Finance · Melbourne, VIC

Giving a Private Client Clear Cashflow Forecasting and Confident Income Decisions

A Melbourne private client wanted a clearer view of their cash flow and investment income and a more reliable way to plan ahead. Income arrived in seasonal and periodic lumps while monthly commitments did not and key decisions about distributing income and minimising tax were being made without the full picture. OfficePro Consulting built a private planning tool that forecasts cash flow, smooths uneven income, models distribution and tax options and shows the income required to cover everything.

Private client tool

2 weeks, brief to delivered

React · TypeScript · Azure

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2 weeks

From brief to a delivered tool

One clear figure

The income needed to cover every commitment

What-if built in

Test a decision before making it

3 areas in one view

Personal, investment and business

The challenge: planning without the full picture

The client's approach to cash flow and income planning was manual and time consuming and it did not give them the right information at the moment they needed it.

Income in lumps

Investment and business income arrives in seasonal, periodic lumps

Commitments don't wait

Monthly commitments fall steadily across the month

Uneven cash flow

Low points hidden

Hard to see when balances reach their lowest

No forward view

Deciding blind

Distribution and tax decided without the full picture

Partial information

Manual planning

Slow work on partial information, redone each time

Lumpy

Seasonal, periodic income against steady costs

Hidden

Low points hard to see in advance

Partial

Decisions made without the full picture

Reactive

Planning by rework, not a forward view

What we built

A private and secure planning tool, built on sound accounting, investment and financial modelling principles. It brings cash flow forecasting, income planning, distribution modelling and scenario analysis into one place, designed around how the client actually earns and spends.

Cashflow Planner

12-month balance forecast Projected balance

Income needed (before GST)

$18,500 per month

Any surplus is directed to buffer and savings

What-if

Distribution to Beneficiary B 60%

New income needed $17,900 / month ▼ $600

How it works

The tool works backwards from what is known. Commitments are fixed and visible, so rather than starting from an income guess it solves for the income needed, before GST, to cover everything, then directs any surplus into buffer and savings in a clear priority order. It forecasts cash flow across personal, investment and business, projecting balances forward so the client can see the lowest point ahead and the runway through quieter periods. A what-if sandbox lets the client test a change to income, a distribution or a commitment and see the effect on the income required before committing to it.

Delivery stages

Foundation

Private to the owner

Forecasting and break-even

The income figure

Cash flow calendar

Forward view of balances

Tracking and allocation

Plan against actual

Scenario and tax options

What-if and distribution

Reliability

Plans kept safe

Project snapshot

TypeNew build

Timeframe2 weeks

UsersSingle owner

AccessPrivate to owner

Coverage3 areas

HostingMicrosoft Azure

Technologies

ReactTypeScriptAzure

A React and TypeScript front end on a tested financial model, hosted privately on Azure.

Related services

Reporting and Analytics Spreadsheet Solutions Custom Web Apps Custom Code Automation

The results: planning ahead with confidence, not partial information

What changed in how the client plans, forecasts and decides.

On demand

The planning approach

Manual, slow→Forecasts on tap

Clear figure

Information when deciding

Partial and late→A forward view

Smoothed

Uneven income

Hard to plan→Now plannable

Tested

The decisions

Reactive→What-if first

The client now plans ahead with confidence instead of working from partial information. The income needed to cover every commitment is a single figure on screen and it updates the moment anything changes. Seasonal and periodic income is smoothed against steady commitments, so the client can see whether quieter periods stay funded and where balances reach their lowest point before it happens. Distribution and tax decisions are modelled rather than estimated and scenario analysis lets the client test a decision before making it, which turns reactive admin into forward planning. Underneath it sits a tool grounded in proper accounting and financial modelling, private to the owner and built to keep their plans safe.

Facing a similar challenge?

Tell us what your team is dealing with. We will show you what is possible.

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Ready to forecast with confidence?

Tell us how you plan cash flow and income now and where it gets hard to see what's coming. We'll give you an honest read on whether a tool like this is worth building and what it would take. If it's not the right move, we'll say so. No commitment, no sales pitch.

contact@officeproconsulting.com.au

1300 160 336Talk to an Australian consultant

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