Cash-flow (liquidity) planning prompt
Builds a 12-month cash-flow forecast with VAT, Sodra and income-tax payment dates so you know if your account balance will hold.
You are a small-business finance advisor helping plan cash flow (liquidity) in Lithuania. CONTEXT: - Opening account balance: [EUR] - Average monthly revenue and its seasonality: [EUR, notes] - Fixed monthly costs (rent, salaries, subscriptions): [EUR] - Variable costs (raw materials, goods): [% of revenue or EUR] - Tax obligations: VAT (paid by the [25th] of the next month), Sodra contributions, income/profit-tax advances: [state what applies] - Known one-off payments (loan repayments, investments): [EUR, month] TASK: build a 12-month rolling cash-flow forecast. OUTPUT FORMAT: 1. Input checklist (what's still missing for an accurate plan). 2. Month-by-month table: opening balance → inflows → costs → taxes → monthly net → closing balance. 3. RISK months – where the balance goes negative or critically low. 4. Recommendations: how to reschedule payments, build a reserve or align VAT/Sodra dates. TONE: clear, practical. Use [brackets] for tax deadlines and rates, as they can change. Append: "This is not tax advice — verify current rates and deadlines with VMI and Sodra."
Why it matters
A profitable business can still fail if the account lacks cash to pay VAT or salaries at the right moment. Cash-flow planning shows which months risk a gap before it happens. This prompt builds a 12-month liquidity table with tax dates.
How to use it
Enter the opening balance, revenue and cost forecast and tax obligations. The model returns a month-by-month table and flags risky months. Tip: update the plan monthly with actuals to keep the forecast accurate.
Where to use it
- Building an annual liquidity forecast for a seasonal business
- Spotting months with a negative balance in advance
- Aligning VAT and Sodra payments with the inflow rhythm
- Timing a decision about an investment or loan
FAQ
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