Financial Obligations Pyramid

3 Make a Profit
2 Break Even
1 Know Your Costs

Progress through each level to build a stronger business foundation

Cash-out

Total Cash-out: $0.00

Cash-in

Total Cash-in: $0.00
Net Cash Flow: $0.00
Enter amounts to see status

History

Date Period Cash-in Cash-out Net Bank Balance Pyramid Level Actions
No entries yet. Save your first period entry to see history here.

AVERAGES

Avg Cash-in: $0.00
Avg Cash-out: $0.00

CUMULATIVE NET CASH HEALTH

$0.00

Running sum of net cash flow

Cash Flow Trends

Forecast Assumptions

Projected Bank Balance

Forecast Table

Period Date Projected Balance
Update forecast to see projections

Understanding the Three Financial Obligations

Obligation 1: Know Your Costs

Understanding exactly what money flows in and out of your business each period. This foundation is essential before you can achieve break even or profit.

Obligation 2: Break Even

When Cash-in equals Cash-out (Net = $0.00). You're covering all expenses but not generating profit. This is the minimum sustainable position.

Obligation 3: Make a Profit

When Cash-in exceeds Cash-out (Net > $0.00). This surplus allows for growth, savings, and investment in your business.

How to Use This Tool Weekly

  1. Set your entry date (usually the end of your chosen period)
  2. Record your actual bank balance
  3. List all money going out (expenses, payments, etc.)
  4. List all money coming in (sales, receivables, etc.)
  5. Review your obligation status and take action accordingly
  6. Use the forecast tab to plan ahead and anticipate cash needs
  7. Export your data regularly as a backup

Pro Tip: Consistency is key. Review your financials at the same time each week to build a reliable picture of your cash flow patterns.