with about 130 additional options) and adds its own toolbar
and online help system.
This description concentrates on Cashflow Plan Micro,
Lite, Plus, Super, and Ultra.
Note that Cashflow Plan Free is virtually identical
to Cashflow Plan Micro except that it generates
projections for 6 instead of 12 months ahead.
Get specific information on the facilities and features
of Cashflow Plan Freehere.
Cashflow Plan contains dozens of pre-formatted and protected
worksheets incorporating many thousands of formulae, assumption values
etc. Its facilities and features include the following:
Facility for rolling assumptions and projections forward one month
at a time. This enables Cashflow Plan to produce regularly-updated
cashflow projections with only minimal work needed to update assumptions.
Twelve-week cashflow forecasts derived from monthly cashflow projections
for the initial three months.
Quik-Plan tool to enable a user produce first-cut cashflow
projections quickly (i.e. within about 10 minutes).
Cashflow Improver incorporating dynamic projections to help identify
and enhance cash flows.
Tool for monitoring projections based on criteria specified by the
user. These can be used to warn whenever preset limits are exceeded
for liquidity, debt/equity targets etc. (Plus, Super and Ultra versions
only).
Facilities for inserting constant and varying monthly values and
for entering assumptions based on seasonal patterns etc. specified
by the user.
Selective what-if, or sensitivity analysis covering the twelve
months and initial twelve weeks.
Sensitivity-analysis tool for globally changing selling prices, volumes,
direct costs and overheads for the 12 months (Lite, Plus, Super and
Ultra versions only).
Book-marking facility to allow a user mark a location within a worksheet
and to return quickly to it.
Multiple safeguards to protect formulae etc. and help prevent accidental
changes being made to worksheets.
Extensive online help and complete manual contained in a 100-page
Word document and an optional printed spiral-bound manual.
Series of Flash-based tutorials (running for 19 minutes) covering
setting up Excel, getting started, the basics and using Quik-Plan.
Comprehensive set of tailored toolbar buttons.
Error trapping to advise when any of a dozen types of data entry
or calculation errors arise.
Full access to worksheets and formulae to facilitate customization
and expansion.
Super and Ultra versions include these additional planning
tools:
Automatically generated 'what-if' tables which display the
impact of incremental changes in inventories (stocks), receivables
(debtors) and payables (creditors) on the monthly cashflow projections
and bank balances.
Comprehensive tool for consolidating projections (i.e. cashflow
and income statements plus forecast balance sheets) for
subsidiary businesses using a special Report for Consolidation.
This report is linked to an additional workbook (Cashflow Plan Consolidator)
which facilitates the consolidation process and includes tools for
changing currencies/ denominations and eliminating inter-company
transactions.
Cashflow Plan handles a very wide variety of assumption
variables and financial functions. Many of these can be expanded or altered
by the user in order to embrace existing spreadsheet-based data or to
accommodate special user requirements. In addition, Cashflow Plan can
be set to suppress the printing of rows containing no/zero values to
enhance the conciseness and relevance of its output reports.
Quick Guide to Cashflow Plan Versions
Cashflow Plan is an open system which can be expanded
or customized by users. The online help and manual describe almost
twenty techniques or procedures for extending and tailoring Cashflow
Plan. The descriptions below focus on Cashflow Plan Micro,
Lite, Plus, Super, and Ultra.
Note that Cashflow Plan Free is
virtually identical to Cashflow Plan Micro except
that it generates projections for 6 instead of 12 months ahead. Get
specific information on the range of assumptions handled by Cashflow
Plan Freehere.
5.1 Sales, Cost, Inventory & Overhead Assumptions
The range of sales, cost, inventory and overhead expenses assumptions
handled by Cashflow Plan Micro includes:
Monthly sales forecasts for a single sales group with five
product/market subgroups which can be defined by the user.
Facilities for specifying the cost of materials/goods in percentage
terms and for setting material inventory targets.
Direct labor head count and four other user-definable direct/variable
cost categories.
Over fifteen user-definable categories of overhead expense.
Credit terms (up to four months) can be specified for each cost/expense
variable.
The more powerful Lite version accommodates two main
sales groups with separate material cost percentages, inventory targets
and manpower projections as well as a more extensive range of overhead
expenses.
The Plus version handles four main sales groups. It also
accommodates finished goods inventory for each group and includes a
more extended range of direct cost and overhead expense variables.
The Super versions handles six main sales groups and
includes a more extended range of direct cost and overhead expense variables.
The Ultra Plus version handles ten groups.
Note: For each main sales group, a user can enter sales projections
for individual items within the group as well as material cost percentages,
input/output tax rates, inventory levels, receivable/payable (debtor/creditor)
terms specific to each group.
The range of fixed asset, investment and financing assumptions handled
by Cashflow Plan Micro includes:
Fixed assets with provision for handling depreciation (calculated
from original cost or using double declining balance) and additions/disposals.
Separate interest rates for cash balances, overdraft and long-term
debt with facilities for deferring interest payments and receipts.
Facilities for increasing and decreasing long-term debt and assigning
it between short- and long-term liabilities.
Handling of revenue grants/subsidies and non-repayable capital grants.
Share issues, dividends and corporation tax for corporations and
cash injections, drawings and income taxes for sole traders, partnerships
etc.
Lite also accommodates finance leases. Plus, Super,
and Ultra also have facilities for making debt repayments both
inclusive or exclusive of interest.
The Super and Ultra versions
also handle purchases of intangible assets, new investments and accounting
for minority interests. All versions of Cashflow
Plan accommodate the amortization of intangible assets.
5.3 Credit Assumptions & Input/Output Taxes
The range of credit assumptions and input/output tax - Sales Taxes,
Value Added Tax (VAT) and Goods & Services Tax (GST) - facilities
handled by Cashflow Plan Micro includes:
Provision for setting credit terms (up to 6 months ahead) for sales
and related purchases (materials or goods for resale).
Facilities for deferring cash payments relating to many categories
of monthly overheads, capital expenditure, dividends, grants etc.
Where applicable, sales/output tax rates can be set for sales.
Where taxes apply to inputs, there are facilities for defining these
taxes (VAT, GST etc.), setting different tax rates for inputs &
capital expenditure; for specifying tax payment months; and for paying
tax on an invoice or cash-received basis.
Lite allows different credit terms and VAT/GST rates to be applied
to its two main sales groups and related purchases of materials
or goods for resale. Plus accommodates different credit terms
and rates for four main sales groups & related purchases.
The Super and Ultra versions handle credit for six
and ten main sales groups and their purchases respectively.
The Ultra version
also has a facility to allow a user to fine tune (or override) its
calculated cashflows for receivables and payables (debtors and creditors)
on a monthly basis for the twelve months.
All versions of Cashflow Plan incorporate extensive online help covering
over 130 topics including the following:
Very Quick Start
Welcome to Cashflow Plan
Cashflow Planning
Introducing Cashflow Plan
Loading Cashflow Plan for the First Time
Getting Started with Cashflow Plan
Using Cashflow Plan
Changing Cashflow Plan
Support & Assistance
Adapting Cashflow Plan to Different Business Types
How Quik-Plan Handles Assumptions
Guidance on Entering Assumptions
Calculation Error Messages
Cashflow Plan is also supplied with a 100-page Word-based version of
its manual and a series of Flash-based tutorials (running for 19 minutes)
covering setting up Excel, getting started, the basics and using Quik-Plan.
An optional printed 130-page,
spiral-bound manual (7" x 9")
is also available (US$20).
Manuals and tutorials are included
in the download files for all versions of Cashflow
Plan. In addition, the Super and
Ultra versions are supplied with a Cashflow Plan Consolidator Guide which
is included in the download
files for Cashflow Plan Super and Ultra.
For additional guidance, you can watch several How
to ... Tutorials (these are based on Exl-Plan which
shares many common features with Cashflow Plan) covering the basics of
setting and using Cashflow Plan.
As regards support to users, this site contains a regularly updated Frequently
Answered Questions for Users and both telephone and email assistance
are provided to resolve queries about using and expanding Cashflow Plan - see Support for Users.
Because Cashflow Plan is extensively menu driven, minimal Excel expertise
is required to use Cashflow Plan. At the same time, experienced spreadsheet
users can use Cashflow Plan's open approach to extend and modify worksheets
within Cashflow Plan. Very limited Excel expertise (e.g. creating simple
formulae, inserting rows and similar) is needed to make some of the most
powerful and useful changes to Cashflow Plan.
For all versions of Cashflow Plan, users need only a very basic understanding
of income statements, cash flow projections and balance sheets. For the
powerful versions, more detailed knowledge of finance and accounting could
prove useful to make full use of Cashflow Plan's tools and facilities.
The following table indicates prices for upgrading from a trial version
or purchasing the commercial version of Cashflow Plan:
Price Structure
Free
Micro
Lite
Plus
Super
Ultra
Registration Fee (US$)
Free
39
79
119
159
199
Quick Guide to Cashflow Plan Versions
Prices are inclusive of priority airmail postage to any country.
If purchaser is based in Ireland, Value Added Tax (VAT) at 21%
will be added. If located in another European Union country, VAT
will be added unless a bona fide VAT number is specified.
VAT does NOT apply to purchasers outside the European Union.
Purchase a copy of Cashflow Plan Micro, Lite, Plus, Super and Ultrahere.
Download a free or trial copy of Cashflow Plan here.
Note that a downloaded trial copy can be remotely upgraded by email,
fax etc.