Financial Assumptions
Financial Assumptions are the set of rates and parameters that Vibz uses to calculate all numbers in the Financial Modeling. It's not an exercise with its own content to "complete" — it's the configuration that underpins all other exercises in this stage.
What it's for
Instead of manually calculating how much tax comes out of each revenue stream, or how much labor charges add to an employee's salary, you define these rates once here, and Vibz automatically applies them to Revenue, Expenses, Personnel, Income Statement, Cash Flow, and Investment Analysis.
The Assumptions button appears at the top of every Financial Modeling page precisely because these rates affect all of them — it's not a button specific to any single exercise.
What you configure
Initial Cash Balance — how much money the business has in cash at the beginning of the projections.
Projected Annual Inflation and Benchmark Interest Rate — the macroeconomic parameters used in long-term projections.
CLT Labor Charges and PJ Labor Charges — the additional percentage on the remuneration for each type of hiring, used in the Personnel exercise.
Partner Pro-labore Charges — the charges on partner withdrawals.
Taxes on Revenue — the tax rate applied to everything the business invoices (deducted from Net Revenue in the Income Statement and Cash Flow).
Taxes on Profit — the IR/CSLL rate applied to the result before tax, in the Income Statement.
Financial Fees — costs of day-to-day financial operations (e.g., card machine fees, bank charges).
Asset Depreciation Rate — the rate used to depreciate equipment and other assets over time.
Average Default Rate — the percentage of revenue expected not to be received; used to calculate Net Revenue and "Effectively Received Revenue" in the Cash Flow.
Base Attractiveness Rate (TMA) — the minimum expected rate of return, used as a reference in Investment Analysis (payback, NPV, IRR).
How to use
Open the Assumptions panel on any Financial Modeling page, adjust the values, and click Save Assumptions. The change automatically propagates to all calculated reports (Income Statement, Cash Flow, Investment Analysis) — you don't need to manually redo anything in other exercises.
Tips
Adjust the Assumptions before relying on the numbers for Revenue, Income Statement, or Cash Flow — the default values are generic and rarely reflect your business exactly.
If your accountant already has the actual rates for your business's tax regime (Simples, Lucro Presumido, etc.), use them here instead of the default values.
The Base Attractiveness Rate (TMA) is the most strategic of the assumptions: it defines what "worthwhile" means in the Investment Analysis. A TMA of 20% is conservative for many businesses; adjust it according to the actual risk of your sector.