Free Cash Flow Starter Kit: 4 worksheets + Master the Money sample

Free. Know your cash 13 weeks ahead and stop guessing.

Four fillable worksheets from the Opero Money Field Kit, the ones that move cash fastest:

• 13-week cash flow: spot a cash crunch weeks before it arrives
• Break-even calculator: the sales you need just to stand still
• Price and margin calculator: check that every sale actually makes money
• Debtors ageing and collection plan: turn what customers owe you into money in the bank

Plus a 17-page sample of Master the Money (Vol. 26 of The Operator's Shelf): the plain-language guide, the financial health check and the chapter on cash and working capital.

For owners, managers, students, side-hustlers and anyone who wants to understand the numbers behind a business. Instant PDF download, R0 at checkout, no card needed. Type into the boxes on screen or print on A4.

Templates are starting points, not tax or accounting advice. © 2026 OPERO OPP (Pty) Ltd.