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Forecasting for Growth: A Simple Framework That Works

September 18, 2025
8 min readFinancial Planning
Published September 18, 2025

Most agency founders don't forecast because they think it's complicated, time-consuming, or pointless ("things always change anyway"). But here's the truth: forecasting isn't about predicting the future perfectly, it's about making better decisions today.

The Rolling 12-Month Framework

Rolling
Update monthly, add new month to end
12 Months
Long enough to plan, short enough to be realistic
3 Sections
Revenue, Costs, Cash Flow

Why Forecasting Matters

Without a forecast, you're flying blind. You can't answer basic questions like:

💼Can we afford to hire someone next quarter?
⚠️What happens if we lose our biggest client?
💰Do we have enough cash for that new tool?
📈Are we on track to hit our revenue goals?

A good forecast gives you the confidence to make these decisions and the early warning system to avoid disasters.

The Rolling 12-Month Forecast

The best forecasting framework for agencies is a rolling 12-month model. Here's how it works:

How Rolling Forecasts Work

1
Rolling: Every month, update the forecast and add a new month to the end
2
12 months: Long enough to plan ahead, short enough to stay realistic
3
Updated monthly: Refine assumptions based on what actually happened

What to Include in Your Forecast

Keep it simple. You need three main sections:

SectionWhat to IncludeDifficulty
1. Revenue
  • Existing retainers (easy)
  • Expected project work (pipeline)
  • New business assumptions (conservative)
Start here
2. Costs
  • Payroll (incl. taxes & benefits)
  • Contractors & freelancers
  • Software, office, overheads
Mostly fixed
3. Cash Flow
  • When payments actually arrive
  • When expenses are due
  • Tax payments & one-offs
Critical

How to Build Your First Forecast

Start simple. Here's a step-by-step approach:

Step 1: Start with what you know
List all confirmed retainers and projects
Step 2: Add likely revenue
Include pipeline projects with probability weighting (70-80%, not 100%)
Step 3: Map out fixed costs
Payroll, rent, software—things that don't change
Step 4: Estimate variable costs
Contractors, marketing, travel
Step 5: Build in cash timing
When will clients actually pay? When are expenses due?
Step 6: Review monthly
Compare forecast vs. actual and adjust. This is where the magic happens.

Common Forecasting Mistakes

Avoid These Pitfalls

Being too optimistic

Assume 70-80% of your pipeline will close, not 100%

Forgetting about timing

Revenue and cash are not the same thing

Not updating regularly

A forecast is only useful if it's current

Making it too complex

Start simple and add detail as you go

Using Your Forecast to Make Decisions

Plan Hiring

Can you afford a new team member in Q2? Your forecast tells you.

Manage Cash

Will you have enough cash to cover a slow month? See it coming.

Set Targets

What revenue do you need to hit your profit goals? Work backwards.

Scenario Planning

What if you lose a big client or win a major project? Model it.

Your Forecasting Action Checklist

The Bottom Line

Forecasting doesn't have to be complicated. Start with a simple 12-month model, update it monthly, and use it to guide your decisions. The confidence and clarity it provides are worth the effort.

Want to learn more about agency financial management? Explore which key metrics to track monthly, the most common cash flow mistake to avoid, and when to hire a finance partner.

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