Practical worksheet

Scenario planning template

Test how a realistic setback or opportunity would affect cash and decisions.

Last reviewed 2 October 2026

Before you start

Start with your current forecast. Change one or two assumptions at a time and mark what is known versus estimated.

A decision that works only if everything goes to plan is more fragile than it first appears.

Use before hiring, signing a large contract, ordering stock or entering a slower season.

Identify the lowest cash point, the first warning signal and the action you can take before it arrives.

Each prompt explains what to enter. The example is a guide, not a target for your business.

01. Base case

Record opening cash, expected receipts, payments and the assumption behind each large item.

Customer A pays $20,000 in week four; closing cash then $14,000.

02. Slower case

Delay a receipt or reduce sales. Recalculate the lowest cash balance.

If Customer A pays in week seven, week five cash falls to $2,000.

03. Higher-cost case

Add a credible expense or price rise and recalculate.

Materials rise $4,000 while contract price stays fixed.

04. Early signals

What would you see first, and by what date would you need to act?

Purchase order delayed by 10 days; call customer before ordering stock.

05. Response

Name practical steps, their owner and impact. Recheck obligations before postponing any payment.

Reduce discretionary stock, chase overdue accounts and speak with accountant.

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This worksheet is general planning information. Ask a qualified accountant, tax agent or lawyer where your decision needs specialist advice.