Sample business
Sample business cash-flow read
Based on data as of 2026-08-31
Built from a fictional cafe's twelve months. The figures are computed by the same engine that would read your own statements, but none of this is your data — and nothing here is sent anywhere or saved to your device.
Monthly business cash-flow table
12 months of statements in this space
- Money in
- ₩98,850,000
- Money out
- ₩42,837,000
- Difference
- ₩56,013,000
| Month | Money in | Money out | Difference | Fixed |
|---|---|---|---|---|
| Aug | ₩8,600,000 | ₩3,463,000 | ₩5,137,000 | ₩1,823,000 |
| Sep | ₩8,220,000 | ₩3,366,000 | ₩4,854,000 | ₩1,786,000 |
| Oct | ₩8,420,000 | ₩3,373,000 | ₩5,047,000 | ₩1,753,000 |
| Nov | ₩9,160,000 | ₩3,507,000 | ₩5,653,000 | ₩1,797,000 |
| Dec | ₩10,740,000 | ₩3,850,000 | ₩6,890,000 | ₩1,870,000 |
| Jan | ₩7,330,000 | ₩3,423,000 | ₩3,907,000 | ₩1,903,000 |
| Feb | ₩6,660,000 | ₩3,326,000 | ₩3,334,000 | ₩1,886,000 |
| Mar | ₩7,040,000 | ₩3,457,000 | ₩3,583,000 | ₩1,967,000 |
| Apr | ₩7,980,000 | ₩3,589,000 | ₩4,391,000 | ₩1,919,000 |
| May | ₩8,550,000 | ₩3,692,000 | ₩4,858,000 | ₩1,912,000 |
| Jun | ₩8,270,000 | ₩3,824,000 | ₩4,446,000 | ₩1,994,000 |
| Jul | ₩7,880,000 | ₩3,967,000 | ₩3,913,000 | ₩2,047,000 |
- Spending in the latest month moved 4% against the month before.
- Against your usual level across all months, it is 11%.
Recurring spend by category
Grouped by category rather than by name, because supplier names are never sent for analysis.
- Convenience & Grocery₩20,180,000
- Housing & Utilities₩18,750,000
- Housing & Utilities₩3,247,000
- Telecom₩660,000
Simplified balance sheet
Built only from the figures you entered. Nothing here is estimated or filled in for you.
Assets
- Cash and bank balance₩57,564,000
- Money owed to you₩1,150,000
- InventoryNot entered
- Equipment and fixturesNot entered
Total assets₩58,714,000
Liabilities
- Business loan balance₩30,000,000
- Unpaid business card balance₩2,400,000
- Money you oweNot entered
Total liabilities₩32,400,000
Net worth₩26,314,000
This balance sheet is incomplete: Inventory, Equipment and fixtures, Money you owe have not been entered. Totals cover only what you entered, and net worth is shown only when both sides have at least one figure.
Edit these figuresThis is a management summary based on the transactions you imported and the balances you entered. It is not a tax filing, not a statutory accounting record, and not tax or investment advice.
Sample AI management read
The year in one paragraph
Over the last twelve months 98,850,000 came into the account and 42,837,000 went out, leaving a difference of 56,013,000. Not one of the twelve months ended with more going out than coming in. Average monthly spending was 3,569,750.
"Money out" here means actual spending, with card-bill payments and transfers between your own accounts removed. Counting those would count the same money twice.
Fixed against variable
| Twelve-month total | |
|---|---|
| Fixed costs | 22,657,000 |
| Variable costs | 20,180,000 |
Fixed costs are slightly more than half of everything you spent. That is the amount that leaves every month whether trade is good or not, and it is where the pressure lands first in a weak month.
What repeated every single month
Four items never missed a month in twelve.
| Item | Twelve-month total |
|---|---|
| Groceries and supplies | 20,180,000 |
| Rent | 18,750,000 |
| Electricity | 3,247,000 |
| Telecom | 660,000 |
Rent of 18,750,000 ran without a break and stepped up once during the year. It is the largest fixed item, and the kind you can only reduce by changing the contract.
Electricity of 3,247,000 swings a lot month to month, rising in summer and winter — that pattern looks seasonal rather than behavioural.
How the latest month went
The final month brought in 7,880,000 and spent 3,967,000, leaving 3,913,000. Spending was 4% higher than the month before and 11% above your usual level across the twelve months.
Eleven percent in a single month is not yet a trend. If the next month moves the same way, that is when it becomes a habit worth acting on.
Where the balance sheet stands
From the figures you entered, assets total 58,714,000, liabilities total 32,400,000, and net worth is 26,314,000.
But inventory, equipment and money you owe have not been entered. The numbers above exclude them — not because they are zero, but because they are not yet known. Filling in those three will change the net worth figure.
The next 30 and 90 days
30 days
- Check whether the electricity swing is seasonal. Comparing with the same month last year answers it immediately.
- Count your inventory and equipment once and enter them. Only then will you know how far the net worth figure is from reality.
90 days
- Review suppliers and unit prices behind the 20,180,000 of groceries and supplies. That figure equals your entire variable cost, so anything saved there is saved variable cost.
- Check whether the rent increase is being offset by higher takings. If it is not, start preparing for the renewal date well before it arrives.
This summary is management guidance based on the transactions you imported and the balances you entered. It is not a tax filing, not a statutory accounting record, and not tax, accounting or investment advice.
To run this on your own figures: import a business statement, agree on the AI consent screen, and subscribe if you have not already. Reading this sample needs none of those.
This is a management summary based on the transactions you imported and the balances you entered. It is not a tax filing, not a statutory accounting record, and not tax or investment advice.