Financial Projection Online Calculator

Last modified September 30th, 2019 by Michael Brown
Sorry, the online calculator is not suitable for mobile screens, please view on a larger screen or alternatively download our Financial Projections Template for use offline.

This 3 year financial projection calculator is a free online tool. The calculator produces income statements, balance sheets, and cash flow statements for the next 3 years, and provides a quick and easy way to test the outline feasibility of your business idea.

Simply enter the amounts in the highlighted input cells and hit the 'Calculate' button. All amounts entered will be rounded to the nearest integer.

The contents of this calculator will be lost if you reload the page or press the reset button.

3 Year Financial Projections

Income Statement
% Year 1 Year 2 Year 3
Revenue
Cost of sales 18000 33750 45000
Gross margin 22000 41250 55000
Operating expenses
Depreciation 5000 14000 11600
Operating income 1000 8250 18400
Finance costs 600 2329 1874
Income before tax 400 5921 16526
Income tax expense 80 1184 3305
Net income 320 4737 13221

Balance Sheet
Days Opening Year 1 Year 2 Year 3
Cash 1 3882 7595 15841
Accounts Receivable 4932 9247 12329
Inventory 4438 8322 11096
Current Assets 16000 13252 25164 39266
Long-term assets 20000 56000 46400
Total assets 36000 33252 81164 85666
Accounts Payable 2959 5548 7397
Other liabilities 2742 3701 4961
Current Liabilities 6000 5701 9249 12358
Long-term debt 12231 46858 35030
Total liabilities 21000 17932 56107 47388
Capital 10000 15000 15000
Retained earnings 5000 5320 10057 23278
Equity 15000 15320 25057 38278
Total liabilities and equity 36000 33252 81164 85666

Cash Flow Statement
Year 1 Year 2 Year 3
Net income 320 4737 13221
Add back depreciation 5000 14000 11600
Changes in working capital 1331 -4651 -2747
Cash flow from operating activities 6651 14086 22074
Amount paid for long term assets 2
Cash flows from investing activities -5000 -50000 -2000
Proceeds from long-term debt
Proceeds from issue of new capital
Repayment of long-term debt -2769 -11373 -11828
Cash flows from financing activities -2769 39627 -11828
Cash flow -1118 3713 8246
Beginning cash balance 5000 3882 7595
Ending cash balance 3882 7595 15841
1 Cash in the Balance Sheet should always be positive
2 Amount paid for long term assets should be entered as a negative amount
Notes and major health warnings Users use this financial projection calculator at their own risk. We make no warranty or representation as to its accuracy and we are covered by the terms of our legal disclaimer, which you are deemed to have read. This is an example of an financial projection accounting format that you might use. It is purely illustrative. This is not intended to reflect general standards or targets for any particular company or sector. If you do spot a mistake in the financial projection calculator, please let us know and we will try to fix it. The statements produced are for your own use to give a guide as to the feasibility of your business idea and are not suitable for submission to third parties.