LeverTorque - CashFlowMachine (€)

12‑Month Cash Flow Forecasting System for Small Businesses

Torque CashFlow Machine is a complete, automated cash‑flow forecasting engine designed for entrepreneurs who need clarity, control, and confidence over their financial future. It combines real monthly data, smart growth modeling, VAT tracking, scenario analysis, and visual dashboards into one streamlined tool.

What LeverTorque - CashFlow Machine Does

Automatic Monthly Cash Flow Calculation

Enter your monthly income and expenses in blue input cells — the tool instantly calculates:

• Gross Cash Flow

• Net Cash Flow

• Ending Cash Position

• VAT impact

• Month‑over‑month growth rates

All calculations update live as you enter data.

Real Data → Smart Forecasting

Torque CashFlow Machine uses your actual monthly results to build a rolling 12‑month forecast:

• Forecast begins after your Last Actual Month

• Growth % is smoothed using up to 3 months of real data

• Growth is capped to prevent unrealistic spikes

• Forecast extends all the way to December automatically

This gives you a stable, realistic projection of future cash flow.

3‑Month & 6‑Month Quick Forecasts

The Dashboard shows:

• Next 3 months (Mo1, Mo2, Mo3)

• 6‑month trend

• Forecasted cash position in 12 months

Perfect for short‑term planning and long‑term visibility.

VAT Tracking & Quarterly Filing

VAT is calculated automatically:

• VAT on sales

• VAT on purchases

• Net VAT payable

• Quarterly VAT filing (Mar, Jun, Sep, Dec)

• Cumulative VAT balance

You always know what you owe — and when.

Scenario Analysis (Pessimistic / Base / Optimistic)

Test different business conditions instantly:

• Sales multiplier

• Expense multiplier

• Annual income

• Annual expenses

• Annual net result

• Cash position at year‑end

• Annual VAT payable

See how your business performs under different assumptions.

Break‑Even Analysis

The Scenarios tab also calculates:

• Monthly fixed expenses

• Monthly variable expenses

• Required monthly sales

• Current monthly sales

• Safety margin (in dollars and %)

You know exactly how far you are from break‑even — or how far above it.

Visual Charts & Trend Lines

Automatic charts show:

• Total income

• Total expenses

• Net cash flow

• Ending cash position

• VAT payable over time

Clear visuals make financial decisions easier.

Alerts & Warnings

The Dashboard highlights critical signals:

• Low cash flow

• Negative monthly result

• Upcoming VAT filing

You see problems before they happen.

Key Features at a Glance

• Automated cash flow engine

• 12‑month forecast

• VAT tracking & quarterly filing

• Growth‑based forecasting model

• Scenario analysis (3 modes)

• Break‑even calculation

• Safety margin indicators

• Visual charts & dashboards

• Minimum cash target monitoring

• Fully editable blue input fields

• No macros — works on Excel 2016+ and Microsoft 365