Cash Flow Forecast – 12-Month Excel Cash Flow Template with Actuals & Variance

See it in action

The simplest way to see whether your business will have enough cash. Enter your opening bank balance and the money you expect to come in and go out each month; the forecast rolls your balance forward for 12 months, highlights any month that drops below your safety buffer, and shows the lowest point of the year. As months close, add your actuals to track real performance against the plan.

What it does

• 12-month forecast – 10 cash-in and 20 cash-out lines you can rename, with monthly and annual totals
• Rolling balance – net cash flow, opening and closing balance for every month
• Cash-crunch warnings – months below your minimum buffer or overdrawn are flagged, with the lowest balance and when it happens
• Actuals & variance – enter real figures to see actual closing balance and variance against forecast
• Line-by-line review – pick a month to compare forecast and actual for each line, better or worse
• Dashboard & charts – cash in vs cash out and closing balance vs buffer
• Protected formulas – calculations are locked and hidden so nothing breaks by accident

Who it’s for

Small business owners, start-ups, sole traders, charities and managers who need to plan cash, talk to the bank or prepare a business plan.

What’s included

• 1 Excel workbook (.xlsx): How to Use, Dashboard, Forecast, Actuals and Settings
• A sample retail business with a full year forecast and three months of actuals
• Built-in How to Use guide and sample data you can clear in one step

Requirements

Microsoft Excel 2010 or later, including Excel 2019, 2021 and Microsoft 365 (Windows or Mac). Not designed for Google Sheets.

This is a digital download. No physical item will be shipped. Your file is available to download immediately after purchase.