{"id":3857,"date":"2025-12-09T08:46:57","date_gmt":"2025-12-09T08:46:57","guid":{"rendered":"https:\/\/moterra.ai\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas"},"modified":"2026-01-08T07:53:29","modified_gmt":"2026-01-08T07:53:29","slug":"kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas","status":"publish","type":"post","link":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas","title":{"rendered":"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

82% ma\u017e\u0173 \u012fmoni\u0173 \u017elunga d\u0117l pinig\u0173 sraut\u0173 problem\u0173. \u0160i statistika yra nerim\u0105 kelianti, nes daugum\u0105 \u0161i\u0173 nes\u0117kmi\u0173 b\u016bt\u0173 galima i\u0161vengti tinkamai prognozuojant. Pinig\u0173 sraut\u0173 prognoz\u0117 n\u0117ra tik finansinis dokumentas. Tai yra i\u0161gyvenimo \u012frankis, kuris prognozuoja, kada pinigai ateis ir i\u0161eis. Tai leid\u017eia \u012fmon\u0117ms i\u0161vengti bendros sp\u0105st\u0173, kai pelnas yra tik popieriuje, bet banke n\u0117ra pinig\u0173. \u0160io vadovo pabaigoje suprasite, kaip sukurti prognoz\u0119 nuo nulio ir kaip automatizuoti proces\u0105 naudojant modernius AI \u012frankius. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Kas yra pinig\u0173 sraut\u0173 prognoz\u0117?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Pinig\u0173 sraut\u0173 prognoz\u0117 yra vis\u0173 pinig\u0173 \u012fplauk\u0173 ir i\u0161laid\u0173 projekcija per tam tikr\u0105 laikotarp\u012f. Paprastai tai apima artimiausius 12 m\u0117nesi\u0173. Ji seka pinigus, gaunamus i\u0161 pardavim\u0173, investicij\u0173 ar paskol\u0173. Taip pat seka pinigus, i\u0161leid\u017eiamus i\u0161laidoms, atlyginimams ir atsargoms. <\/span><\/p>

Svarbu atskirti tai nuo pelno ir nuostoli\u0173 ataskaitos. P&L rodo pelningum\u0105, bet nerodo likvidumo. Galite b\u016bti pelningi popieriuje, bet vis tiek netur\u0117ti pinig\u0173, jei klientai v\u0117luoja mok\u0117ti arba i\u0161laidos atsiranda anks\u010diau. Prognoz\u0117s tikslas yra nustatyti galimus tr\u016bkumus prie\u0161 jiems atsirandant. Tai leid\u017eia priimti proaktyvius sprendimus, pvz., u\u017etikrinti kredito linij\u0105 arba atid\u0117ti neb\u016btinas i\u0161laidas. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Kod\u0117l kiekvienai \u012fmonei reikia pinig\u0173 sraut\u0173 prognoz\u0117s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Pereinant nuo teorijos prie praktikos, prognozavimo poveikis verslo i\u0161likimui yra prakti\u0161kas ir tiesioginis. \u0160tai kod\u0117l tai svarbu. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Vengti nemokumo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Daugelis \u012fmoni\u0173 \u017elunga ne tod\u0117l, kad jos yra nepelningos. Jos \u017elunga, nes negali sumok\u0117ti s\u0105skait\u0173, kai jos yra mok\u0117tinos. Prognoz\u0117 suteikia jums ankstyvo \u012fsp\u0117jimo sistem\u0105. Ji parodo savaites ar m\u0117nesius, kai j\u016bs\u0173 banko balansas gali pavojingai suma\u017e\u0117ti. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Finansavimo u\u017etikrinimas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Bankai ir investuotojai reikalauja pinig\u0173 sraut\u0173 prognozi\u0173, kad \u012fvertint\u0173 kreditingum\u0105. Jie turi matyti, kad galite sau leisti paskolos gr\u0105\u017einimus. Gerai parengta prognoz\u0117 demonstruoja finansin\u012f kompetencij\u0105 ir suma\u017eina j\u0173 rizik\u0105. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Strateginis planavimas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Prognoz\u0117s leid\u017eia priimti augimo sprendimus. Galite paklausti, ar galite sau leisti samdyti naujus darbuotojus ar pl\u0117sti atsargas. Galb\u016bt norite investuoti \u012f nauj\u0105 rinkodaros kampanij\u0105. \u012e visus \u0161iuos klausimus atsako prognoz\u0117. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Sezoni\u0161kumo valdymas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Verslams, turintiems sezonines pajamas, pvz., ma\u017emeninei prekybai ar turizmui, prognoz\u0117s yra b\u016btinos. Jos padeda i\u0161vengti pertekliaus ar tr\u016bkumo ciklo. Galite planuoti liesus m\u0117nesius, taupydami pinigus per piko sezonus. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pinig\u0173 sraut\u0173 prognoz\u0117s anatomija<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Prognoz\u0117 sudaroma i\u0161 keli\u0173 pagrindini\u0173 komponent\u0173. Supratimas apie juos pad\u0117s teisingai strukt\u016brizuoti savo duomenis. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pradinis balansas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Tai yra pinigai, kuriuos turite laikotarpio prad\u017eioje. Tai atitinka j\u016bs\u0173 banko s\u0105skaitos sum\u0105 pirm\u0105j\u0105 dien\u0105. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pinig\u0173 \u012fplaukos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

I\u0161samiai apra\u0161ykite pinig\u0173 \u0161altinius. Tai apima klient\u0173 mok\u0117jimus, paskol\u0173 pajamas, investicin\u012f kapital\u0105 ir turto pardavimus. Labai svarbu b\u016bti realisti\u0161kiems d\u0117l laiko. U\u017eregistruokite, kada pinigai fakti\u0161kai pasiekia j\u016bs\u0173 s\u0105skait\u0105, o ne kada siun\u010diama s\u0105skaita fakt\u016bra. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pinig\u0173 i\u0161laidos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Ai\u0161kiai suskirstykite savo i\u0161laidas. \u012etraukite veiklos i\u0161laidas, tokias kaip nuoma, atlyginimai ir komunalin\u0117s paslaugos. Prid\u0117kite kapitalo i\u0161laidas \u012frangai. Nepamir\u0161kite skol\u0173 gr\u0105\u017einim\u0173 ir mokes\u010di\u0173. Taip pat naudinga atskirti fiksuotas ir kintamas i\u0161laidas. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Grynasis pinig\u0173 srautas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Tai yra j\u016bs\u0173 \u012fplaukos minus i\u0161laidos. Tai yra kritinis skai\u010dius, kuris parodo, ar deginate pinigus, ar juos kaupiate. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Galutinis balansas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Paimkite savo pradin\u012f balans\u0105 ir prid\u0117kite gryn\u0105j\u012f pinig\u0173 sraut\u0105. \u0160is skai\u010dius tampa pradiniu balansu kitam laikotarpiui. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

\u017dingsnis po \u017eingsnio: kaip sukurti pinig\u0173 sraut\u0173 prognoz\u0119<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Prognoz\u0117s k\u016brimas reikalauja metodi\u0161ko po\u017ei\u016brio. Sekite \u0161iuos \u017eingsnius, kad sukurtum\u0117te patikim\u0105 projekcij\u0105. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pasirinkite savo laikotarp\u012f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Nuspr\u0119skite, ar jums reikia trumpalaik\u0117s, vidutin\u0117s trukm\u0117s ar ilgalaik\u0117s perspektyvos. Trumpalaik\u0117 prognoz\u0117 gali apimti savaitin\u012f pinig\u0173 sraut\u0105 trims m\u0117nesiams. Ilgalaik\u0117 gali apimti nuo trij\u0173 iki penkeri\u0173 met\u0173. Daugumai \u012fmoni\u0173 geriausia prad\u0117ti nuo 12 m\u0117nesi\u0173 m\u0117nesin\u0117s prognoz\u0117s. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Surinkite istorinius duomenis<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

I\u0161traukite praeities banko i\u0161ra\u0161us, pardavim\u0173 \u012fra\u0161us ir i\u0161laid\u0173 ataskaitas. Istoriniai modeliai yra tiksli\u0173 prognozi\u0173 pagrindas. Jei \u017einote, kad visada daugiau i\u0161leid\u017eiate lapkrit\u012f, j\u016bs\u0173 duomenys tai parodys. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Prognozuokite pardavim\u0173 pajamas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Naudokite istorines tendencijas ir dabartin\u012f pardavim\u0173 kanal\u0105, kad \u012fvertintum\u0117te pajamas. B\u016bkite konservatyv\u016bs savo vertinimuose. Visada saugiau ne\u012fvertinti pajam\u0173 nei pervertinti. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

\u012evertinkite pinig\u0173 \u012fplauk\u0173 laik\u0105<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Atsi\u017evelkite \u012f savo konkre\u010dias mok\u0117jimo s\u0105lygas. Jei i\u0161ra\u0161ote s\u0105skait\u0105 su Net 30 s\u0105lygomis, pinigai atkeliauja po 30 dien\u0173 nuo pardavimo. Jie neatkeliauja pardavimo dien\u0105. \u0160is v\u0117lavimas da\u017enai yra pinig\u0173 sraut\u0173 sprag\u0173 prie\u017eastis. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

I\u0161vardykite visas i\u0161laidas<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\u012etraukite visk\u0105 nuo nuomos ir atlyginim\u0173 iki draudimo ir paskol\u0173 mok\u0117jim\u0173. Nepamir\u0161kite metini\u0173 ar ketvirtini\u0173 i\u0161laid\u0173. \u0160ios nereguliarios i\u0161laidos gali sukelti staigius pinig\u0173 tr\u016bkumus, jei jos ignoruojamos. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Atsi\u017evelkite \u012f vienkartinius \u012fvykius<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Planuokite reik\u0161mingus, nepasikartojan\u010dius pinig\u0173 jud\u0117jimus. Tai gali b\u016bti planuojamas \u012frangos pirkimas, mokes\u010di\u0173 mok\u0117jimas ar premijos i\u0161mok\u0117jimas. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Apskai\u010diuokite m\u0117nesin\u012f gryn\u0105j\u012f pinig\u0173 sraut\u0105<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Atimkite savo bendras i\u0161laidas i\u0161 bendr\u0173 \u012fplauk\u0173 kiekvienam m\u0117nesiui. Tai parodo j\u016bs\u0173 gryn\u0105j\u0105 pad\u0117t\u012f. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Per\u017ei\u016br\u0117kite ir koreguokite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Prognoz\u0117s yra gyvi dokumentai. Turite jas atnaujinti kas m\u0117nes\u012f pagal faktinius rezultatus. Pataisykite b\u016bsimus projekcijas pagal tai, kas i\u0161 tikr\u0173j\u0173 \u012fvyko. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Da\u017eniausios klaidos, kuri\u0173 reikia vengti prognozuojant pinig\u0173 srautus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Net patyr\u0119 finans\u0173 specialistai gali patekti \u012f bendrus sp\u0105stus. Venkite \u0161i\u0173 klaid\u0173, kad j\u016bs\u0173 prognoz\u0117 i\u0161likt\u0173 tiksli. <\/span> Pardavimai, atlikti kreditu, yra pelnas, bet jie n\u0117ra pinigai, kol klientas nesumoka. Ne\u012fra\u0161ykite pardavimo kaip \u012fplaukos, kol pinigai neatkeliauja. Tai klaida manyti, kad mok\u0117jimas bus atliktas i\u0161 karto. Supraskite, kad realyb\u0117 da\u017enai yra 30\u201360 dien\u0173 v\u0117liau. Metiniai draudimo \u012fmokos ar ketvirtiniai PVM s\u0105skaitos da\u017enai pamir\u0161tamos. U\u017etikrinkite, kad jos b\u016bt\u0173 suplanuotos tinkamuose m\u0117nesiuose. <\/span><\/p>

Pardavim\u0173 projekcij\u0173 i\u0161p\u016btimas arba i\u0161laid\u0173 ne\u012fvertinimas sukelia klaiding\u0105 saugumo jausm\u0105. Visada b\u016bkite atsarg\u016bs. Prognoz\u0117, sukurta vien\u0105 kart\u0105 ir niekada neper\u017ei\u016br\u0117ta, yra nenaudinga. Rinkos kei\u010diasi ir operacin\u0117s realijos kei\u010diasi. J\u016bs\u0173 prognoz\u0117 turi prisitaikyti prie j\u0173. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Pinig\u0173 sraut\u0173 prognoz\u0117s \u0161ablonai ir \u012frankiai<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Turite kelias galimybes kurti savo prognoz\u0119. Tinkamas pasirinkimas priklauso nuo j\u016bs\u0173 verslo dyd\u017eio ir sud\u0117tingumo. <\/span>Skai\u010diuokl\u0117s yra nemokamos ir labai pritaikomos. Ta\u010diau jos yra rankin\u0117s, linkusios \u012f \u017emogaus klaidas ir laiko reikalaujan\u010dios pri\u017ei\u016br\u0117ti. Tokie \u012frankiai kaip Xero ir QuickBooks turi \u012fmontuotas prognozavimo funkcijas. Jos yra geresn\u0117s nei Excel, bet da\u017enai tr\u016bksta pa\u017eangi\u0173 modeliavimo galimybi\u0173. Specializuotos platformos integruojasi su j\u016bs\u0173 apskaitos sistema. Jos si\u016blo daugiau patikim\u0173 funkcij\u0173, bet gali b\u016bti brangios ir sud\u0117tingos \u012fdiegti. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Ateitis: AI pagr\u012fstas pinig\u0173 sraut\u0173 prognozavimas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Dirbtinis intelektas yra kitas finansinio planavimo evoliucijos etapas. Jis pa\u0161alina rankin\u012f darb\u0105 ir pagerina tikslum\u0105.<\/span> AI tiesiogiai jungiasi prie banko s\u0105skait\u0173 ir apskaitos programin\u0117s \u012frangos. Jis automati\u0161kai traukia realaus laiko duomenis, taupydamas valandas rankinio \u012fvedimo.<\/span><\/p>

AI analizuoja istorinius modelius ir i\u0161orinius veiksnius, tokius kaip sezoni\u0161kumas. Jis generuoja prognozes, kurios yra daug tikslesn\u0117s nei paprastos linijin\u0117s projekcijos. Galite akimirksniu modeliuoti skirtingus scenarijus. Klauskite „Kas, jei pardavimai suma\u017e\u0117s 20%?” arba „Kas, jei atid\u0117sime samdym\u0105?”. AI akimirksniu koreguoja skai\u010dius. <\/span><\/p>

Skirtingai nuo statini\u0173 skai\u010diuokli\u0173, AI pagr\u012fstos prognoz\u0117s nuolat atnaujinamos. Kai atsiranda nauji sandoriai, j\u016bs\u0173 prognoz\u0117 i\u0161 karto atspindi nauj\u0105 realyb\u0119. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Moterra: j\u016bs\u0173 AI pagr\u012fstas pinig\u0173 sraut\u0173 analitikas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Moterra rei\u0161kia per\u0117jim\u0105 nuo rankini\u0173 skai\u010diuokli\u0173 prie intelektualios automatizacijos. Ji veikia kaip AI duomen\u0173 analitikas, kuris tvarko prognozavimo sud\u0117tingum\u0105 u\u017e jus. <\/span><\/p>

Moterra jungiasi prie j\u016bs\u0173 finansini\u0173 sistem\u0173 ir automati\u0161kai generuoja prognozes. Tai pa\u0161alina rankinio duomen\u0173 \u012fvedimo klaid\u0173 rizik\u0105. <\/span><\/p>

AI duomen\u0173 analitikas ne tik rodo skai\u010dius. Jis juos paai\u0161kina. Jis gali pasakyti, kad j\u016bs\u0173 pinig\u0173 balansas kovo m\u0117nes\u012f suma\u017e\u0117s \u017eemiau 10 000 \u20ac, d\u0117l mokes\u010di\u0173 mok\u0117jim\u0173 ir v\u0117luojan\u010di\u0173 gautin\u0173 sum\u0173. <\/span><\/p>

Automatizavimas nerei\u0161kia duomen\u0173 saugumo kompromiso. J\u016bs\u0173 finansiniai duomenys i\u0161lieka apsaugoti, kol j\u016bs gaunate pa\u017eangias \u012f\u017evalgas. <\/span><\/p>

Nustokite kurti prognozes skai\u010diuokl\u0117se. Leiskite <\/span>AI duomen\u0173 analitikui<\/span><\/span><\/a> tai padaryti u\u017e jus per kelias sekundes. U\u017esisakykite demonstracij\u0105 \u0161iandien.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Da\u017eniausiai u\u017eduodami klausimai<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
  • Kiek laiko \u012f priek\u012f tur\u0117\u010diau prognozuoti pinig\u0173 srautus?<\/b>
    <\/span>12 m\u0117nesi\u0173 yra standartinis laikotarpis. Startuoliai gali sutelkti d\u0117mes\u012f \u012f 3\u20136 m\u0117nesius. Strateginis planavimas da\u017enai reikalauja 3\u20135 met\u0173.<\/span><\/li>
  • Kuo skiriasi pinig\u0173 sraut\u0173 prognoz\u0117 nuo pinig\u0173 sraut\u0173 ataskaitos?<\/b>
    <\/span>Prognoz\u0117 yra orientuota \u012f ateit\u012f ir prognozuojanti. Ataskaita yra istorin\u0117 ir registruoja tai, kas jau \u012fvyko.<\/span><\/li>
  • Kaip da\u017enai tur\u0117\u010diau atnaujinti savo prognoz\u0119?<\/b>
    <\/span>Tur\u0117tum\u0117te j\u0105 atnaujinti bent kart\u0105 per m\u0117nes\u012f. Spar\u010diai augan\u010dios arba pinig\u0173 stokojan\u010dios \u012fmon\u0117s tur\u0117t\u0173 j\u0105 atnaujinti kas savait\u0119.<\/span><\/li>
  • Ar galiu naudoti savo pelno ir nuostoli\u0173 ataskait\u0105 kaip pinig\u0173 sraut\u0173 prognoz\u0119?<\/b>
    <\/span>Ne. P&L naudoja kaupimo apskait\u0105. Pinig\u0173 sraut\u0173 prognoz\u0117 seka faktin\u012f pinig\u0173 jud\u0117jim\u0105.<\/span><\/li>
  • Kokie \u012frankiai yra geriausi pinig\u0173 sraut\u0173 prognozavimui?<\/b>
    <\/span>Excel yra geras paprastumui. Apskaitos programin\u0117 \u012franga veikia pagrindinei integracijai. AI \u012frankiai, tokie kaip Moterra, yra geriausi automatizavimui ir tikslumui.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    82% ma\u017e\u0173 \u012fmoni\u0173 \u017elunga d\u0117l pinig\u0173 sraut\u0173 problem\u0173. \u0160i statistika yra nerim\u0105 kelianti, nes daugum\u0105 \u0161i\u0173 nes\u0117kmi\u0173 b\u016bt\u0173 galima i\u0161vengti tinkamai prognozuojant. Pinig\u0173 sraut\u0173 prognoz\u0117 n\u0117ra tik finansinis dokumentas. Tai yra i\u0161gyvenimo \u012frankis, kuris prognozuoja, kada pinigai ateis ir i\u0161eis. Tai leid\u017eia \u012fmon\u0117ms i\u0161vengti bendros sp\u0105st\u0173, kai pelnas yra tik popieriuje, bet banke n\u0117ra pinig\u0173. […]<\/p>\n","protected":false},"author":5,"featured_media":3858,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-3857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt"],"yoast_head":"\nKaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas | Moterra<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#article\",\"isPartOf\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\"},\"author\":{\"name\":\"Egl\u0117 Sakal\u0117\",\"@id\":\"https:\/\/moterra.ai\/lt#\/schema\/person\/ac6efe55ed06ff02cf5aed4e70432323\"},\"headline\":\"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas\",\"datePublished\":\"2025-12-09T08:46:57+00:00\",\"dateModified\":\"2026-01-08T07:53:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\"},\"wordCount\":1502,\"publisher\":{\"@id\":\"https:\/\/moterra.ai\/lt#organization\"},\"image\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg\",\"articleSection\":[\"Uncategorized @lt\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\",\"url\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\",\"name\":\"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas | Moterra\",\"isPartOf\":{\"@id\":\"https:\/\/moterra.ai\/lt#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage\"},\"image\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg\",\"datePublished\":\"2025-12-09T08:46:57+00:00\",\"dateModified\":\"2026-01-08T07:53:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage\",\"url\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg\",\"contentUrl\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Pagrindinis\",\"item\":\"https:\/\/moterra.ai\/lt\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/moterra.ai\/lt#website\",\"url\":\"https:\/\/moterra.ai\/lt\",\"name\":\"Moterra\",\"description\":\"J\u016bs\u0173 AI prana\u0161umas\",\"publisher\":{\"@id\":\"https:\/\/moterra.ai\/lt#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/moterra.ai\/lt?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/moterra.ai\/lt#organization\",\"name\":\"Moterra\",\"url\":\"https:\/\/moterra.ai\/lt\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\/\/moterra.ai\/lt#\/schema\/logo\/image\/\",\"url\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2025\/07\/Moterra-logo-transparent-with-new-slogan_.svg\",\"contentUrl\":\"https:\/\/moterra.ai\/wp-content\/uploads\/2025\/07\/Moterra-logo-transparent-with-new-slogan_.svg\",\"width\":1458,\"height\":396,\"caption\":\"Moterra\"},\"image\":{\"@id\":\"https:\/\/moterra.ai\/lt#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/moterra-ai\",\"https:\/\/www.reddit.com\/r\/moterra\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/moterra.ai\/lt#\/schema\/person\/ac6efe55ed06ff02cf5aed4e70432323\",\"name\":\"Egl\u0117 Sakal\u0117\",\"description\":\"Leads Moterra\u2019s financial strategy, and growth\",\"sameAs\":[\"https:\/\/moterra.ai\/\"],\"url\":\"https:\/\/moterra.ai\/lt\/blog\/author\/eglemoterra-ai\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas | Moterra","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#article","isPartOf":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas"},"author":{"name":"Egl\u0117 Sakal\u0117","@id":"https:\/\/moterra.ai\/lt#\/schema\/person\/ac6efe55ed06ff02cf5aed4e70432323"},"headline":"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas","datePublished":"2025-12-09T08:46:57+00:00","dateModified":"2026-01-08T07:53:29+00:00","mainEntityOfPage":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas"},"wordCount":1502,"publisher":{"@id":"https:\/\/moterra.ai\/lt#organization"},"image":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage"},"thumbnailUrl":"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg","articleSection":["Uncategorized @lt"],"inLanguage":"lt-LT"},{"@type":"WebPage","@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas","url":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas","name":"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas | Moterra","isPartOf":{"@id":"https:\/\/moterra.ai\/lt#website"},"primaryImageOfPage":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage"},"image":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage"},"thumbnailUrl":"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg","datePublished":"2025-12-09T08:46:57+00:00","dateModified":"2026-01-08T07:53:29+00:00","breadcrumb":{"@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#breadcrumb"},"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#primaryimage","url":"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg","contentUrl":"https:\/\/moterra.ai\/wp-content\/uploads\/2026\/01\/cash-flow-forecast-guide-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/moterra.ai\/lt\/blog\/kaip-sudaryti-pinigu-srautu-prognoze-issamus-vadovas#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Pagrindinis","item":"https:\/\/moterra.ai\/lt"},{"@type":"ListItem","position":2,"name":"Kaip sudaryti pinig\u0173 sraut\u0173 prognoz\u0119: i\u0161samus vadovas"}]},{"@type":"WebSite","@id":"https:\/\/moterra.ai\/lt#website","url":"https:\/\/moterra.ai\/lt","name":"Moterra","description":"J\u016bs\u0173 AI prana\u0161umas","publisher":{"@id":"https:\/\/moterra.ai\/lt#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/moterra.ai\/lt?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Organization","@id":"https:\/\/moterra.ai\/lt#organization","name":"Moterra","url":"https:\/\/moterra.ai\/lt","logo":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/moterra.ai\/lt#\/schema\/logo\/image\/","url":"https:\/\/moterra.ai\/wp-content\/uploads\/2025\/07\/Moterra-logo-transparent-with-new-slogan_.svg","contentUrl":"https:\/\/moterra.ai\/wp-content\/uploads\/2025\/07\/Moterra-logo-transparent-with-new-slogan_.svg","width":1458,"height":396,"caption":"Moterra"},"image":{"@id":"https:\/\/moterra.ai\/lt#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/moterra-ai","https:\/\/www.reddit.com\/r\/moterra\/"]},{"@type":"Person","@id":"https:\/\/moterra.ai\/lt#\/schema\/person\/ac6efe55ed06ff02cf5aed4e70432323","name":"Egl\u0117 Sakal\u0117","description":"Leads Moterra\u2019s financial strategy, and growth","sameAs":["https:\/\/moterra.ai\/"],"url":"https:\/\/moterra.ai\/lt\/blog\/author\/eglemoterra-ai"}]}},"_links":{"self":[{"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/posts\/3857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/comments?post=3857"}],"version-history":[{"count":2,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/posts\/3857\/revisions"}],"predecessor-version":[{"id":4309,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/posts\/3857\/revisions\/4309"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/media\/3858"}],"wp:attachment":[{"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/media?parent=3857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/categories?post=3857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moterra.ai\/lt\/wp-json\/wp\/v2\/tags?post=3857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}