Free Planning Tool

Free seasonal cash flow planner for service businesses

Enter your monthly revenue estimates and costs to see exactly which months will drain the bank account before they arrive. Runs in your browser. No signup, nothing stored on a server.

Month	Est. Revenue	Fixed Costs	Variable Costs	Net Cash	Cumulative
Annual totals	—	—	—	—

What the planner includes

Everything a seasonal service owner needs to see the full year before spending it.

Monthly revenue estimates — a row per month to enter expected gross revenue, which varies sharply for lawn care, snow removal, and holiday lighting businesses
Fixed monthly costs — rent, insurance, loan payments, software subscriptions, and owner draw that occur every month regardless of revenue
Variable costs as a percentage — labor, materials, and vehicle costs that scale with work volume, expressed as a percentage so they adjust automatically as revenue changes
Month-over-month cash flow — the net cash in or out each month, showing exactly when the slow months will drain the bank account
Cumulative cash position — the running total starting from an opening balance, so the owner can see how low the balance will get and when
Break-even month — the first month where cumulative inflows return above the minimum comfortable balance
Low-cash warning — a highlighted alert for any month where the cumulative position drops below the minimum comfortable balance
Annual totals — total revenue, total costs, and total net cash for the year at a glance

Track actual cash flow monthly with Claver

Claver pulls actual invoiced revenue and job costs at the end of each month so the comparison between plan and actual is automatic. When a month's revenue is coming in 20 percent below the estimate, the system shows it in real time rather than at month-end close. The planner built with this tool becomes the budget that Claver's reporting measures against.

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Starts at $19/mo flat. No per-seat fees. Cancel anytime.

Frequently asked questions

How do I manage cash flow in a seasonal service business?

Build a 12-month projection of monthly revenue and fixed costs before the season starts. Identify the low-revenue months and calculate exactly how much cash the business needs to carry from the high-revenue months to cover the gap. Most seasonal businesses need 2 to 3 months of operating expenses in reserve to avoid borrowing during slow periods.

Is this cash flow planner really free?

Yes, the seasonal cash flow planner is free with no signup, no credit card, and no data stored on a server, so the revenue and cost information stays on the device.

What is the difference between profit and cash flow?

Profit is the difference between revenue and costs on paper. Cash flow is the actual timing of money moving in and out of the bank account. A business can be profitable on an annual basis but run out of cash in January if most of the revenue comes in summer and the fixed costs keep running all year.

Free seasonal cash flow planner for service businesses

What the planner includes

Track actual cash flow monthly with Claver

Frequently asked questions

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