Simplified budget for 3, 6 and 12 months: revenue, costs and cash

Cash planning and income statement

How much cash will I need over the next twelve months?

This tool builds a simplified budget from a few inputs: steady-state revenue, variable and fixed costs, staff, investments, financing and taxes. It shows in real time the income statement over 3, 6 and 12 months, cash month by month, the peak funding need and three revenue scenarios, and lets you receive the report as a PDF.

The budget

How the calculation works

Revenue and collections

The starting point is steady-state revenue, with a linear ramp-up over the first months or month by month, and the VAT rate. Collection terms shift cash against revenue: part can be collected immediately and the rest later.

Costs and staff

Variable costs are a percentage of revenue; fixed costs are entered in six monthly items. Employees are entered by number, monthly cost and start month. For the owner you enter drawings and social contributions: the tool does not estimate them.

Cash, taxes and scenarios

Cash reflects VAT (monthly or quarterly settlement), taxes, investments, loan instalments and opening cash. The funding need is the lowest point of cash. The prudent (revenue minus 15%) and favourable (plus 10%) scenarios are compared with a minimum liquidity reserve.

Assumptions and limits

What it does not consider

Regional and municipal personal income tax surcharges, tax credits, other income, prior losses, interest deductibility limits, non-deductible costs, the December VAT advance, pro rata, cash-basis VAT and inventories are not modelled.

The flat-rate regime

For the flat-rate regime, income is computed with the profitability coefficient of the ATECO code; exceeding the 85,000 euro revenue limit is flagged with a warning.

Typical sector values

The tool does not suggest cost ratios by sector: cost fields stay empty until you fill them in, because no official source giving them by ATECO code was used.

Notice and sources

This is an indicative simulation and does not replace professional advice: results depend on the data entered and on the stated assumptions. If you use the same browser, the aggregate budget figures prefill the crisis indicators and organisational structures tools; a button deletes them. The tool is available in English, while the legal references are to Italian law.

Last legal check: 7 November 2026. Sources: Presidential Decree 633/1972 art. 16; Presidential Decree 100/1998 art. 1; Presidential Decree 542/1999 art. 7; TUIR (Income Tax Code) arts. 11 and 77; Law 190/2014 Annex 4; CNDCEC, Il budget di tesoreria (19 May 2026).

Related services and tools

Our services on these topics: Outsourced CFO, Business consulting, Strategic consulting.

Other tools: Crisis indicators and break-even, Organisational structures checklist.

Learn more

Tax and accountingBookkeeping, tax compliance and tax returns for companies, sole traders and professionals. VAT number and small businessesStarting up, tax regimes and compliance for small businesses. Partnership or limited companyComparison of the tax and social security burden on the owners. ResourcesTools, registers, whitepapers and updates from the firm.

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Frequently asked questions

What does the “Simplified budget for 3, 6 and 12 months: revenue, costs and cash” tool do?

This tool builds a simplified budget from a few inputs: steady-state revenue, variable and fixed costs, staff, investments, financing and taxes.

How does “Simplified budget for 3, 6 and 12 months: revenue, costs and cash” work?

The starting point is steady-state revenue, with a linear ramp-up over the first months or month by month, and the VAT rate. Collection terms shift cash against revenue: part can be collected immediately and the rest later. Variable costs are a percentage of revenue; fixed costs are entered in six monthly items.

What assumptions and limits does “Simplified budget for 3, 6 and 12 months: revenue, costs and cash” have?

Regional and municipal personal income tax surcharges, tax credits, other income, prior losses, interest deductibility limits, non-deductible costs, the December VAT advance, pro rata, cash-basis VAT and inventories are not modelled.

Does “Simplified budget for 3, 6 and 12 months: revenue, costs and cash” replace professional advice?

This is an indicative simulation and does not replace professional advice: results depend on the data entered and on the stated assumptions. If you use the same browser, the aggregate budget figures prefill the crisis indicators and organisational structures tools; a button deletes them. The tool is available in English, while the legal references are to Italian law.