Running out of cash sinks more small businesses than low profit. Plan 12 months ahead, get warned before your balance dips below your safety buffer, and compare the plan with what really happened. This cash flow forecast template works in Excel and Google Sheets.

What it does

12-month forecast of cash in and cash out
Months with real data switch to actuals automatically
Closing balance for every month with a low-cash warning
Forecast vs actual variance, month by month
Dashboard with balance trend, net flow and lowest projected balance

How it works

Settings: set your opening cash balance and minimum cash buffer.
Cash Flow: type your expected cash in and out for each month.
Transactions: log real income and expenses; past months update from them.

What’s inside

Start Here guide, Dashboard (12 headline numbers and 6 charts), Transactions, Cash Flow, Analysis and Settings sheets.

Good to know

Excel and Google Sheets: open it in Microsoft Excel, or upload it to Google Drive and choose Open with → Google Sheets. Formulas, dropdowns and charts carry over.
Colour-coded: blue cells are for your entries, grey cells calculate automatically, so you can’t break a formula by accident.
Sample data included: a demo business fills every sheet so the dashboard works from day one. Clear the blue cells when you start.
Any currency: amounts show without a symbol, and you set your currency once in Settings.

Want every template?

This template is part of the Small Business Complete Bundle: all 38 templates in six workbooks, each with its own dashboard.

Step-by-step guide

New to this? Read our guide: How to Create a Cash Flow Forecast in Excel.

Delivery

Instant download right after payment. The download link is also emailed to you and works up to 5 times within 30 days. One-time payment, no subscription. As a digital product, it is non-refundable once downloaded, but if a file is faulty we fix it, replace it or refund you. See our refund policy.

Cash Flow Forecast Excel Template

Cash Flow Forecast