CER2 Practice Cash Flow Tracker

Current Balance

Actual cash in account

Available Cash

After pending bills

Expected Income (30 days)

Pending insurance payments

Buffer Status

After payroll & tax reserve | Target: $2,000

Revenue & Payroll

Add Transaction

💰 Current Bank Balance

Start by entering how much is in your business account right now

Type

Amount ($)

Description

Date

Apply clinician split to this transaction

Payroll Calculator

Target Monthly Salary

Recommended: $2,000/month ($24K/year)

💡 Can You Make Payroll?

Enter your current balance to see if you can pay yourself.

Tax Planning

Quarterly Tax Calculator

Business Structure

Self-employment tax: 15.3% + Income tax: ~10% = ~25% total

Tax Withholding Rate: 25%

15% Most therapists: 25% 45%

📊 Quarterly Tax Estimate

Add income and expenses to see your tax estimate.

Tax Savings Tracker

Current Tax Savings Balance

How much you've set aside for taxes

💰 Quarterly Tax Deadlines

Q2 2026: June 15, 2026
Q3 2026: September 15, 2026
Q4 2026: January 15, 2027

Cash Flow Forecast

Expected Income

📥

No expected income yet

Upcoming Bills

📤

No upcoming bills