Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
12-month forecast: a coffee kiosk at a ferry terminal
Key assumptions
| Assumption | Value | Source |
|---|---|---|
| Average check | $6.50 | Owner's menu |
| Ingredients and cup per sale | $1.90 | Supplier price list |
| Card fees | 2.5% of revenue ($0.16) | Payment terminal tariff |
| Fixed costs per month | $9,000 | Rent $1,800, staff $6,400, utilities $350, other $450 |
| Start-up spend | $38,000 | Machine and grinders, fit-out, opening stock |
| Loan repayment | $600 per month | Loan offer |
Unit economics
- Revenue per cup: $6.50
- Variable cost per cup: $2.06
- Contribution per cup: $4.44 (68% margin)
Break-even point
$9,000 ÷ $4.44 = 2,027 cups a month, about 68 cups a day over 30 days. The forecast reaches it in month 3.
Monthly forecast
| Month | Cups sold | Revenue, $ | Profit, $ | Cash at month end, $ |
|---|---|---|---|---|
| 1 | 1,500 | 9,750 | −2,340 | 4,060 |
| 2 | 1,900 | 12,350 | −564 | 2,896 |
| 3 | 2,300 | 14,950 | 1,212 | 3,508 |
| 4 | 2,600 | 16,900 | 2,544 | 5,452 |
| 5 | 2,900 | 18,850 | 3,876 | 8,728 |
| 6 | 3,100 | 20,150 | 4,764 | 12,892 |
| 7 | 3,300 | 21,450 | 5,652 | 17,944 |
| 8 | 3,300 | 21,450 | 5,652 | 22,996 |
| 9 | 3,100 | 20,150 | 4,764 | 27,160 |
| 10 | 2,900 | 18,850 | 3,876 | 30,436 |
| 11 | 2,800 | 18,200 | 3,432 | 33,268 |
| 12 | 3,000 | 19,500 | 4,320 | 36,988 |
Year 1 totals: revenue $212,550, operating profit $37,188, cash at year end $36,988.
What the numbers say
- Months 1–2 are the tight spot. Cash drops to about $2,900 in month 2. Keep at least $3,000 in reserve or delay one hire until month 3.
- Summer carries the year. Months 5–9 bring about two-thirds of annual profit, so plan marketing and staff holidays around them.
- Price matters more than volume. Raising the average check by $0.50 lifts year 1 profit by about $16,900; selling 10% more cups adds about $15,000.
- Payback. At the current pace, the $38,000 start-up spend is covered in roughly 13 months.
All formulas are live in the Excel file: change any yellow cell on the Assumptions sheet and every month updates.
Client: Morning Dock, a coffee kiosk opening in March at a commuter ferry terminal. Owner's investment $25,000 plus a $20,000 equipment loan.
The client and all details are made up.
About this service
We forecast a service business from its capacity: billable hours or retainers per person, utilization, hourly or project rates and how many clients you win and lose each month. Salaries, contractor costs, tools and your own pay are set against that, so you see whether the next hire pays off and how long a gap between projects you can survive.
What is included
- What you getForecast tables for your practice: revenue by client type or service, billable capacity and utilization, team and contractor costs, profit, owner pay and cash flow, with assumptions listed. Tables come as text on the order page and as an Excel (.xlsx) file; this is a planning estimate, not financial, tax or investment advice.
- Capacity and utilizationBillable hours each person can sell
- Retainers vs projectsSteady and one-off income apart
- Hiring checkWhen a new hire starts to pay off
- Payment termsCash gaps from 30 or 60-day invoices
- Owner payWhat you can take out safely
How it works
- 1BriefYou share rates, team and clients
- 2CalculationWe work out capacity, costs and cash
- 3DeliveryYou get tables, an Excel file and a summary
What we need from you
Your services and rates, retainers versus one-off projects, team and contractors with costs, billable hours, payment terms, tool and office costs, and how much you want to pay yourself.
We will ask you:
- What services do you sell, and at what rates?
- Who is on the team, and what does each cost?
- How many clients do you win and lose in a typical month?
- How quickly do clients pay invoices?
Compare packages
| Packages | BasicRate and capacity check$19 | Standard12-month forecast$39 | Premium3-year growth plan$79 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Period | per unit and per month | 12 months | 3 years |
| Scenarios | 1 | 1 | 3 |
| Cash flow table | No | Yes | Yes |
| Tables in Excel (.xlsx) | Yes | Yes | Yes |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Does it work for a solo freelancer?
Yes. We plan your billable hours, rates, taxes set aside at a rate you give us, and how much you can pay yourself each month.
Can you show the effect of raising rates?
Yes. Premium compares scenarios, so one can be a rate increase with some client loss.
Do you do my bookkeeping?
No. This is a forecast from your numbers, not bookkeeping or tax filing.