Start With the After-Tax Income You Need
Use the number from your personal audit, worked out from your household's bills, savings and tax, or type in a target of your own.
Financial Projections for the Business You Actually Want to Run
Most owners do everything. Design the business where you do only the work you love, then see month by month how it gets there and when it pays the after-tax income you need.
4 Trial Forecasts Free, No Account Needed
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From the Income You Need to the Business That Pays It
Design the Business You Want at Month 24
Sales, direct costs and running costs two years from now, line by line. Keep what you do today, or change it toward the work you want to do.
Place Every Big Purchase in the Month You'll Make It
Equipment, software, a launch campaign: each leaves cash in its month and is spread over the years you use it, so the cash low is real.
Draw Each Line Month by Month, the Way Your Year Goes
A slow winter, a spring ramp, a launch in month 10: every sales and cost line follows the curve you draw, not a straight line.
Know the Cash It Takes to Get There
The most cash the plan needs before it pays for itself, split into purchases and the losses on the way, so you know what to set aside.
See the Month It Pays You
Every milestone on one timeline, and the month your business and personal income together cross the number you need.
Walk Every Quarter From Sales to the Cash in the Bank
Income, outflows and tax down to what you keep against your goal, then beginning cash to ending cash, by quarter or by month.
Pressure-Test the Plan Before You Commit
Ask Why the Plan Says What It Says
It reads the design on your screen and explains its timing and trade-offs.
Any paid plan, drawn from your monthly credits
Why launch the Circle later?
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You
Why not launch the Circle membership right away?
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Occam
A community needs members who already know your work. Launching it in month 10 gives the courses time to build that audience, and the Community Manager only starts once there is a community to manage, so nothing is paid for early. At month 24 the Design plans 500 members at $39 a month.
Settle the Path With an Expert
Get a read from someone whose deal models went before lenders and investment committees.
Advisory plan, a reply within 24 hours
Eight years building the models lenders, buyers and investment committees decide on, at Bank of America Merrill Lynch, EagleTree Capital and Thermo Fisher Scientific.
Meet JoaoA Projection Is Only as Good as the Numbers It Starts From
Set the Number It Has to Reach
The take-home target every projection is measured against comes from your household's bills, savings and tax, not a round guess.
Start From Today's Numbers
Your live business's revenue, costs, cash, debt and owned equipment are copied in as month one, so the path starts where you are.
“I had a spreadsheet of expenses but no real plan. I was trying to figure out how to monetize, whether to seek funding, how to grow — all at once. I went from a list of costs in Google Sheets to interactive cash forecasting - game changer!”
Our Projections vs. a Spreadsheet and Forecasting Software
| What you get | Occam's Model | A Spreadsheet | Forecasting Software |
|---|---|---|---|
| Measured against what you need to take home | Yes | No | No |
| Tax worked out for how you're set up: LLC, S-Corp or C-Corp | Yes | If you build it | Mostly not |
| Big purchases placed by month and spread over their life | Yes | If you build it | Some |
| Years three to five, from the same design | Yes | By hand | Usually |
| Free to build; results need a plan | Yes | Free | Mostly paid |
Common Questions
How do I make financial projections for a business I haven't started?
Start from scratch and set the monthly income you need. Describe the business at month 24, place the big purchases, draw the path, and the projection shows how much cash it takes to get there, when it turns profitable and when it pays you that income.
What's the difference between a financial projection and a cash flow projection?
A financial projection covers profit, cash and tax together; the cash flow projection is the part that says what's in the bank each month. Here the cash line is where the headline figures come from: the most cash the plan needs, and the month the balance turns.
How far ahead should I project?
Two years, month by month: far enough for purchases, launches and a seasonal low to play out, close enough to check against real months as they arrive. With a paid plan, years three to five extend the same design, for the long view a lender or business plan asks for.
Is it free?
Every input step is free, and four trial projections from a one-sentence description need no account. Your own results, years three to five and side-by-side comparison come with a paid plan.
When should I move my projections off a spreadsheet?
When the spreadsheet stops answering your real questions: what a purchase does to your cash low, how tax changes with your setup, or whether the plan pays you enough. That's the analysis a finance consultant would run, at a fraction of the cost.
Does it connect to my bank or bookkeeping?
No. A projection starts from a copy of the numbers you've set up for your business on the platform, from uploaded files or typed in, or from scratch for a new idea.