Small Business Cashflow Model
A twelve-month cashflow workbook with one assumptions tab everything reads from, for small businesses without a finance function.
Simple Runway & Hiring Planner
Four tabs that answer how long the money lasts and what one more person does to that number.
€29
Total price.
01 What's inside
What's inside
- 01runway-and-hiring-planner-copy-link.pdfGoogle SheetsCopy link for the planner: headcount plan, monthly burn, runway chart with the zero-crossing month named, and a three-column scenario comparison. (4 tabs)~90 KB
1 file
02 Specification
Specification
- File formats
- Google Sheets
- File size
- ~90 KB total
- What you need
- Requires a free Google account to copy the sheet.
- Compatibility
- Delivered as a Google Sheets copy link; "Make a copy" places it in your own Drive.
- Downloads to .xlsx if you prefer Excel. The runway chart rebuilds correctly there; the conditional colour on the balance row does not always survive.
- No macros, no Apps Script, no add-ons, no external connections. Everything unlocked and unprotected.
- Employer on-costs are inputs, not assumptions: nothing is pre-filled for any country. Contents are in English.
- Language
- English
- Technical protection
- No DRM. Files are not password-protected.
- Licence
- Commercial licence — what you may and may not do with these files.
- Version
- 1.0
- Updated
- 7 August 2026
- Delivery
- Download link on screen and by email as soon as your payment is confirmed. See how buying works.
03 Suited to / not suited to
Who this is for
Suited to
- Founders deciding whether a hire is affordable and, if so, when
- Small teams with a known balance, roughly known income and a question about timing
- Anyone who has been asked "what is our runway?" and had to build a sheet that evening
Not suited to
- Anyone needing an investor-grade model with a revenue build and a cap table
- Businesses whose income is genuinely unpredictable month to month, where the output will be a shrug with a chart
Note
The planner does arithmetic on figures you supply. It is not financial, tax or investment advice, and it knows nothing about your local employment costs.
04 More previews
More previews
05 Licence
Licence
Commercial licence — what you may and may not do with these files.
06 Buying, delivery and refunds
Buying, delivery and refunds
Note
Because the files are made available immediately at your request, the 14-day withdrawal right ends then. Your rights if a file is faulty are separate and last two years. See Refunds & Withdrawal.
Download link on screen and by email as soon as your payment is confirmed. See how buying works.
07 Version and changes
Version and changes
- Version 1.0Initial release.
08 Questions about this product
Questions about this product
How does it treat employer costs for a hire?
As a number you enter. There is a note listing the components people forget — employer contributions, equipment, software seats, recruitment fees amortised — but no country rates are built in, because they would be wrong somewhere.
Does it model revenue?
Only as a monthly figure you type in, optionally with a growth rate. There is no pipeline, no conversion assumption and no cohort logic. If revenue is the interesting part of your question, this is the wrong file.
Can I compare more than three scenarios?
The scenario tab is built for three side by side. Adding a fourth column means copying the formula block once; the layout is a deliberate constraint, not a technical one.
Is it different from the cashflow model?
Yes. The cashflow model is monthly detail for twelve months, including invoices and tax set-aside. This one is coarse and long: headcount against a balance over twenty-four months, for a single decision.
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