Free Tool
Tradesman Cash Flow Planner
See your monthly income vs outgoings — and whether you'll be in the black or red.
Monthly Income
Total value of invoices raised (not necessarily paid yet)
£
Realistic cash you expect to land in your account
£
Grants, interest, sale of equipment, etc.
£
Monthly Outgoings
£
£
£
£
£
£
£
£
Tax Deductions
Amount withheld by your contractor this month
£
Divide your quarterly VAT bill by 3
£
Set aside each month to avoid a large Self Assessment bill
£
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Seasonal reminder: Cash flow for tradesmen typically dips in January–February and August–September. Build reserves in busy spring and summer months so you can cover fixed costs during the quiet periods.
Cash Flow FAQs for Tradespeople
This planner is for guidance only. For personalised financial advice, consult a qualified accountant.