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Free Tool · The Numbers Banks Look At

Goat Farm Viability Projector

Project your herd and cash flow over 5 years — herd growth, kid sales, culls and expansion — and get the bank-style verdict: IRR, NPV, benefit-cost ratio, payback and DSCR.

🐐 Herd & Growth

🏗️ Buying & Setup

Advanced

🌾 Running Costs & Income

📐 Analysis & Loan (loan optional — for DSCR)

🧾 Year-by-Year Projection

YearDoesKids SoldIncomeCostsNet CashCumulativeDSCR
—

Model: annual steps. Retained female kids join the herd the following year; culled and dead does leave it; expansion capex is charged when the herd grows. The headline IRR, NPV, BCR, payback and verdict use operating cash only; the “incl. closing herd” rows add the flock valued at purchase prices in the final year, which is optimistic. DSCR = net cash available for debt service (income minus running costs and expansion capex; tax not modelled) ÷ scheduled principal + interest that year, with interest only during any moratorium; “—” means no debt service. Loan years after the projection are simulated for DSCR only. This mirrors the structure of NABARD-style bankable project models, simplified for on-screen use.

Ready for the bank? Turn these numbers into a complete printable project report with the Project Report Generator →
Indicative model — not financial advice. Real herds vary with breed, management, disease and markets; banks use their own appraisal formats. Use this to pressure-test your plan, then verify with your bank, a qualified advisor or the Animal Husbandry Department.
Build the pieces first: project cost from the Cost & Profit Calculator, subsidy from the NLM Subsidy Estimator, repayments from the EMI Calculator.