Part of your small business planner
Will you run out of cash?
A cash-flow forecast lists the money entering and leaving your business each month and ends on one number: your bank balance. Uneven cash flow is the challenge US owners name most often (Federal Reserve, 2024). Answer four quick questions and watch your year of cash play out — with the real tax-remittance timing for a sole prop or a corporation in your country.
Free · US & Canada · 2 minutes
See the month you run low
Answer four quick questions. Watch your year of cash play out, with the real tax timing for a sole prop in your country.
How the forecaster does the math
Profit and cash are not the same thing. Send a $9,000 invoice on net-60 terms and you have earned $9,000 of profit and received nothing to spend. The forecaster models that gap: it collects the share of revenue you actually receive each month, carries the rest to the next, and then subtracts your real costs, your pay, and your taxes. Taxes are the part a spreadsheet gets wrong. Income tax and GST/HST do not leave smoothly; they leave in lumps on fixed dates, and that lump is what sinks owners who looked fine on paper.
| Tax | United States | Canada |
|---|---|---|
| Income tax | Quarterly estimated payments: Apr, Jun, Sep, and the following Jan. | Installments: Mar, Jun, Sep, Dec (when your net owing crosses the threshold). |
| Sales tax | State sales tax is collected from customers and remitted; it is largely pass-through. | GST/HST is remitted on your filing schedule, netted against input-tax credits on your costs. |
| Registration | Depends on state and activity. | GST/HST optional until ~$30,000 in revenue (the small-supplier threshold). |
Current as of Jun 15, 2026 · verify at source
Current as of Jun 15, 2026 · verify at source
Questions, answered
How is this different from a free spreadsheet?
A template gives you empty cells. This forecaster knows the tax calendar. It accrues your income tax and GST/HST and subtracts them on the real remittance dates, so it shows the cash cliff a flat spreadsheet hides: the single month a quarterly tax payment pulls you under.
How does the US and Canada math differ?
The United States pays federal estimated income tax in four installments (April, June, September, and the following January). Canada uses income-tax installments (March, June, September, December) and adds GST/HST, remitted on your filing schedule and netted against the input-tax credits on your costs. The forecaster runs whichever applies to you.
What is the GST/HST small-supplier threshold?
In Canada, you generally do not have to register for or charge GST/HST until you pass $30,000 in revenue over a single quarter or four consecutive quarters. Under it, registration is optional, so the forecaster lets you turn GST/HST off.
What do I get free, and what costs $39?
Free: your verdict and the months ahead, enough to prove the math is real. The Operator's Kit ($39, one-time) keeps the full twelve-month forecast, the best and worst scenarios, save, and export. You pay to keep and calculate, never to look.