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Plan, predict, and protect your business's cash position. Built in Google Sheets to help you project your cash inflows and outflows—so you never run out of money.

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Your cash flow forecast shows:

When cash will come in from sales and collections

A cash flow forecast is a forward-looking financial tool that helps you project how much cash your business expects to receive and spend over a set period—typically 12 months. It provides insight into your liquidity, helping you avoid shortfalls and make smarter decisions.

Whether you're planning for growth, managing seasonal fluctuations, or preparing for unexpected expenses, your cash flow forecast answers the question: "Will I have enough cash to run my business?"

Successful businesses use cash flow forecasting to stay ahead of cash crunches, plan investments, and maintain healthy operations.

When major expenses and payments are due

Potential cash shortages before they happen

Your peak cash needs throughout the year

The best times to invest, hire, or expand

Whether you need financing and when

Your starting cash position for each month.

• Cash in bank accounts
• Available credit lines
• Short-term investments
• Petty cash and deposits

Money expected to come into your business.

Operating Inflows:

• Customer payments and collections
• Product and service sales
• Recurring revenue and subscriptions
• Accounts receivable collections

Other Inflows:

• Loan proceeds
• Investment funding
• Asset sales
• Interest income

Money expected to leave your business.

Operating Outflows:

• Payroll and benefits
• Rent and utilities
• Supplier payments
• Marketing and advertising costs
• Insurance and professional fees

Other Outflows:

• Loan payments
• Equipment purchases
• Tax payments
• Owner draws or distributions

Opening Cash + Cash Inflows - Cash Outflows = Closing Cash Balance

This formula helps you track your cash position month by month and identify when you might need additional funding.

Example:

Opening Cash: $25,000

Cash Inflows: $40,000

Cash Outflows: $35,000

Closing Cash: $25,000 + $40,000 - $35,000 = $30,000

If your closing cash balance drops too low, you'll know to arrange financing or adjust your spending.

1. Enter your beginning cash:

• Input your starting cash for the first month in the green cell
• This becomes your opening cash balance

2. Add cash inflows

• List all incoming sources by category (e.g., sales, receivables, funding)
• Enter expected amounts for each month
• Include timing of customer payments and other revenue

3. Add cash outflows:

• List all outgoing payments (e.g., payroll, rent, subscriptions)
• Enter expected amounts and payment dates
• Include both fixed and variable expenses

4. Review net cash:

• List all outgoing payments (e.g., payroll, rent, subscriptions)
• Enter expected amounts and payment dates
• Include both fixed and variable expenses

5. Adjust future months:

• Copy recurring items or customize each month for seasonality and new plans
• Update projections as business conditions change

The template automatically ensures you can see your cash position month by month and plan ahead for any shortfalls.

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