Dental Practice Financial Forecast 2026

A complete financial planning and forecasting spreadsheet for Australian dental practices — 6 fully linked tabs covering income assumptions, annual forecasting, 3-year projections, break-even analysis, cash flow tracking, and startup cost planning. Built in Microsoft Excel with pre-loaded Resolve Dental Consultancy benchmarks and automatic calculations throughout.

Managing the finances of a dental practice requires more than a basic spreadsheet. This tool gives you a professional, structured financial model — built specifically for Australian dental practices — that calculates your annual forecast, projects your 3-year trajectory, identifies your break-even production target, and tracks your actual cash position month by month.

Works alongside the Resolve Dental Practice Business Plan, Resolve New Practice Startup Manual, and Resolve Practice Purchase Guide for a complete practice ownership and financial planning system.

✔ Microsoft Excel format — fully editable, no macros required
✔ 6 linked tabs — enter your assumptions once, all sheets calculate automatically
✔ Pre-loaded with Resolve Dental Consultancy industry benchmarks
✔ 2026-compliant — includes Payday Super (1 July 2026) and current expense benchmarks
✔ Instant digital download
✔ Single-practice licence

What's Included:

Tab 1 — Setup & Assumptions
Your central input hub. Enter your practice name, financial year, number of surgeries, hygiene chairs, and owner details — then set your income and expense assumptions. All other tabs calculate automatically from this single setup page. Includes a Quick-Start Checklist to guide you through the process in minutes.

Income assumptions include: daily production target per dentist surgery, working days per month, hygiene sessions per month, average hygiene income per session, retail product sales, collection rate, and discount rate.

Expense assumptions include: dental consumables (% of GFI), laboratory fees (% of GFI), staff salaries (% of GFI), owner drawings (% of GFI), rent, utilities, telephone and internet, accounting and bookkeeping, insurance, printing and stationery, computer maintenance, waste disposal, cleaning, staff amenities, CPD provision, bank charges, subscriptions, and equipment loan repayments.

Tab 2 — Annual Forecast
A complete 12-month income and expense forecast, automatically calculated from your Setup assumptions. Columns for Jan–Dec, annual total, and % of GFI — so you can instantly compare every expense line against Resolve benchmarks. Includes a Resolve Benchmark Reference panel showing target ranges for all major expense categories.

Tab 3 — 3-Year Projection
Projects Year 2 and Year 3 forward from your Year 1 forecast using your growth rate assumptions. Set separate revenue and expense growth rates for each year. Includes profit margin and key expense ratios across all three years — ideal for bank presentations, business planning, and strategic decision-making.

Tab 4 — Break-Even Analysis
Calculates your minimum monthly and daily production target to cover all fixed and variable costs — before the owner earns a cent of profit. Includes Resolve's guidance on using your break-even figure in team meetings as a daily production target, and how to relate it to your surgery utilisation KPI.

Tab 5 — Cash Flow Tracker
A 12-month actual cash flow tracker. Enter actual collections and payments each month — opening and closing cash balances calculate automatically. Covers all major cash movements: patient collections, staff wages and super, owner drawings, rent, consumables, lab fees, marketing, utilities, accounting, equipment loans, and other expenses. Annual total and variance columns included.

Tab 6 — Startup Costs Planner
A complete startup cost planner for new practices or major fit-outs. Pre-populated with realistic 2026 cost estimates across premises, dental equipment, technology and software, professional fees, and working capital. Enter your estimated and actual costs — total funding requirement calculates automatically. Includes Resolve's guidance notes on typical cost ranges for each category.