5-year business health and financial engine.
Model working capital, loan EMI and DSCR, tax reserves, inflation, customer churn and a five-year cash-flow outlook for a business.
5-year business health and financial engine inputs
Planning model only; it is not accounting, lending, tax, GST, legal, valuation or investment advice. Income tax, GST input credits, working-capital cycles, depreciation, customer retention, finance terms, compliance costs, bad debt, inventory write-offs and local regulations must be verified with current records and qualified advisers.
View detailed breakdown
| Year | Revenue | EBITDA | Debt service | Tax reserve | Free cash flow | Loan balance |
|---|---|---|---|---|---|---|
| Year 1 | ₹72,00,000.00 | -₹60,000.00 | ₹3,27,644.25 | ₹0.00 | -₹11,00,520.96 | ₹10,17,750.14 |
| Year 2 | ₹77,76,000.00 | -₹58,800.00 | ₹3,27,644.25 | ₹0.00 | -₹4,27,474.39 | ₹8,10,343.88 |
| Year 3 | ₹83,98,080.00 | -₹57,552.00 | ₹3,27,644.25 | ₹0.00 | -₹4,29,508.80 | ₹5,74,308.81 |
| Year 4 | ₹90,69,926.40 | -₹56,293.68 | ₹3,27,644.25 | ₹0.00 | -₹4,31,795.48 | ₹3,05,693.24 |
| Year 5 | ₹97,95,520.51 | -₹55,071.84 | ₹3,27,644.25 | ₹0.00 | -₹4,34,402.25 | ₹0.00 |
Method: The tool estimates operating contribution, required cash tied up in receivables and inventory, debt service, tax reserve, customer lifetime value and a discounted five-year cash-flow view from your editable assumptions.
Inputs used: Currency = INR; Monthly revenue = 600,000 ₹; Gross contribution margin = 45 %; Monthly rent = 80,000 ₹; Monthly payroll = 140,000 ₹; Other monthly fixed overhead = 55,000 ₹; Cash reserve available today = 500,000 ₹; Days sales outstanding (DSO) = 15 days; Inventory days = 20 days; Minimum liquidity buffer = 200,000 ₹; Opening business loan = 1,200,000 ₹; Loan interest rate = 13 %; Loan term = 5 years; Depreciable setup CAPEX = 1,500,000 ₹; Depreciation life = 5 years; Effective income-tax reserve = 25 %; Annual revenue growth = 8 %; Annual rent escalation = 7 %; Annual wage inflation = 9 %; Other-cost inflation = 6 %; NPV discount rate = 14 %; Active customers per month = 1,000 customers; Monthly customer churn = 8 %; Customer acquisition cost = 250 ₹; Gross profit per active customer per month = 270 ₹
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: Planning model only; it is not accounting, lending, tax, GST, legal, valuation or investment advice. Income tax, GST input credits, working-capital cycles, depreciation, customer retention, finance terms, compliance costs, bad debt, inventory write-offs and local regulations must be verified with current records and qualified advisers. Rounding and excluded real-world terms can make an external result differ.
How this 5-year business health and financial engine works
The tool estimates operating contribution, required cash tied up in receivables and inventory, debt service, tax reserve, customer lifetime value and a discounted five-year cash-flow view from your editable assumptions.
A worked example
Enter monthly revenue, gross margin, rent, payroll, reserve and loan terms to see whether operating cash covers debt and working-capital needs.
Does a positive profit guarantee a healthy business?
No. Receivables, inventory, debt principal, tax timing, capital spending and required cash buffers can create a cash shortfall even when the profit-and-loss statement is positive.
Calculations run on your device. Review your results before exporting or sharing them.
Use the stated conversion
Published by ToolMitra — methods and editorial approach.