12-Month Cash Flow Forecast Spreadsheet | Small Business Dashboard

Most small businesses don't run out of profit, they run out of cash. This forecast turns your sales and cost estimates into a month-by-month bank balance, so you can see a tight month in March while it's still January. A sales & collections tab models late-paying customers, and the actuals and variance tabs keep the forecast honest as the year goes on.

What's included

• Settings: start month (any month), opening balance, minimum cash buffer
• Sales & Collections: monthly sales with a payment pattern (same month / next month / two months later) and old receivables
• Forecast: 4 cash-in and 12 cash-out lines (rename freely), net flow, opening and closing balance, red flag below buffer
• Actuals + Variance: month-by-month and year-to-date overspend per line
• Dashboard: lowest balance and when, months below buffer, average monthly cash out, months of costs covered, two charts
• Filled-in example business so you can see how it works (just overwrite it)

Who it's for

• Small business owners and founders
• Freelancers with uneven income
• Anyone preparing a bank or budget review

Good to know

• Spreadsheet works in Microsoft Excel, Google Sheets (File > Import) and LibreOffice Calc. All formulas were recalculated and checked before release.
• Balances were cross-checked against an independent calculation.
• Works with any currency.
• A planning tool, not financial or tax advice.
• Original content and design. No licensed characters or brands.

Format

Instant digital download: one ZIP file with XLSX files. You also get the download link by email.

Personal-use licence. Instant download after checkout.