FirmGround Advisory
Book a call
Free tool

How healthy is your cash flow?

Enter seven figures from your last 12 months of accounts. You'll see six measures of cash and profit health straight away, each explained in plain English.

Step 1

Your figures

Showing example figures for a $1.5m trades business.
Profit and loss · last 12 months · ex GST
$
Total income from customers, excluding GST
$
Materials, stock and direct labour used to make your sales
$
All other running costs: rent, office wages, vehicles, insurance, software and interest. Include a fair wage for each working owner if the business doesn't already pay one. Leave out income tax.
Balance sheet · today
$
If you're in overdraft, enter the overdrawn balance as a negative number, like -25,000
$
Unpaid customer invoices (trade debtors), including GST, as your aged debtors report shows them
$
Enter 0 if you don't hold stock
$
Everything you owe today that falls due in the next 12 months (current liabilities)
What to include and what to leave out

Include, as owed today

  • Unpaid supplier bills
  • GST, PAYG withholding and super owing
  • Wages owing and staff leave balances
  • Income tax owing and any ATO payment plan balance
  • Credit card balances
  • Loan principal due in the next 12 months
  • An overdraft, unless you entered it as negative cash above

Leave out

  • Costs you haven't incurred yet, such as next year's rent, wages or BAS
  • Loan principal due after 12 months
  • Interest on future loan repayments

Example: your March BAS of $18,000 is still unpaid. Include it. Next quarter's BAS isn't owed yet, so leave it out. Your balance sheet's "current liabilities" total is the figure you want.

Step 2
-out of 100

Your cash health score

Enter your figures to see your score.

Step 3 · Free PDF report

Keep a copy of your results

Your report includes your figures, your score, all six measures and three things to do next. It saves as Your Business Name - 2026-01-01.pdf.

Next step

Want to know what to do about it?

Book a free 30-minute call and we'll talk through your results. Or get a full Financial Health Check: a written report comparing your numbers with your industry, with an action plan.

Book a free discovery call Take the Business Health Score

General information only, not personal financial or tax advice. The ranges used are general guides for small and medium Australian businesses. What's healthy for your industry may differ. Your figures stay in your browser unless you request a PDF. When you do, FirmGround Advisory receives a copy of your report, as our Privacy policy explains.