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We’ve compiled the most useful free cash flow forecast templates, including those for small businesses, nonprofits, and personal cash flow forecasting, as well tips for performing a cash flow forecast.

Included on this page, you'll find a simple cash flow forecast template and a small business cash flow projection template, as well as the benefits of cash flow forecasting.

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What Is a Cash Flow Forecast Template?

A cash flow forecasting template allows you to determine your company’s net amount of cash to continue operating your business. The template provides a way to examine day-by-day, month-by-month, quarter-by-quarter, or year-over-year projected cash receipts and cash payments as compared to your operating expenses and other outflows.

Use the preset criteria in a template to take the guesswork out of cash flow forecast requirements. You can then use the forecast to provide your company (or third parties) with a clear picture of your projected business costs. While cash flow forecasting allows you to look at projected cash flow, you can also track the actual cash flow for any chosen time period (i.e., daily, weekly, monthly, quarterly, or yearly).

To learn more about cash flow forecasting and to view examples, visit 'How to Create a Cash Flow Forecast, with Templates and Examples.'

Simple Cash Flow Forecast Template

Use this basic template to gain monthly insight into your company’s cash flow and ensure you have sufficient funds to continue operating. Fill in your information for beginning balance (cash on hand), cash receipts and disbursements (R&D), operating expenses, and additional expenses. The template will auto-tally the monthly net cash change and month ending cash position columns. Use this information to forecast how long your cash will last, and whether you need to obtain additional financing.

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Small Business Cash Flow Projection Template

Use this cash flow projection template, designed for small businesses, to determine whether or not your business has adequate cash to meet its obligations. The monthly columns provide a big picture of how long funds should last, and the tallies for cash receipts, cash paid out, and other operating figures allow you to identify any potential shortfalls of your cash balances. This small business cash flow template also works with projected figures for a small business plan.

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12-Month Cash Flow Forecast Template

Track your company’s overall cash flow with this easily fillable 12-month cash flow forecast template. This template includes unique expected and actual cash-on-hand details for the beginning of each month, which you can use to ensure that you can pay all employees and suppliers. Enter cash receipts and cash paid out figures to determine your end-of-month cash position. The monthly details of this forecast template allow you to track — at a glance — any threats to your company’s cash flow.

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Cash Flow Forecast Template

This simple cash flow forecast template provides a scannable view of your company’s projected cash flow. Sections include beginning and ending cash balances, cash sources, cash uses, and cash changes during the month. These details provide an accurate picture of your company’s projected month-by-month financial liquidity. Ultimately, this template will help you identify potential issues that you must address in order for your business to remain on sound fiscal footing.

Download Cash Flow Forecast Template - Excel

Daily Cash Flow Forecast Template

Use this daily cash flow forecast template to get a pulse on your business’ short-term liquidity. Daily cash flow forecasts are particularly helpful in determining that everything is accounted for and for avoiding any shortfalls. The template calculates cash payments against operating expenses to provide a daily net cash change and month-ending cash positions. This template has everything you need to get a day-by-day perspective of your business’s financial performance and outlook.

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Quarterly Cash Flow Projections Template

Keep quarterly tabs on your cash flow with this customizable template. Use the quarter-by-quarter tabs to quickly detect any problems with a variety of factors, such as late customer payments and their potential impact on your business. Fps for mac free download. This quarterly cash flow projections template is perfect for determining how any given variable might affect future financial planning.

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Three-Year Cash Flow Forecast Template

Get the big picture of your company’s long-term cash flow with this three-year cash flow forecast template. The spreadsheet provides separate tabs for a current cash flow statement, as well as 12-month cash flow and three-year cash flow projections. Enter year-by-year operations, investing activities, and financing details to see your year-over-year net increases or decreases. You can save this template as an individual file with customized entries, or share it with other business units or departments that need to provide cash flow details.

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Discounted Cash Flow Forecast Template

Designed around the concept of discounted cash flow (DCF) valuation based on future cash flows, this template allows you to perform an analysis to determine your business’ true value. You’ll find year-by-year rows, their respective incomes (cash inflow), expenses (fixed and variable), cash outflow, net cash, and DCF details (present value and cumulative present value), and actual present value, all of which culminates in net present value. This DCF forecast template is also ideal for determining the value of a potential investment.

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Nonprofit Cash Flow Projection Template

Use this template to determine whether your nonprofit will have enough cash to meet its financial obligations. There are sections for cash receipts, contributions and support, government contracts, other revenue sources, and receivables from previous years. This template is completely customizable, and provides insight into monthly and yearly carryover, so you can keep tabs on your rolling cash balance.

‌Download Nonprofit Cash Flow Projection Template

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Personal Cash Flow Forecast Template

Manage your financial outlook with this personal cash flow forecast template. Compare your personal income to your expenses, with the additional factor of savings. The automatic pie chart provides insight into whether you’re spending above your means. Enter your income, savings, and expense data to get a comprehensive picture of your short and long-term cash flow.

Download Personal Cash Flow Forecast Template

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Creating a Cash Flow Forecast

In order to set yourself up for success, you must be realistic when forecasting cash flows. You can build your projections on a foundation of key assumptions about the monthly flow of cash to and from your business. For instance, knowing when your business will receive payments and when payments are due to outside vendors allows you to make more accurate assumptions about your final funds during an operating cycle. Estimated cash flows will always vary somewhat from actual performance, which is why it’s important to compare actual numbers to your projections on a monthly basis and update your cash flow forecast as necessary. It’s also wise to limit your forecast to a 12-month period for greater accuracy (and to save time). On a monthly basis, you can add another month to create a rolling, long-term projection.

A cash flow forecast may include the following sections:

• Operating Cash: The cash on hand that you have to work with at the start of a given period. For a monthly projection, this is the cash balance available at the start of a month.
• Revenue: Depending on the type of business, revenue may include estimated sales figures, tax refunds or grants, loan payments received, or incoming fees. The revenue section covers the total sources of cash for each month.
• Expenses: Cash outflows may include your salary and other payroll costs, business loan payments, rent, asset purchases, and other expenditures.
• Net Cash Flow: This refers to the closing cash balance, which reveals whether you have excess funds or a deficit.

Keep in mind that while many costs are recurring, you also need to consider one-time costs. Additionally, you should plan for seasonal changes that could impact business performance, as well as any upcoming promotional events that may boost sales. Depending on the size and complexity of your business, you may want to delegate the responsibility of creating a cash flow forecast to an accountant. However, small businesses can save time and money with a simple cash flow projections template.

The Benefits of Cash Flow Forecasting

Regardless of the reporting period, or granularity, you choose for your cash flow forecast, you should take into account important cash flow forecast-specific factors, such as seasonal trends, to gain a clear picture of your company’s finances. Accurate cash flow forecasting can enable you to do the following:

• Anticipate any cash-balance shortfalls.
• Verify that you have enough cash on hand to pay suppliers and employees.
• Call attention to customers not paying on time, and eliminate cash flow discrepancies.
• Act proactively, in the event that cash flow issues will adversely affect budgets.
• Notify stakeholders, such as banks, who might require such forecasting for loans.

Tips for Improving Cash Flow Forecasting

Whether you are a large or small business and want a day-by-day or three-year picture of your company’s projected cash flow,keep the following tips in mind:

• Pick the Right Cash Flow Forecasting Template: There are templates available for a variety of forecasting needs, including those for organization size and one that provides short or long-term insights. Select a template that’s suitable to your particular cash flow forecasting needs.
• Use a Discounted Cash Flow (DCF) Template: If you are looking to estimate the current value of your company, based on the time value of money (the benefit of receiving cash infusions sooner than later), you’ll want to do a DCF.
• Enter Variables Accurately: Inflows and outflows can change on a literal dime. Ensure that you tally all beginning balances (cash on hand), cash receipts and disbursements (R&D), and operating expenses correctly. These numbers provide the big-picture net cash change and your ultimate cash position.
• Choose the Right Forecasting Horizon: The margin of error when using a three-year cash flow forecasting template is greater than performing a daily cash flow forecast. When choosing a template, keep in mind the time-period for the forecast.
• Consider Seasonal Fluctuations: If your cash flow fluctuates by season (tax, interest, larger annual payments, etc.), incorporate those details into your cash flow forecast. This will ensure that one quarter’s inflow doesn’t positively or negatively affect another in your forecast.

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When you start your business, time and money may be in short supply. Your top priorities may be to find customers and deliver a great product or service. So you may not have automated administrative tasks like bookkeeping and accounting when you open your doors.

Many small business owners use an Excel accounting template when they start operations. Most people are familiar with Excel, and using the application is straightforward. But keep in mind that Excel bookkeeping is not a solution for a growing business. As your business grows, you’ll need to post more accounting transactions. And bookkeeping in Excel can lead to errors and inefficiency.

In the meantime, you’ll still need to understand the accounting process and how you can complete each task using Excel accounting. You’ll need to set up accounts, post transactions, and create financial statements using Excel. Let’s look at an example.

Centerfield Sporting Goods opened on January 1, 2020. They’re using an Excel bookkeeping template to manage the business. The first thing they’ll need to do is create a chart of accounts.

How to start a chart of accounts

The chart of accounts lists every account number and the account’s description. Balance sheet accounts, such as cash and accounts receivable, are listed first, followed by income statement accounts. Centerfield uses one revenue account (#6000 sales) in the income statement and several expense accounts.

Centerfield manufactures and sells baseball gloves. The business uses the cost of sales accounts for both materials and labor. They can add, remove, and change accounts as needed.

Once you build a chart of accounts in an accounting spreadsheet, create a separate Excel document to post journal entries.

How to post transactions using journal entries

A journal entry is a record of each accounting transaction listed in chronological order. Bookkeepers post transactions using a journal entry.

The journal includes the journal entry number, accounts, dollar amounts, and a description of each entry. Journal entries include debits and credits that determine where to post a particular dollar amount in the entry.

What is a debit in accounting?

Post debit entries on the left side of each journal entry. Asset and expense accounts increase with a debit entry, with some exceptions. In entry No. 1, inventory (an asset account) increases with a $10,000 debit.

What is a credit in accounting?

Post credit entries on the right side of each journal entry. Liability and revenue accounts increase with a credit entry, with some exceptions.

Accounts payable, for example, is a liability account that increases with a credit. In entry No. 2, accounts payable decreases with a debit when Centerfield pays cash to remove a payable balance.

The total dollar amount you post to each debit account must equal the total dollar amount of credits. Each journal entry has an equal amount of debit and credit dollar amounts. The total debits and credits for the partial listing total $20,000. The number of debit and credit entries, however, may be different.

Using the balance sheet formula to post journal entries

The balance sheet formula (or accounting equation) determines whether you use a debit or a credit for a particular account. The balance sheet is one of the three basic financial statements that every business owner should analyze to make financial decisions. Business owners also review income statements and cash flow statements.

A balance sheet reports your business’s assets, liabilities, and equity as of a specific date.

1. Assets are what your business owns. Assets are the resources you use to produce revenue.
2. Liabilities are what your business owes to other parties. Liabilities include accounts payable and long-term debt.
3. Equity is the difference between assets and liabilities. You can think of equity as the true value of your business.

A balance sheet formula connects the balance sheet components. Add liabilities to equity to determine your assets.

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Assets = liabilities + equity

You can use the formula to create financial statements. But assets must stay balanced with liabilities and equity.

Assume, for example, that a business issues a $10,000 bond and receives cash. The company posts a $10,000 debit to cash (an asset account) and a $10,000 credit to bonds payable (a liability account).

On your balance sheet, you’d add the $10,000 increase in liabilities to the $0 change in equity to get a $10,000 assets increase.

$10,000 assets increase = $10,000 increase liabilities + $0 change equity

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Accounting software ensures that each journal entry balances the formula and total debits and credits.

How to post journal entries using Excel

Follow these steps to create accounting templates for your journals each month:

1. Copy and paste your chart of accounts into the spreadsheet.
2. Set up the column headings for date, account number, account title, etc.
3. Add rows to the document each time you need to post a journal entry.
4. Copy and paste the account numbers and account titles from the chart of accounts into the entry.

Use formulas to ensure that total debits equal total credits. Add a total formula that tracks the total dollar amount of debits and credits for all journal entries. Now, you’ve created your journal entry for your general ledger.

How to use the general ledger to create financial statements

A company’s general ledger is a record of every transaction it posts throughout its lifetime, including all journal entries. Business owners and accounting professionals use the data in the general ledger to create financial statements.

General ledgers sort transactions by account. Each account lists the journal entries that posted activity to the account during a particular month. General ledgers provide the date, journal entry, and the entry description, along with the debit or credit amount and the ending balance.

It’s important to note the cash general ledger page only lists the cash portion of each journal entry. Journal entry No. 1 only lists the $10,000 reduction (credit) in cash. The inventory increase (debit) is listed in the inventory general ledger but not in the cash general ledger.

The benefit of the general ledger is that you can review every journal entry that impacted a particular account. Unfortunately, creating a general ledger using Excel is time-consuming. And a large number of data entries may increase the risk of error.

How to manage a general ledger using Excel

Use the column headers that you see in the Centerfield general ledger example to set up a general ledger template for each account in your chart of accounts.

1. At the beginning of each month, post each balance sheet account’s beginning balance in a blank general ledger template. Income statement balances are adjusted to zero at the end of each month.
2. Each time that you post a journal entry, post the activity to the general ledger. If you post a journal entry that impacts cash and inventory, you also post the activity to those accounts in the general ledger.
3. At the end of the month, calculate the ending balance for each account. Use the ending balances in the general ledger to create the trial balance.

How to create a trial balance in Excel

The trial balance is a listing of each account used to post transactions and the current account balance. Follow these steps to create a trial balance in Excel:

1. Take the account numbers and descriptions from the chart of accounts and copy the date into a new spreadsheet.
2. Add a debit and credit column next to each account. Post each account’s ending balance from the general ledger into the spreadsheet.
3. Total the debits and credits for all accounts. If you’ve posted journal entries and general ledger activity correctly, total debits should equal total credits.

If total debits and credits don’t balance, check each journal entry and verify you posted the data to the general ledger correctly. If you still have an error, check the formulas in your general ledger spreadsheet. Once you have an accurate trial balance, you’re ready to generate financial statements.

How to generate financial statements in Excel

The most useful financial statements are income statements and balance sheets. The statement of cash flow is also one of the basic financial statements. But it can be challenging to generate in Excel. As your business grows, you can use software to produce all three statements. If you’re using Excel, stick with the income statement and balance sheet.

Create an Excel template and use it to generate the income statement each month. Keep the formulas for the subtotals so that you can check your work. Post the account balances from your trial balance.

How to post net income in Excel

You won’t find net income listed in the chart of accounts. Net income in the income statement increases equity (account No. 4800), which is a balance sheet account. When you produce the income statement, net income subtracts total expenses from total revenue. You’ll use net income in the balance sheet.

Create an Excel template and use it to generate the balance sheet each month. Keep the formulas for the subtotals so that you can check your work. Post the account balances from your trial balance.

Net income from the income statement increases equity in the balance sheet. This is a big source of confusion for small business owners, so you may get help from an accountant if you’re using Excel. Ask your accountant to verify that you’ve added net income to the equity account correctly.

How to close the accounts in Excel

Balance sheet accounts are permanent. Income statement accounts are temporary. So you can “close” income statement accounts to the net income.

Net income is the net impact of all revenue and expense transactions for the month. When you post the net income balance to equity in the balance sheet, the revenue and expense accounts are adjusted to zero. On the first day of the next month, the income statement accounts start with zero balances.

Balance sheet accounts, on the other hand, are permanent accounts. The balances carry forward from one month to the next.

Streamline your accounting and bookkeeping processes

Accounting spreadsheets require manual entry, so your risk of error is high. Business owners who use spreadsheets may use an outdated version of the program and risk losing documents altogether. And if spreadsheet links contain errors, your data may be incorrect.

Use QuickBooks to save time and increase the accuracy of your accounting records. If you need a real-time spending tracker, select from the expense reports available. Then scan receipts and other source documents and attach them to journal entries. Use QuickBooks to download your bank statements and credit card activity into your accounting records. You’ll save time and reconcile your bank account faster.

With accounting software, you can process more transactions in less time. Make the switch to accounting software, so you’re ready to take on more business. Compare QuickBooks Online to spreadsheets.

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