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cashflow-forecasting

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Translation

Chinese

Cash Flow Forecasting Skill

现金流预测Skill

Projects future tax obligations (BAS, PAYG instalments, SG, FBT, income tax) and cash flow requirements based on historical Xero transaction data. Identifies months with potential negative cash positions and recommends reserve levels.
基于历史Xero交易数据预测未来税务义务（BAS、PAYG分期付款、SG、FBT、所得税）和现金流需求。识别可能出现负现金流的月份并建议储备水平。

When to Use

使用场景

  • Quarterly cash flow planning before BAS periods
  • Annual tax obligation budgeting
  • Assessing whether PAYG instalment variation is warranted
  • Planning for large tax payments (FBT, income tax)
  • New client engagement — understanding upcoming obligations
  • Scenario modelling (growth, contraction, seasonal adjustment)
  • BAS周期前的季度现金流规划
  • 年度税务义务预算编制
  • 评估是否需要调整PAYG分期付款
  • 规划大额税务支付（FBT、所得税）
  • 新客户对接——了解即将到来的税务义务
  • 场景建模（增长、收缩、季节性调整）

Forecast Methodology

预测方法

  1. Historical analysis: Extract 12-24 months of transaction data from Xero
  2. Trend calculation: Monthly income/expense averages with seasonal adjustment
  3. Tax obligation projection: Apply current rates to projected income per period
  4. Cash position modelling: Net cash after all obligations per month
  5. Scenario generation: Best/worst/expected cases with probability weighting
  1. 历史分析：从Xero提取12-24个月的交易数据
  2. 趋势计算：带有季节性调整的月度收支平均值
  3. 税务义务预测：将当前税率应用于各周期的预测收入
  4. 现金流状况建模：每月扣除所有义务后的净现金流
  5. 场景生成：带有概率权重的最佳/最差/预期情况

Tax Obligation Schedule

税务义务时间表

ObligationFrequencyCalculation
BAS (GST)QuarterlyProjected revenue × (1/11) net of input credits
PAYG InstalmentQuarterlyPrior year tax / 4 or GDP-adjusted rate × income
SGQuarterlyOrdinary time earnings × SG rate
FBTAnnualGrossed-up taxable value × 47%
Income TaxAnnualProjected taxable income × applicable rate
义务类型频率计算方式
BAS（GST）按季度预测收入 × (1/11) 减去进项税额抵免
PAYG分期付款按季度上一年度税款/4 或 经GDP调整的税率 × 收入
SG按季度常规工时收入 × SG税率
FBT按年度计值后的应税价值 × 47%
所得税按年度预测应税收入 × 适用税率

Engine Reference

引擎参考

  • Engine: 
    lib/analysis/cashflow-forecast-engine.ts
  • Function: 
    generateCashFlowForecast(tenantId, financialYear, options)
  • Output type: 
    CashFlowForecast
    — monthly projections, scenarios, key dates
  • Options: 
    ForecastOptions
    — horizon months, scenario count, growth assumptions
  • 引擎：
    lib/analysis/cashflow-forecast-engine.ts
  • 函数：
    generateCashFlowForecast(tenantId, financialYear, options)
  • 输出类型：
    CashFlowForecast
    —— 月度预测、场景、关键日期
  • 选项：
    ForecastOptions
    —— 预测周期月数、场景数量、增长假设

Disclaimer

免责声明

Projections are estimates only, not financial advice. ASIC RG 234 applies to forward-looking statements. Professional review recommended.
预测仅为估算，不构成财务建议。前瞻性陈述适用ASIC RG 234规定。建议进行专业审核。