AI Business Forecasting
Powered by 30,000 SME Records
⚠ Platform Notice: ClaritySMEFinance is continuously improving. All generated forecasts, benchmarks, and analysis are based on available data and algorithms that are regularly updated. Please review all outputs carefully before making any financial decision. This tool provides educational guidance only — not professional financial advice.
Your business forecast, grounded in real data.
Enter your numbers and get a free AI-powered financial forecast benchmarked against 30,000 real SME records — 12-month cash flow projection, industry benchmark comparison, and plain-English insights tailored to your business. No account needed. In about 3 minutes.
✓ Free — no cost, no signup✓ 12-month cash flow forecast✓ 30,000 real SME records✓ Industry benchmarks✓ Fraud risk assessment✓ Plain English AI analysis
ClaritySMEFinance free small business financial forecast tool. Free 12-month cash flow forecast,
business health score, industry benchmark comparison, payment fraud risk assessment.
No signup no cost no finance degree required. Free AI business forecasting for entrepreneurs and SME owners
across all 50 US states. Retail healthcare food service construction professional services manufacturing
transportation real estate education. Dataset derived from publicly available statistics published by
SBA Federal Reserve FDIC CMS BLS FINRA Foundation.
30,000
SME Records
10
Industries
50
US States
57
Data Points
2022–24
Data Period
Step 1 of 4 — Your Business
Tell us about your business
We match you to similar companies in our dataset to give you relevant benchmarks and comparisons.
Takes about 3 minutes
Money coming into your business
Round numbers are perfectly fine — we need the big picture, not exact figures.
$
Total money customers pay you, before any expenses.
$
Money you could spend today if you needed to.
What it costs to run your business
Think about what you spent last month. Estimates are fine.
$
Include your own salary or owner's draw.
$
Inventory, raw materials, wholesale goods. Put $0 for service businesses.
$
$
$
$
Not confidentVery confident
Be honest — this helps us give you the right depth of explanation.
Your Business Forecast
📈 12-Month Revenue Forecast
Based on your growth trend and seasonal patterns.
🎯 Business Health Radar
You vs. industry average from our dataset.
About ClaritySMEFinance: Analysis uses benchmarks from 30,000 SME records and live economic data via FRED® API. Educational guidance only — not professional financial advice. Consult a licensed advisor for major decisions. Free resources: SBA.gov · SCORE.org · CFPB.gov This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
🔮 What-If Scenario Modeling
Adjust key variables and instantly see how your financial picture changes — no re-entering data needed.
👤
Hire an Employee
See break-even impact of adding payroll
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Revenue Change
What if revenue grows or drops?
🏦
Take a Loan
Model new financing and its impact
💲
Raise Prices
See margin impact of a price increase
✂️
Cut Costs
Model expense reduction impact
🏪
Open a Location
New rent + payroll — does it work?
Scenario Results
💬 Ask Me About Your Business
Ask any follow-up question about your numbers — I have your full business context and will answer specifically about your situation.
Press Enter to send · Shift+Enter for new line · Context: your business numbers, industry benchmarks, and current economic data
🔍
Would you like a Payment Fraud Risk Assessment?
We analyze your business profile and financial patterns against fraud indicators from our dataset — including billing anomalies, receivables patterns, and industry-specific risk factors — and give you a plain-English risk report with specific protective actions.
🔍 Payment Fraud Risk Assessment
Analysis based on your business profile, financial patterns, and industry dataset benchmarks
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Risk Score
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⚠ Important: This fraud risk assessment is educational and based on general pattern analysis from our SME dataset. It is not a forensic audit, legal determination, or professional fraud examination. Specific fraud concerns should be investigated by a licensed forensic accountant, your bank's fraud department, or law enforcement. If you suspect active fraud, contact your bank immediately.
📋 Next: Prepare your Cash Flow Forecast
Scroll down to build your 12-month cash flow statement — editable, printable, and exportable to CSV.
📋
Would you like a Trailing 12-Month Cash Flow Forecast?
We will prepare a full month-by-month cash flow statement pre-filled with your business data. Every line item is editable — customize it to match your actual plans, then print or export to CSV.
📋 Trailing 12-Month Cash Flow Forecast
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✏️
Please review and edit this forecast before use.
The figures below are auto-generated from the numbers you entered in Steps 2 and 3. They are a starting point, not a final statement. Adjust any line item by clicking on it directly — the totals and cash balance recalculate instantly. In particular, review: revenue figures for seasonality, expense categories that may not apply to your business, and the assumptions panel above. Do not rely on this forecast without first tailoring it to your actual situation.
⚙️ Forecast Assumptions — Adjust to match your plans, table recalculates instantly
📝 Notes & Key Observations
Click any number in the table to edit it. Changes recalculate all totals and the closing cash balance instantly.
Negative values show in red with parentheses ( ). Export to CSV opens in Excel or Google Sheets.
🤝 Help us improve ClaritySMEFinance
Scroll down to rate your experience — it takes 60 seconds and shapes what we build next for entrepreneurs like you.
🤝
Help us understand you.
Every small and medium-sized business deserves the same powerful financial tools, forecasting intelligence, and strategic clarity that large enterprises use to stay competitive. ClaritySMEFinance is built to level that playing field — and your experience tells us how well we are delivering.
Rate each section and share a thought. It takes 60 seconds and shapes what we build next for entrepreneurs like you. Everything is optional.
📍 Business Forecast
How useful were the health assessment, benchmark comparisons, and action steps?
Tap to rate
📋 Cash Flow Forecast
How useful was the 12-month cash flow table, assumptions panel, and CSV export?
Tap to rate
🔍 Fraud Risk Assessment
How useful were the fraud risk flags and protective action recommendations?
Tap to rate
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✅
Thank you — this genuinely helps.
Every response shapes what ClaritySMEFinance becomes next.
If you left your email, we will be in touch within a few days.
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📊 Help improve small business tools
With your permission, we save anonymized financial ratios (no names, no exact figures) to improve our forecasting models and industry benchmarks.
✓ We collect: industry, size, financial ratios — never exact dollar amounts
✓ Used for: improving forecasting accuracy and benchmarks
✗ Never: your business name, address, bank details, or any personal info