LUMENOR 12-MONTH CASH FLOW PLANNER PRO — US EDITION

Your business is profitable, your order book is full — and yet, some months, the account runs dangerously low. The problem is almost never profit: it is TIMING. You invoice in one month, your clients pay at 30 or 60 days, while suppliers, payroll and taxes leave right away. This professional Excel workbook projects your bank balance month by month across 12 months and shows you the crunch BEFORE it arrives — while there is still time to chase a client, delay a purchase, or draw the credit line.

The core of the system: your real timing, not averages. You set your collection split (e.g., 30% deposit the same month, 50% at +30 days, 20% at +60 days) and your supplier payment delay (cash or net-30). The planner applies that timing to every month: INVOICED sales become real collections, COMMITTED purchases become real payments, and the opening/closing balance chain computes itself, month after month.

Alerts that speak plainly. Every month gets a clear status: ✓ OK, "⚠ Below threshold" when the balance dips under the cushion YOU set, and "⛔ CASH ALERT" when it goes negative — with automatic color flags on the balance. The Dashboard gives you the number that matters at a glance: the LOWEST projected balance AND the month it lands, the count of fragile months, the receivables still open at the horizon end and the net tax payable after the horizon — plus the balance curve and monthly net flows as native Excel charts, always current.

Stress-test the worst before it happens. The Scenarios sheet combines three levers: sales at −10% or +10%, ONE big client paying an invoice extra-late, and an unexpected expense (equipment breakdown, repair) in the month you pick. The Dashboard continuously compares the base case and the active scenario — side-by-side curves, low points and negative months for each version. If a single late client pushes a month into the red, you have just found your real priority.

Built for US small businesses. Monthly or quarterly sales-tax remittance the month after each period (rate configurable — set it to 0 if you do not collect), federal estimated tax payments landing in January, April, June and September, and payroll at LOADED cost in the recurring defaults.

The built-in sample proves it. The pre-filled demo (Columbus, OH remodeling contractor, starting January 2027) invoices $351,200 across the year but collects only $340,255: three months dip below the alert threshold and the balance bottoms at $5,329.00 in April — never negative. Busy, profitable… and fragile in the spring. That is exactly the trap this planner makes visible.

Protected and stress-tested. Every sheet is protected WITHOUT a password: formulas are locked, only the yellow cells accept input (recurring costs keep their Setup default, overridable month by month). Fully verified by independent recalculation: 482 matching value checks per edition and 12/12 edge cases (all-zero inputs, a $500,000 expense month, 100% collections at +60 days, quarterly remittance, scenario switched off) with zero error messages.

Contents: 1 Excel workbook (.xlsx) — 5 sheets (Setup, 12-Month Forecast, Dashboard, Scenarios, complete User Guide).

Compatibility: Microsoft Excel 2016 and later, Microsoft 365, LibreOffice 7 and later. Universal functions only — no macros, no subscription. Your data stays on your machine.

Save time. Save money. Make better decisions.

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