3-Year Business Plan Financials
Project revenue, gross profit, fixed costs and net profit across 3 years from a Year 1 base and constant growth assumptions, and check whether cumulative profit covers your initial investment.
Daten geprüft · Juli 2026
Does this account for corporation tax?
Yes — operating profit each year is taxed at the rate you enter (19% default) before arriving at net profit, so the payback check is on an after-tax basis.
Quelle: HMRC — Corporation Tax rates (gov.uk/corporation-tax-rates); standard 3-year business plan / financial projection methodology, 2025/26. · aktualisiert 2026
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Alles über 3-Year Business Plan Financials
📋Überblick+
Projects revenue forward from a Year 1 base at a constant annual growth rate, applies a gross margin to get gross profit, grows fixed costs at their own rate, and taxes the resulting operating profit at your corporation tax rate. The three years of net profit are then summed and compared against any upfront investment to check payback.
💡 Bewährte Vorgehensweisen
- Keep revenue growth and fixed cost growth assumptions separate — fixed costs (rent, salaries) rarely scale as fast as revenue.
- A Year 3 operating margin far above your sector average is a sign the assumptions are optimistic — sanity-check against comparable businesses.
- Run the plan twice with a conservative and an optimistic growth rate to see the range of possible outcomes.
🔢 Konkretes Beispiel
£100,000 Year 1 revenue growing 20% a year at 50% gross margin, with £30,000 fixed costs growing 5% a year and a £20,000 initial investment: Year 3 revenue reaches £144,000 with cumulative net profit comfortably covering the investment.
📖Anleitung+
So verwenden Sie diesen Rechner
- 1
Enter your Year 1 revenue and expected annual revenue growth rate.
- 2
Set your gross margin and fixed costs for Year 1, plus how fast fixed costs grow.
- 3
Add any initial investment you want the plan to pay back, and your corporation tax rate.
- 4
Read the 3-year revenue, net profit and operating margin, and whether payback is achieved.
📚Glossar+
- Operating margin
- Operating profit (gross profit minus fixed costs) divided by revenue — shown here for Year 3 as the plan's steady-state profitability.
- Payback
- Whether cumulative net profit across the 3 years is enough to recover an initial investment such as start-up costs or capital expenditure.
ℹ️Quellen & Aktualisierung+
Letzte Datenaktualisierung
7. Juli 2026
Quellen und Referenzen
HMRC — Corporation Tax rates (gov.uk/corporation-tax-rates); standard 3-year business plan / financial projection methodology, 2025/26.
Die Daten dieses Rechners werden regelmäßig aktualisiert, um die neuesten offiziellen Sätze abzubilden. Im Zweifel konsultieren Sie die oben genannten offiziellen Quellen.
FAQ — 3-Year Business Plan Financials
Does this account for corporation tax?+
Yes — operating profit each year is taxed at the rate you enter (19% default) before arriving at net profit, so the payback check is on an after-tax basis.
Can I use this for a loss-making Year 1?+
The model floors tax at zero when operating profit is negative, so a loss-making year contributes zero tax and a negative net profit to the cumulative total.