Small Business Dashboard
Record your sales and costs and see revenue, profit and cash side by side, by week, month or year. The dashboard keeps what has happened (actual) apart from what is projected (forecast), and shows when profit and cash tell different stories.
Fernhill Candle Co. (example): financial dashboard
All amounts in AUD. Actuals through 31 Oct 2026; later dates are forecast. Example figures. Illustrative management estimates only, not accounting, tax, legal or financial advice. Prepared with KJPO, kjpo.com.
Legend: Actual = recorded figures; Forecast = projection of your assumptions; Actual + forecast = a period that crosses the actuals-through date.
Small business dashboard · AUD
Example figures
Actuals through
Show
Everything dated on or before this day is actual; after it is forecast. Saved in this browser only. Nothing is uploaded.
Oct 2026: revenue $25,609, net profit $5,561, net cash flow $4,424.
Key figures
| Last 12 monthsActual, 1 Nov 2025 to 31 Oct 2026 | Next 12 monthsForecast, 1 Nov 2026 to 31 Oct 2027 | Oct 2026Actual | |
|---|---|---|---|
| Revenue | $261,912 | $335,162 | $25,609 |
| Gross profit | $127,153 | $162,656 | $12,431 |
| Net profit | $46,073 | $80,216 | $5,561 |
| Net cash flow | $9,914 | $67,015 | $4,424 |
| Cash in the bank at the end | $21,914 | $88,929 | $21,914 |
What this means
- Actual: Your biggest cost is cost of goods sold (51% of revenue, $13,178).
- Actual: You break even at $14,152 of revenue a month; you are $11,457 above that.
Who owes whom
Customers owe you $12,448; you owe suppliers $2,049 at 31 Oct 2026 (actual).
Cash and runway
| Cash on 31 Oct 2026 (actual) | $21,914 |
|---|---|
| Net burn a month (recent average) | Not burning cash |
| Runway at that burn (estimate) | Not burning cash |
| Cash-out date (forecast) | Not within the forecast |
| Lowest forecast balance | $24,289 on 3 Nov 2026 |
| Balance at the end of the forecast | $88,929 |
| Cash position | Healthy |
Break-even, Oct 2026 (actual)
| Fixed costs | $6,870 |
|---|---|
| Variable costs | $13,178 |
| Contribution margin | $12,431 (48.5% of revenue) |
| Break-even revenue | $14,152 |
| Revenue above break-even | $11,457 |
Scenarios, next 12 months (forecast only)
Scenario figures are added when the report is printed.
Profit and cash, each month
Actual periods are recorded figures; Forecast periods are projections of your assumptions; “Actual + forecast” periods cross the actuals-through date, 31 Oct 2026.
| Period | Status | Revenue | Gross profit | Net profit | Net cash flow | Closing cash |
|---|---|---|---|---|---|---|
| Nov 2025 | Actual | $18,815 | $9,132 | $2,582 | -$1,713 | $10,287 |
| Dec 2025 | Actual | $18,556 | $9,010 | $2,460 | $850 | $11,137 |
| Jan 2026 | Actual | $19,235 | $9,339 | $2,789 | $894 | $12,031 |
| Feb 2026 | Actual | $19,924 | $9,674 | $3,004 | -$5,012 | $7,019 |
| Mar 2026 | Actual | $20,622 | $10,013 | $3,343 | $1,567 | $8,585 |
| Apr 2026 | Actual | $21,330 | $10,356 | $3,486 | -$491 | $8,094 |
| May 2026 | Actual | $21,549 | $10,464 | $3,594 | $2,163 | $10,257 |
| Jun 2026 | Actual | $22,439 | $10,895 | $4,025 | $2,399 | $12,656 |
| Jul 2026 | Actual | $23,173 | $11,251 | $4,381 | $2,803 | $15,459 |
| Aug 2026 | Actual | $24,258 | $11,776 | $4,906 | -$813 | $14,646 |
| Sep 2026 | Actual | $26,402 | $12,811 | $5,941 | $2,845 | $17,490 |
| Oct 2026 | Actual | $25,609 | $12,431 | $5,561 | $4,424 | $21,914 |
| Nov 2026 | Forecast | $25,980 | $12,612 | $5,742 | $12,266 | $34,181 |
| Dec 2026 | Forecast | $26,339 | $12,786 | $5,916 | $4,544 | $38,725 |
| Jan 2027 | Forecast | $26,697 | $12,959 | $6,089 | $4,640 | $43,365 |
| Feb 2027 | Forecast | $27,052 | $13,131 | $6,261 | $3,186 | $46,551 |
| Mar 2027 | Forecast | $27,407 | $13,303 | $6,433 | $5,167 | $51,718 |
| Apr 2027 | Forecast | $27,760 | $13,473 | $6,603 | $2,680 | $54,397 |
| May 2027 | Forecast | $28,112 | $13,643 | $6,773 | $5,394 | $59,791 |
| Jun 2027 | Forecast | $28,463 | $13,812 | $6,942 | $5,420 | $65,211 |
| Jul 2027 | Forecast | $28,813 | $13,981 | $7,111 | $5,730 | $70,941 |
| Aug 2027 | Forecast | $29,163 | $14,150 | $7,280 | $5,828 | $76,769 |
| Sep 2027 | Forecast | $29,513 | $14,318 | $7,448 | $5,928 | $82,697 |
| Oct 2027 | Forecast | $29,863 | $14,487 | $7,617 | $6,232 | $88,929 |
Dashboard
Oct 2026
Actual1 Oct 2026 to 31 Oct 2026Profit (what you earned)$5,561profitRevenue minus costs, after cost of goods sold, expenses and finance costs. down 6.4% on the previous month
Cash (what reached the bank)$4,424cash roseReceipts minus payments, plus owner, loan and equipment movements. Closing cash $21,914.
Profit is what the business earned; cash is what moved in the bank. They differ when customers pay late, bills are paid early or late, or money goes on equipment, loans and owner pay.
Last 12 monthsActual
1 Nov 2025 to 31 Oct 2026
- Revenue
- $261,912
- Profit
- $46,073
- Net cash
- $9,914
Next 12 monthsForecast
1 Nov 2026 to 31 Oct 2027
- Revenue
- $335,162
- Profit
- $80,216
- Net cash
- $67,015
Revenue$25,609down 3.0% on the previous monthActual
Cash received$26,015Payments from customersActual
Gross profit$12,43148.5% margin, after cost of goods soldActual
Operating profit$5,71122.3% margin, after running costsActual
Net profit$5,56121.7% margin, after finance costsActual
Net cash flow$4,424Opened at $17,490Actual
Closing cash$21,914In the bank at the end of the periodActual
Cash runwayNot burning cashCash is not falling on recent monthsActual + forecast
Break-even revenue$14,15244.7% margin of safetyActual
Customers owe you$12,448At the end of the monthActual
You owe suppliers$2,049At the end of the monthActual
Labour22.3%Wages and labour as a share of revenueActual
Revenue and costs
Each month; select one to focus itActual + forecast- Revenue
- Costs
- Hatched = forecast
| Month | Status | Revenue | Costs |
|---|---|---|---|
| Nov 2025 | Actual | $18,815 | $16,233 |
| Dec 2025 | Actual | $18,556 | $16,096 |
| Jan 2026 | Actual | $19,235 | $16,446 |
| Feb 2026 | Actual | $19,924 | $16,920 |
| Mar 2026 | Actual | $20,622 | $17,279 |
| Apr 2026 | Actual | $21,330 | $17,844 |
| May 2026 | Actual | $21,549 | $17,955 |
| Jun 2026 | Actual | $22,439 | $18,414 |
| Jul 2026 | Actual | $23,173 | $18,792 |
| Aug 2026 | Actual | $24,258 | $19,352 |
| Sep 2026 | Actual | $26,402 | $20,461 |
| Oct 2026 | Actual | $25,609 | $20,048 |
| Nov 2026 | Forecast | $25,980 | $20,237 |
| Dec 2026 | Forecast | $26,339 | $20,423 |
| Jan 2027 | Forecast | $26,697 | $20,607 |
| Feb 2027 | Forecast | $27,052 | $20,791 |
| Mar 2027 | Forecast | $27,407 | $20,974 |
| Apr 2027 | Forecast | $27,760 | $21,157 |
| May 2027 | Forecast | $28,112 | $21,339 |
| Jun 2027 | Forecast | $28,463 | $21,520 |
| Jul 2027 | Forecast | $28,813 | $21,702 |
| Aug 2027 | Forecast | $29,163 | $21,883 |
| Sep 2027 | Forecast | $29,513 | $22,065 |
| Oct 2027 | Forecast | $29,863 | $22,247 |
Profit and cash
Earned versus bankedActual + forecast- Net profit
- Net cash flow
- Hatched = forecast
| Month | Status | Net profit | Net cash flow |
|---|---|---|---|
| Nov 2025 | Actual | $2,582 | -$1,713 |
| Dec 2025 | Actual | $2,460 | $850 |
| Jan 2026 | Actual | $2,789 | $894 |
| Feb 2026 | Actual | $3,004 | -$5,012 |
| Mar 2026 | Actual | $3,343 | $1,567 |
| Apr 2026 | Actual | $3,486 | -$491 |
| May 2026 | Actual | $3,594 | $2,163 |
| Jun 2026 | Actual | $4,025 | $2,399 |
| Jul 2026 | Actual | $4,381 | $2,803 |
| Aug 2026 | Actual | $4,906 | -$813 |
| Sep 2026 | Actual | $5,941 | $2,845 |
| Oct 2026 | Actual | $5,561 | $4,424 |
| Nov 2026 | Forecast | $5,742 | $12,266 |
| Dec 2026 | Forecast | $5,916 | $4,544 |
| Jan 2027 | Forecast | $6,089 | $4,640 |
| Feb 2027 | Forecast | $6,261 | $3,186 |
| Mar 2027 | Forecast | $6,433 | $5,167 |
| Apr 2027 | Forecast | $6,603 | $2,680 |
| May 2027 | Forecast | $6,773 | $5,394 |
| Jun 2027 | Forecast | $6,942 | $5,420 |
| Jul 2027 | Forecast | $7,111 | $5,730 |
| Aug 2027 | Forecast | $7,280 | $5,828 |
| Sep 2027 | Forecast | $7,448 | $5,928 |
| Oct 2027 | Forecast | $7,617 | $6,232 |
Cash in the bank
At the end of each monthActual + forecast- Closing cash
| Month | Closing cash |
|---|---|
| Nov 2025 | $10,287 |
| Dec 2025 | $11,137 |
| Jan 2026 | $12,031 |
| Feb 2026 | $7,019 |
| Mar 2026 | $8,585 |
| Apr 2026 | $8,094 |
| May 2026 | $10,257 |
| Jun 2026 | $12,656 |
| Jul 2026 | $15,459 |
| Aug 2026 | $14,646 |
| Sep 2026 | $17,490 |
| Oct 2026 | $21,914 |
| Nov 2026 | $34,181 |
| Dec 2026 | $38,725 |
| Jan 2027 | $43,365 |
| Feb 2027 | $46,551 |
| Mar 2027 | $51,718 |
| Apr 2027 | $54,397 |
| May 2027 | $59,791 |
| Jun 2027 | $65,211 |
| Jul 2027 | $70,941 |
| Aug 2027 | $76,769 |
| Sep 2027 | $82,697 |
| Oct 2027 | $88,929 |
Actual up to 31 Oct 2026; after that the line is a forecast.
Revenue by stream
Oct 2026Actual$25,609revenue
- Online shop$12,869 50% of revenue
- Wholesale$7,280 28% of revenue
- Candle subscription box$5,460 21% of revenue
- Costs this month: $20,048 (AUD).
What this means
In plain English- ActualYour biggest cost is cost of goods sold (51% of revenue, $13,178).
- ActualYou break even at $14,152 of revenue a month; you are $11,457 above that.
Actual figures come from what you recorded; Forecast figures are mechanical projections of your assumptions and recent months. They are illustrative estimates, not predictions.
Business settingsdates, opening cash, payment terms and forecast assumptions
Cash at the start$In the bank on 2025-11-01, when your records begin.
Minimum cash buffer$Cash-out means falling below this amount.
Financial year starts
Forecast horizonmonths3 to 36 months after the actuals-through date.
Customers usually pay afterdaysDefault for invoiced streams.
You usually pay suppliers afterdaysDefault for new cost lines.
Overdue invoices assumed paid afterdaysDays from the actuals-through date.
Forecast from the lastComplete months of actuals used as the run-rate.
Cash burn averaged overMonths used for the runway estimate.
How it works
- Set the date your actuals run through. Anything dated on or before it is actual; anything after it is forecast, and the two are always labelled.
- On Money in, add your revenue streams (recurring subscriptions or one-off sales) and record each sale on the day you invoice it. Add payments as customers pay, so the tool knows the difference between revenue earned and cash received.
- On Money out, add your fixed and variable cost lines, record bills as you are billed, and mark them paid when you pay. Owner pay, loans and equipment go under other cash movements because they change cash but not profit.
- The Dashboard shows the period you select: revenue, gross, operating and net profit, net cash flow, closing cash, runway, break-even, what customers owe you and what you owe suppliers, with charts for each week, month or financial year.
- Everything is saved in this browser. Use Start new to clear the example figures and begin with your own.
Assumptions and method
- Figures are illustrative management estimates, not accounting, tax, legal or financial advice. Amounts exclude sales tax; income tax, depreciation, refunds and credit notes, stock valuation and multiple currencies are not modelled.
- Revenue is counted on the sale or invoice date and costs on the bill date, or evenly across the months you spread them over. Cash is counted on the payment date. Equipment is cash out, not a cost, because assets are not depreciated.
- Forecasts are mechanical projections of the assumptions you enter and your recent months, with no seasonality inferred. They are not predictions, and they never overwrite what you have recorded.
- Run-rate revenue and variable costs are spread evenly across the days of each month, so weekly figures smooth out real weekly patterns. Weeks run Monday to Sunday and a financial year starts in the month you choose.
- A sole trader's own pay is recorded as drawings, which move cash but not profit. If a company pays a director a wage, enter it as a labour cost instead.
Worked example
- In the 12 months to 31 Oct 2026 the example business invoiced $261,912 of revenue and made a profit of $46,073 after cost of goods sold ($134,759), running costs ($79,280) and finance costs ($1,800).
- Profit and cash are different numbers: net cash flow over the same 12 months was $9,914, because cash also moves for customers who have not paid yet ($12,448 was still owed on 31 Oct 2026), equipment, loan repayments and the owner's drawings, none of which are profit.
- Fixed costs of $81,080 against a contribution margin of 48.5% put break-even at $167,010 of revenue for the year, so the business sold 36.2% above break-even.
Privacy
- Your figures stay in this browser. Nothing is uploaded or sent to a server, and no business amounts are sent to analytics.
- The page saves your records in this browser's local storage so they are still here next time. Use Start new, or clear site data, to remove them.