Annual revenue
$0
Annual costs
$0
Net surplus / (deficit)
$0
Operating margin
—
Monthly net result. Red bars are deficit months — the ones that create cash crunches even in a profitable year.
CFO Commentary
Build your budget above, then ask for a CFO-style review — concentration risk, thin months, and cost ratios worth challenging.
How to use this well
- Enter amounts excluding GST/HST — sales tax you collect isn't revenue, and input tax credits mean it isn't a cost either.
- Use "Fill a line" for anything steady (rent, software, insurance), then hand-adjust the seasonal lines.
- Payroll should include the employer's side of CPP and EI — our True Employee Cost Calculator gives you the loaded number per employee.
- A profitable year with three deficit months is still a cash flow problem. Pair this with the 13-Week Cash Flow Forecast before the tight stretch arrives.
- Print / Save as PDF to keep a copy — this page doesn't store your data.