Free download. No sign-up, no email.
Download Excel (.xlsx)7 KBWho this template is for
- Loan applicants
- Seasonal businesses
- Any owner who wants to avoid cash surprises
How to fill it in
- Enter your starting cash balance.
- Fill in expected cash sales and collections by month.
- Add loans or owner investments in the month received.
- Enter each expense in the month you pay it.
- Watch the ending cash row for any negative months.
What is inside
- Sheet: Cash Flow
- Starting cash balance
- Cash in
- Cash sales
- Collections from customers
- Loan proceeds
- Owner investment
- Total cash in
- Cash out
- Inventory and materials
- Payroll and payroll taxes
- Rent
- Utilities and phone
- Marketing
- Insurance
- Loan payments
- Taxes and licenses
- Equipment purchases
- Owner draw
- Total cash out
- Beginning cash
- Net cash flow
- Ending cash
- Lowest ending cash
Writing a full business plan?
Browse 39 free sample plans by industry, each with startup costs and projections.
Frequently asked questions
What is the difference between cash flow and profit?
Profit counts sales when earned and costs when incurred. Cash flow counts money when it actually comes in or goes out.
How often should I update a cash flow forecast?
Monthly at a minimum, replacing forecasts with actual numbers as each month ends.
Is this 12-month cash flow forecast template free to use?
Yes. Download it, edit it and use it for your own business at no cost. No account or email address is required.