Your starting cash balance at the beginning of the forecast period.
Quick Fill All Months
| Month | Inflow ($) | Outflow ($) |
|---|---|---|
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Final Balance
$23,000.00
Total Inflow
$96,000.00
Total Outflow
$78,000.00
Key concepts for managing cash flow in your New Zealand business
Why is cash flow forecasting important?
Cash flow forecasting helps you predict when your business will have surplus cash and when it might face shortages. This is critical for New Zealand businesses, especially around GST payment dates (the 28th of the month following the taxable period) and provisional tax due dates.
GST and cash flow
If your business is GST-registered (compulsory if turnover exceeds $60,000), you need to account for GST collected and GST paid in your cash flow. Remember that GST collected is not your money -- it must be remitted to the IRD. Plan your outflows to include GST payments.
Provisional tax impact
If your residual income tax is over $5,000, you will need to pay provisional tax in instalments. Factor these payments into your cash flow forecast. The standard option requires three payments per year, while the AIM (Accounting Income Method) uses GST periods.
Note: This calculator provides a simplified cash flow projection. It does not account for seasonal variations, delayed payments, or tax obligations automatically. For comprehensive cash flow management, consult a qualified chartered accountant.
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Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms