Cash Flow Planner — 12-Month Excel Forecast

Plan 12 months of business cash flow in one editable Excel workbook.

See what could be coming in, going out and remaining in your business.

The Cash Flow Planner helps freelancers, independent sellers and small business owners create a simple cash forecast without a complicated finance system.

What you'll receive

• Settings: choose a start month, opening cash balance, recurring income and expenses, and a desired cash reserve.
• Transactions: record expected cash inflows and outflows, with examples to replace.
• 12-Month Cash Flow: automatic monthly opening balance, money in, money out, net change and projected closing cash.
• Reserve alerts: highlight negative cash or balances below your threshold.
• Dashboard: summary totals and a projected closing cash chart.
• English PDF quick-start guide included in the ZIP.

Getting started

1. Download the ZIP after payment.
2. Open the workbook in Microsoft Excel.
3. Replace example values in Settings and Transactions.
4. Review the forecast and adjust your assumptions as your business changes.

Instant digital download • One-time purchase • $24 USD • No subscription

Frequently asked questions

Does the spreadsheet connect to my bank?
No. This is a manual forecast; it does not sync transactions or bank accounts.

Can I change the starting month?
Yes. The forecast uses the first month you enter in Settings and extends for 12 months.

Is it an accounting statement?
No. Projected cash flow is based on your assumptions. It is not formal accounting, tax or financial advice.

This is a downloadable Excel template. Compatible spreadsheet software is required. No physical goods will be shipped. Sample values are fictional. Licensed for the purchaser's own use; resale is not included.