Cash flow forecast template for Excel

A free workbook with two forecasts: 13 weeks week by week, and 12 months month by month. The formulas are in place; you type in the amounts.

Opens in Excel, Google Sheets, Numbers and LibreOffice. No sign-up.

13 weeks, week by week
The next quarter in weekly steps: the view for spotting a tight week before it arrives, when there is still time to chase an invoice or move a payment.
12 months, month by month
The year ahead in monthly steps: the view for planning a hire, a large purchase or the corporation tax bill.

What is in each sheet

Money in: Invoices paid by clients (by the date you expect the money) and anything else you can rely on.
Money out: Net pay, suppliers and bills, rent and overheads, VAT, PAYE and corporation tax, loan repayments.
Running balance: Each closing balance becomes the next opening balance, so the whole forecast moves when you change one figure.
Buffer check: Enter the lowest balance you want to keep once. Any period below it turns red, and a summary shows the lowest point and when it falls.

Enter today's bank balance, the first week (or month) and your cash buffer in the yellow cells at the top.
Put each unpaid sales invoice in the period you realistically expect the money, not the invoice date. The debtor days calculator shows how late your customers usually pay.
Put every bill, payroll run, rent payment and loan repayment in the period it is due.
Add VAT, PAYE and corporation tax on their due dates. The free VAT, PAYE and corporation tax tools give the dates.
Read the check column and the summary under the table. A period in red is below your buffer: see how much cash buffer you need.
Each week (or month), replace the forecast with what actually happened and roll forward.

The step-by-step guide to the 13-week version is in the 13-week cash flow forecast guide.

General information, not financial, tax or legal advice.

Cadence reads your invoices and bills, learns when each customer really pays, and keeps the forecast current. No card needed.