Financial planning & forecasting
Where your spending is heading — and when to brace for it.
Current monthly burn
€54,200 / mo
Across all recurring categories
Projected 12-month spend
€650,000
If spending continues at current trend
Cashflow status
Positive
€452,000 on hand · ~8 months runway at current burn
12-month spend forecast
Jul 2026 → Jun 2027 · dashed line = projected
Heads up: Q3 renewal cluster
Historically, August and September carry your heaviest annual renewals — insurance (AXA, Allianz, Hiscox) and several SaaS contracts all renew yearly in this window. Last year this caused a €38,000 spike in a single month. Consider setting aside ~€6,000/ mo from now until August to smooth it out.
Cashflow projection
Net cashflow per month · next 6 months
September dips close to zero net cashflow due to the Q3 renewal cluster — funds are still positive, but the cushion is thin that month.
Recurring renewals calendar
- JunHiscox (Professional indemnity)€3,960 / yr
- JulVodafone Business€10,080 / yr
- AugOffice lease review€81,600 / yr
- SepAXA (Cyber)€4,920 / yr
- SepAllianz (Liability)€4,560 / yr
- SepSalesforce (14 seats)€25,200 / yr