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Räkna.nu

Twelve-month cash flow planner

Track receipts, payments and cash month by month. Closing cash is opening cash plus receipts minus payments and becomes the next month’s opening balance.

Twelve-month cash flow planner

Track receipts, payments and cash month by month. Closing cash is opening cash plus receipts minus payments and becomes the next month’s opening balance.

Your details

Amounts in SEK.

Amounts in SEK.

Amounts in SEK.

Advanced settings

Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit.

Results update instantly

Results

Example using default values

Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit.

Cash after twelve months
SEK 34,000
Lowest cash including opening
SEK 10,000
First deficit month
—
Total receipts
SEK 360,000
Total payments
SEK 336,000
Annual net cash flow
SEK 24,000

Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit.

Twelve-month cash flow planner
MonthOpening cashReceiptsPaymentsNet cash flowClosing cash
1SEK 10,000SEK 30,000SEK 28,000SEK 2,000SEK 12,000
2SEK 12,000SEK 30,000SEK 28,000SEK 2,000SEK 14,000
3SEK 14,000SEK 30,000SEK 28,000SEK 2,000SEK 16,000
4SEK 16,000SEK 30,000SEK 28,000SEK 2,000SEK 18,000
5SEK 18,000SEK 30,000SEK 28,000SEK 2,000SEK 20,000
6SEK 20,000SEK 30,000SEK 28,000SEK 2,000SEK 22,000
7SEK 22,000SEK 30,000SEK 28,000SEK 2,000SEK 24,000
8SEK 24,000SEK 30,000SEK 28,000SEK 2,000SEK 26,000
9SEK 26,000SEK 30,000SEK 28,000SEK 2,000SEK 28,000
10SEK 28,000SEK 30,000SEK 28,000SEK 2,000SEK 30,000
11SEK 30,000SEK 30,000SEK 28,000SEK 2,000SEK 32,000
12SEK 32,000SEK 30,000SEK 28,000SEK 2,000SEK 34,000

Estimate, not a legal decision

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Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

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Analysis & guidance

  • Method

    Track receipts, payments and cash month by month. Closing cash is opening cash plus receipts minus payments and becomes the next month’s opening balance.

  • Example

    Starting with SEK 100 and a normal monthly surplus of SEK 100, an extra SEK 500 payment in month 1 leaves −SEK 300. An extra receipt of SEK 500 in month 2 then leaves SEK 300.

  • Limitations

    Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit.

About this calculator

Twelve-month cash flow planner

Method

Track receipts, payments and cash month by month. Closing cash is opening cash plus receipts minus payments and becomes the next month’s opening balance.

Example

Starting with SEK 100 and a normal monthly surplus of SEK 100, an extra SEK 500 payment in month 1 leaves −SEK 300. An extra receipt of SEK 500 in month 2 then leaves SEK 300.

Limitations

Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit. Recalculate when your circumstances change.

How the calculation works

Method

Track receipts, payments and cash month by month. Closing cash is opening cash plus receipts minus payments and becomes the next month’s opening balance.

Example

Starting with SEK 100 and a normal monthly surplus of SEK 100, an extra SEK 500 payment in month 1 leaves −SEK 300. An extra receipt of SEK 500 in month 2 then leaves SEK 300.

Limitations

Enter exactly twelve monthly adjustments separated by semicolons, using a decimal point. Positive values add receipts and negative values add payments. Month 0 means a deficit at the start; a dash means no deficit. Cash is not accounting profit.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

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