Free Financial Projection and Forecasting Templates

By Andy Marker | January 3, 2024

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We’ve collected the top free financial projection and forecasting templates. These templates enable business owners, CFOs, accountants, and financial analysts to plan future growth, manage cash flow, attract investors, and make informed decisions.  On this page, you'll find many helpful, free, customizable financial projection and forecasting templates, including a  1 2-month financial projection template , a  startup financial projection template , a  3-year financial projection template , and a  small business financial forecast template , among others. You’ll also find details on the  elements in a financial projection template ,  types of financial projection and forecasting templates , and  related financial templates .

Simple Financial Projection Template

Simple Financial Projection Example Template

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Excel | Google Sheets  

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Excel | Google Sheets    

Small business owners and new entrepreneurs are the ideal users for this simple financial projection template. Just input your expected revenues and expenses. This template stands out due to its ease of use and focus on basic, straightforward financial planning, making it perfect for small-scale or early-stage businesses. Available with or without sample text, this tool offers clear financial oversight, better budget management, and informed decision-making regarding future business growth. 

Looking for help with your business plan? Check out these  free financial templates for a business plan to streamline the process of organizing your business's financial information and presenting it effectively to stakeholders.

Financial Forecast Template

Financial Forecast Example Template

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This template is perfect for businesses that require a detailed and all-encompassing forecast. Users can input various financial data, such as projected revenues, costs, and market trends, to generate a complete financial outlook. Available with or without example text, this template gives you a deeper understanding of your business's financial trajectory, aiding in strategic decision-making and long-term financial stability. 

These  free cash-flow forecast templates help you predict your business’s future cash inflows and outflows, allowing you to manage liquidity and optimize financial planning.

12-Month Financial Projection Template

12-Month Financial Projection Example Template

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Use this 12-month financial projection template for better cash-flow management, more accurate budgeting, and enhanced readiness for short-term financial challenges and opportunities. Input estimated monthly revenues and expenses, tracking financial performance over the course of a year. Available with or without sample text, this template is ideal for business owners who need to focus on short-term financial planning. This tool allows you to respond quickly to market shifts and plan effectively for the business's crucial first year. 

Download  free sales forecasting templates to help your business predict future sales, enabling better inventory management, resource planning, and decision-making.

Startup Financial Projection Template

Startup Financial Projection Example Template

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This dynamic startup financial projection template is ideal for startup founders and entrepreneurs, as it's designed specifically for the unique needs of startups. Available with or without example text, this template focuses on clearly outlining a startup's initial financial trajectory, an essential component for attracting investors. Users can input projected revenues, startup costs, and funding sources to create a comprehensive financial forecast.

3-Year Financial Projection Template

3-Year Financial Projection Example Template

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This three-year financial projection template is particularly useful for business strategists and financial planners who are looking for a medium-term financial planning tool. Input data such as projected revenues, expenses, and growth rates for the next three years. Available with or without sample text, this template lets you anticipate financial challenges and opportunities in the medium term, aiding in strategic decision-making and ensuring sustained business growth.

5-Year Financial Forecasting Template

5-Year Financial Forecasting Example Template

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CFOs and long-term business planners can use this five-year financial forecasting template to get a clear, long-range financial vision. Available with or without example text, this template allows you to plan strategically and invest wisely, preparing your business for future market developments and opportunities. This unique tool offers an extensive outlook for your business’s financial strategy. Simply input detailed financial data spanning five years, including revenue projections, investment plans, and expected market growth. Visually engaging bar charts of key metrics help turn data into engaging narratives.

Small Business Financial Forecast Template

Small Business Financial Forecast Example Template

Download a Sample Small Business Financial Forecast Template for 

Download a Blank Small Business Financial Forecast Template for 

Excel | Google Sheets 

The small business financial forecast template is tailored specifically for the scale and specific requirements of small enterprises. Business owners and financial managers can simply input data such as projected sales or expenses. Available with or without sample text, this tool offers the ability to do the following: envision straightforward financial planning; anticipate future financial needs and challenges; make informed decisions; and steer the business toward steady growth.

Elements in a Financial Projection Template

The elements in a financial projection template include future sales, costs, profits, and cash flow. This template illustrates expected receivables, payables, and break-even dates. This tool helps you plan for your business's financial future and growth.   

Here are the standard elements in a financial projection template:   

  • Revenue Projection: This estimates future income from various sources over a specific period.
  • Expense Forecast: This predicts future costs, including both fixed and variable expenses.
  • Profit and Loss Forecast:  This projects the profit or loss by subtracting projected expenses from projected revenues.
  • Cash-Flow Projection: This assesses the inflows and outflows of cash, indicating liquidity over time.
  • Balance Sheet Projection: This predicts the future financial position, showing assets, liabilities, and equity.
  • Break-Even Analysis: This calculates the point at which total revenues equal total costs.
  • Capital Expenditure Forecast: This estimates future spending on fixed assets such as equipment or property.
  • Debt Repayment Plan: This outlines the schedule for paying back any borrowed funds.
  • Sales Forecast:  This predicts future sales volume, often broken down by product or service.
  • Gross Margin Analysis:  This looks at the difference between revenue and cost of goods sold.

Types of Financial Projection and Forecasting Templates

There are many types of financial projection and forecasting templates: basic templates for small businesses; detailed ones for big companies; special ones for startup businesses; and others. There are also sales forecasts, cash-flow estimates, and profit and loss projections. 

In addition, financial projection and forecasting templates include long-term planning templates, break-even analyses, budget forecasts, and templates made for specific industries such as retail or manufacturing. 

Each template serves different financial planning needs. Determine which one best suits your requirements based on the scale of your business, the complexity of its financial structure, and the specific department that you want to analyze.

Here's a list of the top types of financial projection and forecasting templates:  

  • Basic Financial Projection Template: Ideal for small businesses or startups, this template provides a straightforward approach to forecasting revenue, expenses, and cash flow.
  • Detailed Financial Projection Template: Best for larger businesses or those with complex financial structures, this template offers in-depth projections, including balance sheets, income statements, and cash-flow statements.
  • Startup Financial Projection Template: Tailored for startups, this template focuses on funding requirements and early-stage revenue forecasts, both crucial for attracting investors and planning initial operations. 
  • Sales Forecasting Template:  Used by sales and marketing teams to predict future sales, this template helps you set targets and plan marketing strategies. 
  • Cash-Flow Forecast Template: Essential for financial managers who need to monitor the liquidity of the business, this template projects cash inflows and outflows over a period. 
  • Profit and Loss Forecast Template (P&L):  Useful for business owners and financial officers who need to anticipate profit margins, this template enables you to forecast revenues and expenses.  
  • Three-Year / Five-Year Financial Projection Template: Suitable for long-term business planning, these templates provide a broader view of your company’s financial future, improving your development strategy and investor presentations. 
  • Break-Even Analysis Template:  Used by business strategists and financial analysts, this template helps you determine when your business will become profitable. 
  • Budget Forecasting Template:  Designed for budget managers, this template uses historical financial data to help you plan your future spending. 
  • Sector-Specific Financial Projection Template:  Designed for specific industries (such as retail or manufacturing), these templates take into account industry-specific factors and benchmarks.

Related Financial Templates

Check out this list of free financial templates related to financial projections and forecasting. You'll find templates for budgeting, tracking profits and losses, planning your finances, and more. These tools help keep your company’s money matters organized and clear.

Free Project Budget Templates

Simple Budget Plan Template

Use one of these  project budget templates to maintain control over project finances, ensuring costs stay aligned with the allocated budget and improving overall financial management.

Free Monthly Budget Templates

free cash flow projection template for business plan

Use one of these  monthly budget templates to effectively track and manage your business’s income and expenses, helping you plan financially and save money.

Free Expense Report Templates

Simple Expense Report Template

Use one of these  expense report templates to systematically track and document all business-related expenditures, ensuring accurate reimbursement and efficient financial record-keeping.

Free Balance Sheet Templates

Basic Balance Sheet Template

Use one of these  balance sheet templates to summarize your company's financial position at a given time.

Free Cash-Flow Forecast Templates

Cash Flow Forecast Template

Use one of these  cash-flow forecast templates to predict future cash inflows and outflows, helping you manage liquidity and make informed financial decisions.

Free Cash-Flow Statement Templates

free cash flow projection template for business plan

Use one of these  cash-flow statement templates to track the movement of cash in and out of your business, so you can assess your company’s level of liquidity and financial stability.

Free Discounted Cash-Flow (DCF) Templates

Sample Discounted Cash Flow Template

Use one of these  discounted cash-flow (DCF) templates to evaluate the profitability of investments or projects by calculating their present value based on future cash flows.

Free Financial Dashboard Templates

Executive Dashboard Template

Use one of these  financial dashboard templates to get an at-a-glance view of key financial metrics, so you can make decisions quickly and manage finances effectively.

Related Customer Stories

Free financial planning templates.

Business Budget Template

Use one of these  financial planning templates to strategically organize and forecast future finances, helping you set realistic financial goals and ensure long-term business growth.

Free Profit and Loss (P&L) Templates

Printable Profit and Loss Statement Template

Use one of these  profit and loss (P&L) templates to systematically track income and expenses, giving you a clear picture of your company's profitability over a specific period.

Free Billing and Invoice Templates

Commercial Invoice

Use one of these  billing and invoice templates to streamline the invoicing process and ensure that you bill clients accurately and professionally for services or products.

Plan and Manage Your Company’s Financial Future with Financial Projection and Forecasting Templates from Smartsheet

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  • Cash Flow Projection – The Co...

Cash Flow Projection – The Complete Guide (Template + Examples)

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Listen to the blog:

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Key Takeaways

  • Receive a step-by-step guide for developing a cash flow projection model.
  • Examine real-world examples that illustrate how cash flow projections function in practice.
  • Learn from industry executives as they discuss the six shortfalls in cash flow projections and offer strategies for overcoming them.

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Introduction

Cash flow projections represent the beating heart of a company’s financial rhythm. It’s not just a tool; it’s a compass that guides the CFO’s office in making critical decisions for growth, stability, and seizing opportunities—and at what rate.

When done right, finance teams are at their best, firing on all cylinders, and everyone wins. But finger-pointing and distrust can spread like wildfire when done wrong,” highlights Gerry Daly, AVP of Product Strategy – Treasury at HighRadius. “Cash flow optimization is a team sport; a top-notch projecting process can vault performance to new heights.”

This post will explain everything you need to know about cash flow projections — what it is, steps to project and forecast your cash flow, and best practices by industry experts.

What Is Cash Flow?

To grasp the concept of cash flow projections, we must first understand the essence of cash flow itself. Cash flow is all about the movement of money flowing in and out of business. It reflects the company’s financial health and liquidity, capturing the inflows and outflows of cash over a specific timeframe.

To truly grasp your business’s financial landscape, you must understand the stages of cash flow: operating, investing, and financing activities, and how to analyze and make sense of it.

How to Perform a Cash Flow Analysis (Template + Examples)

What Is Cash Flow Projection?

Cash flow projection is the process of estimating and predicting future cash inflows and outflows within a defined period—usually monthly, quarterly, or annually.

Think of cash flow projection (also referred to as a cash flow forecast) as a financial crystal ball that allows you to peek into the future of your business’s cash movements. It involves mapping out the expected cash inflows (receivables) from sales, investments, and financing activities and the anticipated cash outflows (payables) for expenses, investments, and debt repayments.

It provides invaluable foresight into your business’s anticipated cash position, helping you plan for potential shortfalls, identify surplus funds, and make informed financial decisions.

Why Are Cash Flow Projections Important for Your Business?

Managing cash flow is a critical aspect of running a successful business. It can be the determining factor between flourishing and filing for Chapter 11 (aka bankruptcy ).

In fact, studies reveal that 30% of business failures stem from running out of money. To avoid such a fate, by understanding and predicting the inflow and outflow of cash, businesses can make informed decisions, plan effectively, and steer clear of potential financial disasters.

Step-by-Step Guide to Creating a Cash Flow Projection

Step 1: choose the type of projection model.

  • Determine the appropriate projection model based on your business needs and planning horizon.
  • Consider the following factors when choosing a projection model:
  • Short-term Projections: Covering a period of 3-12 months, these projections are suitable for immediate planning and monitoring.
  • Long-term Projections: Extending beyond 12 months, these projections provide insights for strategic decision-making and future planning.
  • Combination Approach: Use a combination of short-term and long-term projections to address both immediate and long-range goals.

Step 2: Gather Historical Data and Sales Information

  • Want to determine where you’re going? Take a look at where you’ve already been. Collect relevant historical financial data, including cash inflows and outflows from previous periods.
  • Analyze sales information, considering seasonality, customer payment patterns, and market trends.

Pro Tip: Finance teams often utilize accounting software to ingest a range of historical and transactional data. Read on to discover the business use cases of implementing a treasury management solution for optimal cash flow management .

Step 3: Project Cash Inflows

  • Estimate cash inflows based on sales forecasts, considering factors such as payment terms and collection periods.
  • Utilize historical data and market insights to refine your projections.

Step 4: Estimate Cash Outflows

  • Identify and categorize various cash outflows components, such as operating expenses, loan repayments, supplier payments, and taxes.
  • Use historical data and expense forecasts to estimate the timing and amount of cash outflows.

Pro Tip: By referencing the cash flow statement, you can identify the sources of cash inflows and outflows. Click here to learn more about analyzing projected cash flow statement.

Step 5: Calculate Opening and Closing Balances

  • Calculate the opening balance for each period, which represents the cash available at the beginning of the period.
  • Opening Balance = Previous Closing Balance
  • Calculate the closing balance by considering the opening balance, cash inflows, and cash outflows for the period.
  • Closing Balance = Opening Balance + Cash Inflows – Cash Outflows

Step 6: Account for Timing and Payment Terms

  • Consider the timing of cash inflows and outflows to create a realistic cash flow timeline.
  • Account for payment terms with customers and suppliers to align projections with cash movements.

Step 7: Calculate Net Cash Flow

  • Calculate the net cash flow for each period, which represents the difference between cash inflows and cash outflows.
  • Net Cash Flow = Cash Inflows – Cash Outflows

Pro Tip: Calculating the net cash flow for each period is vital for your business as it gives you a clear picture of your future cash position. Think of it as your future cash flow calculation.

Step 8: Build Contingency Plans

  • Incorporate contingency plans to mitigate unexpected events impacting cash flow, such as economic downturns or late payments.
  • Create buffers in your projections to handle unforeseen circumstances.

Step 9: Implement Rolling Forecasts

  • Embrace a rolling forecast approach, where you regularly update and refine your cash flow projections based on actual performance and changing circumstances.
  • Rolling forecasts provide a dynamic view of your cash flow, allowing for adjustments and increased accuracy.

Cash Flow Projection Example

Let’s take a sneak peek into the cash flow projection of Pizza Planet, a hypothetical firm. In March, they begin with an opening balance of $50,000 . This snapshot will show us how their finances evolved during the next 4 months.

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Here are 5 key takeaways from the above cash flow projection analysis for Pizza Planet:

  • Upsurge in Cash Flow from Receivables Collection (April):
  • Successful efforts in collecting outstanding customer payments result in a significant increase in cash flow.
  • Indicates effective accounts receivable management and timely collection processes.
  • Buffer Cash Addition (May and June):
  • The company proactively adds buffer cash to prepare for potential financial disruptions.
  • Demonstrates a prudent approach to financial planning and readiness for unexpected challenges.
  • Spike in Cash Outflow from Loan Payment (May):
  • A noticeable cash outflow increase is attributed to borrowed funds’ repayment.
  • Suggests a commitment to honoring loan obligations and maintaining a healthy financial standing.
  • Manageable Negative Net Cash Flow (May and June):
  • A negative net cash flow during these months is offset by positive net cash flow in other months.
  • Indicates the ability to handle short-term cash fluctuations and maintain overall financial stability.
  • Consistent Closing Balance Growth:
  • The closing balance exhibits a consistent and upward trend over the projection period.
  • Reflects effective cash flow management, where inflows cover outflows and support the growth of the closing cash position.

Overall, the cash flow projection portrays a healthy cash flow for Pizza Planet, highlighting their ability to collect receivables, plan for contingencies, manage loan obligations, resilience in managing short-term fluctuations, and steadily improve their cash position over time.

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6 Common Pitfalls to Avoid When Creating Cash Flow Projections

At HighRadius, we recently turned our research engine toward cash flow forecasting to shed light on the sources of projection failures. One of our significant findings was that most companies opt for unrealistic projections models that don’t mirror the actual workings of your finance force.

Cash flow projections are only as strong as the numbers behind them. No one can be completely certain months in advance if literal or figurative storm clouds are waiting for them on the horizon. Defining a realistic cash flow projection for your company is crucial to achieving more accurate results. Don’t let optimism cloud your key assumptions. Stick to the most likely numbers for your projections.

A 5% variance is acceptable, but exceeding this threshold warrants a closer look at your key assumptions. Identify any logical flaws that may compromise accuracy. Take note of these pitfall insights we’ve gathered from finance executives who have shared their experiences:

  • Sales Estimates:
  • Avoid overly generous sales forecasts that can undermine projection accuracy.
  • Maintain a realistic approach to sales projections to ensure reliable cash flow projections.
  • Accounts Receivable: 
  • Reflect the payment behavior of your customers accurately in projections, especially if they tend to pay on the last possible day despite a 30-day payment schedule.
  • Adjust the projection cycle to align with the actual payment patterns.
  • Accounts Payable:
  • Factor in annual and quarterly bills on the payables side of your projections.
  • Consider potential changes in tax rates if your business is expected to reach a new tax level.
  • Cyclical Trends:
  • Account for seasonal fluctuations and cyclical trends specific to your industry.
  • Analyze historical data to identify patterns and adjust projections accordingly to reflect these variations.
  • Contingencies and Unexpected Events:
  • Incorporate contingencies in your projections to prepare for unforeseen circumstances such as economic downturns, natural disasters, or changes in market conditions.
  • Build buffers to mitigate the impact of unexpected events on your cash flow.

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  • Scenario Planning:
  • Failing to create multiple scenarios can leave you unprepared for different business outcomes.
  • Develop projections for best-case, worst-case, and moderate scenarios to assess the impact of various circumstances on cash flow.

By addressing these pitfalls and adopting best practices shared by finance executives, you can create more reliable and effective cash flow projections for your business. Stay proactive and keep your projections aligned with the realities of your industry and market conditions.

How Automation Helps in Projecting Cash Flow?

Building a cash flow projection chart is just the first step; the real power lies in the insights it can provide. Cash flow projection is crucial, but let’s face it – the traditional process is resource-consuming and hampers productivity. Finance teams have no choice but to abandon it and let it gather dust for the remainder of a month. 

However, there’s a solution: a cash flow projection automation tool. 

Professionals in Controlling or Treasury understand this need for automation, but it requires an investment of time and money. Building a compelling business case is straightforward, especially for companies prioritizing cash reporting, forecasting, and leveraging the output for day-to-day cash management and investment planning.

Consider the following 3 business use cases shared by finance executives, highlighting the benefits that outweigh the initial investment:

Scalability and Adaptability:

Forecasting cash flow in spreadsheets is manageable in the early stages, but as your business grows, it becomes challenging and resource-intensive. Manual cash flow management struggles to keep up with the increasing transactions and customer portfolios.

Many businesses rely on one-off solutions that only temporarily patch up cash flow processes without considering the implications for the future. Your business needs an automation tool that can effortlessly scale with your business, accommodating evolving needs.

Moreover, such dependable partners often offer customization options, allowing you to tailor the cash flow projections to your specific business requirements and adapt to changing market dynamics.

Time Savings:

Consider a simple example of the time and effort involved in compiling a 13-week cash flow projection for stakeholders every week. The process typically includes

  • Capture cash flow data from banking and accounting platforms and classify transactions.
  • Create short-term forecasts using payables and receivables data.
  • Model budget and other business plans for medium-term forecasts.
  • Collect data from various business units, subsidiaries, and inventory levels.
  • Consolidate the data into a single cash flow projection.
  • Perform variance and sensitivity analysis.
  • Compile reporting with commentary.

This process alone can consume many hours each week. Let’s assume it takes six hours for a single resource and another six hours for other contributors, totaling 12 hours per week or 624 hours per year.

How to Build a 13-Week Cash Forecast (Excel Template)

Imagine the added time spent on data conversations, information requests, and follow-ups. Cash reporting can quickly become an ongoing, never-ending process.

By implementing a cash flow projection automation tool, you can say goodbye to tedious manual tasks such as logging in, downloading data, manipulating spreadsheets, and compiling reports. Automating these processes saves your team countless hours, allowing them to focus on strategic initiatives and high-value activities.

Accuracy and Efficiency:

When it comes to cash flow monitoring and projection, accuracy is paramount for effective risk management. However, manual data handling introduces the risk of human error, which can have significant financial implications for businesses. These challenges may include:

  • Inaccurate financial decision-making
  • Cash flow uncertainty
  • Increased financial risks
  • Impaired stakeholder confidence
  • Wasted resources and time
  • Compliance and reporting challenges
  • Inconsistent data processing

Automating cash flow projections mitigates these risks by ensuring accurate and reliable results. An automation tool’s consistent data processing, real-time integration, error detection, and data validation capabilities instil greater accuracy, reliability, and confidence in the projected cash flow figures.

For example, Harris , a leading national mechanical contractor, transformed their cash flow management by adopting an automation tool. They achieved up to 85% accuracy across forecasts for 900+ projects and gained multiple 360-view projection horizons, from 1-Day to 6-Months, updated daily. This improvement in accuracy allowed the team to focus on higher-value tasks, driving better outcomes.

Read the full story

Cash Flow Projections with HighRadius

Managing cash flow projections today requires a host of tools to track data, usage, and historic revenue trends as seen above. Teams rely on spreadsheets, data warehouses, business intelligence tools, and analysts to compile and report the data.

HighRadius has consistently provided its customers with powerful AI and forecasting tools to support real-time visibility, historical tracking, and predictive insights so your teams can reap the benefits of automated cash flow management.

When your forecast is off, you can miss opportunities to invest in growth or undermine your credibility and investor confidence. An accurate forecast means predictable growth and increased shareholder confidence. 

At HighRadius, we would be delighted to discuss how we can bolster your business’s cash flow and treasury management needs. Request a demo today .

Learn more about the Future of Cash Flow Forecasting here .

Cash Flow Projection FAQs

How do you prepare a projected cash flow statement.

Steps to prepare a projected cash flow statement :

  • Analyze historical cash flows.
  • Estimate future sales and collections from customers.
  • Forecast expected payments to suppliers and vendors.
  • Consider changes in operating, investing, and financing activities.
  • Compile all these estimates into a projected cash flow statement for the desired period.

What is a 3-year projected cash flow statement?

A 3-year projected cash flow statement forecasts cash inflows and outflows for the next three years. It helps businesses assess their expected cash position and plan for future financial needs and opportunities.

What are the 4 key uses for a cash flow forecast?

  • Evaluate cash availability for operational expenses and investments.
  • Identify potential cash flow gaps or surpluses.
  • Support financial planning, budgeting, and decision-making.
  • Assist in securing financing or negotiating favorable terms with stakeholders.

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Related Resources

How to Improve the Accuracy of Accounts Payable Forecasting

Getting Back to Basics: Cash Management Done Right

Getting Back to Basics: Cash Management Done Right

From Spreadsheet Woes to Cash Flow Control: How Automation Can Revolutionize Your Cash Flow Management

From Spreadsheet Woes to Cash Flow Control: How Automation Can Revolutionize Your Cash Flow Management

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How to Create a Cash Flow Forecast

Male entrepreneur and restaurant owner sitting at a table while the location is closed. Working on a cash flow forecast to check on his business health.

10 min. read

Updated October 27, 2023

A good cash flow forecast might be the most important single piece of a business plan . All the strategy, tactics, and ongoing business activities mean nothing if there isn’t enough money to pay the bills.

That’s what a cash flow forecast is about—predicting your money needs in advance.

By cash, we mean money you can spend. Cash includes your checking account, savings, and liquid securities like money market funds. It is not just coins and bills.

Profits aren’t the same as cash

Profitable companies can run out of cash if they don’t know their numbers and manage their cash as well as their profits.

For example, your business can spend money that does not show up as an expense on your  profit and loss statement . Normal expenses reduce your profitability. But, certain spending, such as spending on inventory, debt repayment, new equipment, and purchasing assets reduces your cash but does not reduce your profitability. Because of this, your business can spend money and still look profitable.

On the sales side of things, your business can make a sale to a customer and send out an invoice, but not get paid right away. That sale adds to the revenue in your profit and loss statement but doesn’t show up in your bank account until the customer pays you.

That’s why a cash flow forecast is so important. It helps you predict how much money you’ll have in the bank at the end of every month, regardless of how profitable your business is.

Learn more about the differences between cash and profits .

  • Two ways to create a cash flow forecast

There are several legitimate ways to do a cash flow forecast. The first method is called the “Direct Method” and the second is called the “Indirect Method.” Both methods are accurate and valid – you can choose the method that works best for you and is easiest for you to understand.

Unfortunately, experts can be annoying. Sometimes it seems like as soon as you use one method, somebody who is supposed to know business financials tells you you’ve done it wrong. Often that means that the expert doesn’t know enough to realize there is more than one way to do it.

  • The direct method for forecasting cash flow

The direct method for forecasting cash flow is less popular than the indirect method but it can be much easier to use.

The reason it’s less popular is that it can’t be easily created using standard reports from your business’s accounting software. But, if you’re creating a forecast – looking forward into the future – you aren’t relying on reports from your accounting system so it may be a better choice for you.

That downside of choosing the direct method is that some bankers, accountants, and investors may prefer to see the indirect method of a cash flow forecast. Don’t worry, though, the direct method is just as accurate. After we explain the direct method, we’ll explain the indirect method as well.

The direct method of forecasting cash flow relies on this simple overall formula:

Cash Flow = Cash Received – Cash Spent

And here’s what that cash flow forecast actually looks like:

sample cash flow with the direct method

Let’s start by estimating your cash received and then we’ll move on to the other sections of the cash flow forecast.

What’s your biggest business challenge right now?

Forecasting cash received.

You receive cash from four primary sources: 

1. Sales of your products and services

In your cash flow forecast, this is the “Cash from Operations” section. When you sell your products and services, some customers will pay you immediately in cash – that’s the “cash sales” row in your spreadsheet. You get that money right away and can deposit it in your bank account. You might also send invoices to customers and then have to collect payment. When you do that, you keep track of the money you are owed in  Accounts Receivable . When customers pay those invoices, that cash shows up on your cash flow forecast in the “Cash from Accounts Receivable” row. The easiest way to think about forecasting this row is to think about what invoices will be paid by your customers and when.

2. New loans and investments in your business

You can also receive cash by getting a new loan from a bank or an investment. When you receive this kind of cash, you’ll track it in the rows for loans and investments. It’s worth keeping these two different types of cash in-flows separate from each other, mostly because loans need to be repaid while investments do not need to be repaid.

3. Sales of assets

Assets  are things that your business owns, such as vehicles, equipment, or property. When you sell an asset, you’ll usually receive cash from that sale and you track that cash in the “Sales of Assets” section of your cash flow forecast. For example, if you sell a truck that your company no longer needs, the proceeds from that sale would show up in your cash flow statement.

4. Other income and sales tax

Businesses can bring in money from other sources besides sales. For example, your business may make interest income from the money that it has in a savings account. Many businesses also collect taxes from their customers in the form of sales tax, VAT, HST/GST, and other tax mechanisms. Ideally, businesses record the collection of this money not in sales but in the cash flow forecast in a specific row. You want to do this because the tax money collected isn’t yours – it’s the government’s money and you’ll eventually end up paying it to them.

Forecasting cash spent

Similar to how you forecast the cash that you plan on receiving, you’ll forecast the cash that you plan on spending in a few categories:

1. Cash spending and paying your bills

You’ll want to forecast two types of cash spending related to your business’s operations: Cash Spending and Payment of Accounts Payable. Cash spending is money that you spend when you use petty cash or pay a bill immediately. But, there are also bills that you get and then pay later. You track these bills in  Accounts Payable . When you pay bills that you’ve been tracking in accounts payable, that cash payment will show up in your cash flow forecast as “payment of accounts payable”. When you’re forecasting this row, think about what bills you’ll pay and when you’ll pay them. In this section of your cash flow forecast, you exclude a few things: loan payments, asset purchases, dividends, and sales taxes.

2. Loan Payments

When you make forecast loan repayments, you’ll forecast the repayment of the principal in your cash flow forecast. The interest on the loan is tracked in the “non-operating expense” that we’ll discuss below.

3. Purchasing Assets

Similar to how you track sales of assets, you’ll forecast asset purchases in your cash flow forecast. Asset purchases are purchases of long-lasting, tangible things. Typically, vehicles, equipment, buildings, and other things that you could potentially re-sell in the future. Inventory is an asset that your business might purchase if you keep inventory on hand.

4. Other non-operating expenses and sales tax

Your business may have other expenses that are considered “non-operating” expenses. These are expenses that are not associated with running your business, such as investments that your business may make and interest that you pay on loans. In addition, you’ll forecast when you make tax payments and include those cash outflows in this section. 

Forecasting cash flow and cash balance

In the direct cash flow forecasting method, calculating cash flow is simple. Just subtract the amount of cash you plan on spending in a month from the amount of cash you plan on receiving. This will be your “net cash flow”. If the number is positive, you receive more cash than you spend. If the number is negative, you will be spending more cash than you receive. You can predict your cash balance by adding your net cash flow to your cash balance.

  • The indirect method

The indirect method of cash flow forecasting is as valid as the direct and reaches the same results.

Where the direct method looks at sources and uses of cash, the indirect method starts with net income and adds back items like depreciation that affect your profitability but don’t affect the cash balance.

The indirect method is more popular for creating cash flow statements about the past because you can easily get the data for the report from your accounting system.

You create the indirect cash flow statement by getting your Net Income (your profits) and then adding back in things that impact profit, but not cash. You also remove things like sales that have been booked, but not paid for yet.

Here’s what an indirect cash flow statement looks like:

projected cash flow with the indirect method

There are five primary categories of adjustments that you’ll make to your profit number to figure out your actual cash flow:

1. Adjust for the change in accounts receivable

Not all of your sales arrive as cash immediately. In the indirect cash flow forecast, you need to adjust your net profit to account for the fact that some of your sales didn’t end up as cash in the bank but instead increased your accounts receivable.

2. Adjust for the change in accounts payable

Very similar to how you make an adjustment for accounts receivable, you’ll need to account for expenses that you may have booked on your income statement but not actually paid yet. You’ll need to add these expenses back because you still have that cash on hand and haven’t paid the bills yet.

3. Taxes & Depreciation

On your income statement, taxes and depreciation work to reduce your profitability. On the cash flow statement, you’ll need to add back in depreciation because that number doesn’t actually impact your cash. Taxes are may have been calculated as an expense, but you may still have that money in your bank account. If that’s the case, you’ll need to add that back in as well to get an accurate forecast of your cash flow.

4. Loans and Investments

Similar to the direct method of cash flow, you’ll want to add in any additional cash you’ve received in the form of loans and investments. Make sure to also subtract any loan payments in this row.

5. Assets Purchased and Sold

If you bought or sold assets, you’ll need to add that into your cash flow calculations. This is, again, similar to the direct method of forecasting cash flow.

  • Cash flow is about management

Remember: You should be able to project cash flow using competently educated guesses based on an understanding of the flow in your business of sales, sales on credit, receivables, inventory, and payables.

These are useful projections. But, real management is minding the projections every month with plan versus actual analysis so you can catch changes in time to manage them. 

A good cash flow forecast will show you exactly when cash might run low in the future so you can prepare. It’s always better to plan ahead so you can set up a line of credit or secure additional investment so your business can survive periods of negative cash flow.

  • Cash Flow Forecasting Tools

Forecasting cash flow is unfortunately not a simple task to accomplish on your own. You can do it with spreadsheets, but the process can be complicated and it’s easy to make mistakes. 

Fortunately, there are affordable options that can make the process much easier – no spreadsheets or in-depth accounting knowledge required.

If you’re interested in checking out a cash flow forecasting tool, take a look at LivePlan for cash flow forecasting. It’s affordable and makes cash flow forecasting simple.

One of the key views in LivePlan is the cash flow assumptions view, as shown below, which highlights key cash flow assumptions in an interactive view that you can use to test the results of key assumptions:

Utilizing LivePlan allows you to actively change and adjust your forecasts with a simple dashboard.

With simple tools like this, you can explore different scenarios quickly to see how they will impact your future cash.

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Content Author: Tim Berry

Tim Berry is the founder and chairman of Palo Alto Software , a co-founder of Borland International, and a recognized expert in business planning. He has an MBA from Stanford and degrees with honors from the University of Oregon and the University of Notre Dame. Today, Tim dedicates most of his time to blogging, teaching and evangelizing for business planning.

free cash flow projection template for business plan

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Free 1-year Financial Projection Template

Complete the form to get your copy of this free resource!

Free excel template to create financial projections for any business startup and first year. Forecast revenue, expenses, employee costs and generate an income statement, balance sheet, and cash flow pro forma automatically

free cash flow projection template for business plan

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Free 1 Year Pro Forma Template

Download our 12 months financial projection template for free.  This tool will allow you to:

  • Forecast startup costs
  • Project your first 12 months of product or service revenue
  • Forecast your operating expenses
  • Add Salary Forecasts for your employees

Once you have input all of your own assumptions, you will be able to generate:

  • 12 month pro forma income statement
  • 12 month cash flow forecast
  • 12 month balance sheet projection
  • Basic graphs and charts

This free financial model is industry agnostic.  If you need an industry specific financial model you can check out ProjectionHub’s premium pro forma templates .  

Below you will be able to see some examples of the input and outputs of the projection spreadsheet. 

Financial Model Input Examples

Below you will be able to see examples of the input tabs for startup costs, fixed assets, revenue, operating expenses and salaries. 

Example of Startup Cost Forecast

The financial model input assumptions tab will include general assumptions and startup costs like your fixed assets like buildings, equipment, leasehold improvements and vehicles.  On the input assumptions tab you will also be able to include startup cost assumptions like initial inventory. 

free cash flow projection template for business plan

12 Month Revenue Forecast Example

Our revenue assumptions tab will allow you to forecast your number of customers, the products or services they purchase, the purchase price and the percentage of total units sold represented by each product. You can see a quick example of our revenue model below:

free cash flow projection template for business plan

Startup Operating Expense Projections Example

You can enter in your operating expense projections for your startup in the table below.  It will allow you to add expenses as a fixed monthly expense or a percentage of revenue. 

free cash flow projection template for business plan

Startup Salary Forecasting Example

The last input tab is our salary forecast assumptions.  You can set a salary, employer taxes, benefits, the month the employee starts and ends, and the number of the particular employee.  

free cash flow projection template for business plan

Projection Template Output Examples

Our free financial model spreadsheet will produce 12 months of income statement, cash flow and balance sheet projections.  You can see examples of each of these outputs below along with some of the basic charts and graphs that will be included. 

Example of a 12 Month Pro Forma P&L

Below you will see an example of our income statement pro forma output. 

free cash flow projection template for business plan

Cash Flow Forecast 12 Month Example

Next you will see an example of our cash flow forecast output with cash from operating activities, financing and investing activities. 

free cash flow projection template for business plan

Balance Sheet Forecast Example for 12 Months

The balance sheet forecast output will include 12 months of forecasted assets and liabilities as seen below:

free cash flow projection template for business plan

Pro Forma Graphs

Finally, our free template includes a profit and loss at a glance, a monthly sales forecast and graph to display monthly sales, gross profit and net income.  

free cash flow projection template for business plan

If you are needing a more tailored template to your industry as well as 5 years of projections, we have 100+ different industry templates to choose from as well:

Examples: Restaurant, Trucking, SaaS, Airbnb, Brewery, Dentist, etc.

Check out our Highly Rated Financial Projection Templates

Cash flow projection template

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What is a cash flow projection?

A cash flow projection is the process of estimating cash in and out of the business over a specific period of time. The goal is to predict future cash positions to avoid a cash shortage and earn returns on any cash surplus the business may have. A properly prepared cash flow projection provides the business with a view of all expected funds that will be coming in and going out of the business. Knowing your projected cash flow can provide a solid basis for making business decisions.

Who can use this free cash flow projection template?

Cash flow projection templates are commonly used by businesses, entrepreneurs, financial analysts, and accountants.

Why should businesses use a cash flow projection template

The cash flow projection template is used for many different reasons, including:

  • Financial planning : A cash flow projection template helps in planning future cash flows, allowing businesses to allocate resources effectively and make informed financial decisions.
  • Identifying trends and patterns : Cash flow projection templates can help enable businesses to proactively respond to changing market conditions.
  • Risk management : By anticipating cash flow gaps or surpluses, businesses can develop contingency plans and manage financial risks. Businesses can manage their cash resources effectively to avoid cash shortages and optimize cash utilization.
  • Communication with stakeholders : A projected cash flow template can help clearly communicate financial expectations and plans to stakeholders, such as investors, lenders, or internal management.

How to prepare a cash flow projection template

Here’s how to do a cash flow projection in Excel:

Step 1: Download cash flow projection Excel template.

Step 2: Estimate your monthly sources of cash.

Step 3: Estimate all your expenses each period related to company operations and overhead.

Step 4: Totals in the template will be automatically calculated.

Step 5: Verify your cash projection.

You can find more detailed instructions on how to use our cash flow projection template upon download .

What is the purpose of a cash flow projection template?

The purpose of a cash flow projection template is to estimate  future cash inflows and outflows for a business or individual, typically extending several months to several years.

What information does a cash flow projection template include?

A cash flow projection template includes information that helps you estimate the anticipated cash inflows and outflows for a specific period. The level of detail and complexity can vary based on the needs of the business or individual, but some key components in a cash flow projection template include:

  • Beginning cash balance
  • Cash inflows
  • Cash outflows
  • Net cash flow
  • Ending cash balance
  • Notes and assumptions

Cash flow projection vs. cash flow forecast

Cash flow projection and cash flow forecast are often used interchangeably, but can be distinguished by timeframe and level of detail. Cash flow projection templates estimate cash inflows and outflows over several months to years, taking into consideration a wider range of financial factors. Cash flow forecast templates, on the other hand, focus on the short-term (week, month, quarter) liquidity needs and opportunities.

Can this cash flow projection template be used in Google Sheets?

Yes, download our cash flow projection Excel template. Then in Google Sheets, follow these steps:

  • Create a new or open an existing spreadsheet.
  • Click File. Import.
  • Choose the Excel cash flow projection template file and click Select.
  • Choose an import location option: Create new spreadsheet, Insert new sheet(s), or Replace spreadsheet.
  • Click Import data and you should have this cash flow projection spreadsheet in Google Sheets.

free cash flow projection template for business plan

Cash Flow Forecasting: A How-To Guide (With Templates)

Janet Berry-Johnson, CPA

Reviewed by

May 30, 2023

This article is Tax Professional approved

Most small business owners just want their accounting done so they can focus on doing what they love. But tracking and forecasting cash flow—despite the time and effort required—is essential for starting, operating, and expanding a business.

What's Bench?

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In 2018, CB Insights analyzed 101 failed startups and found that running out of cash was the second most common cause of failure, impacting 29% of businesses.

To avoid that fate, you need a cash flow forecast to help you estimate how much your cash outflows and inflows will affect your business.

What is a cash flow forecast?

A cash flow forecast (also known as a cash flow projection) is like a budget, but rather than estimating revenues and expenses, it estimates cash coming in and going out based on past business performance.

It’s not uncommon for a business to experience a cash shortage, even when sales are good. This usually happens when customers are allowed to pay after the product or service is delivered. In cases like these, a business owner must plan how they will cover costs before receiving the payment.

For example, say Hana Enterprises ships $50,000 worth of security products to customers in January, along with invoices that are due in 30 days. The company will have $50,000 of revenues for the month but won’t receive any cash until February. On paper, the business looks healthy, but all of its sales are tied up in the accounts receivable. Unless Hana Enterprises has plenty of cash on hand at the beginning of the month, they will have trouble covering their expenditures until they start receiving cash from clients.

With a cash flow forecast, you ignore sales on credit, accounts payable, and accrued expenses, instead focusing on the revenue you actually expect to collect and the expenses you actually expect to pay during a given period. You can also use the information provided on past cash flow statements to estimate your expenses for the period you’re forecasting for.

( If you just want to dive into cash flow forecasting, check out our free cash flow forecast template . )

The benefits of cash forecasting

Cash forecasting may sound like something boring that accountants do in big companies. Not so! It’s absolutely essential for every single business. Here’s why:

  • It helps you identify potential problems. Cash forecasting can help you predict the months in which you’re likely to experience a cash deficit and make necessary changes, like changing your pricing or adjusting your business plan.
  • It decreases the impact of cash shortages. When you can predict months in which you might experience a cash shortage, you can take steps to plan for them. You might save more in months where you have a surplus, step up your receivables collection efforts, or establish a line of credit with your bank to guarantee enough working capital to last the period.
  • It keeps suppliers and employees happy. Late payments and missing paychecks damage your reputation with suppliers and employees. When you can predict how much money you’ll have on hand in any given month, you can confirm that you’ll be able to meet your payroll obligations and pay suppliers by the due date.

Free cash flow forecast template

To make this a lot easier, we’ve created a business cash flow forecast template for Excel you can start using right now.

Access Template

The template has three essential pieces:

  • Beginning cash balance. This is the actual cash you expect to have on hand at the beginning of the month. It should include bank accounts, PayPal, Venmo, anything you use that’s currently holding just business funds. This information can be found on your balance sheet .
  • Sources of cash. These are all of your cash inflows each month. It can include cash sales, receivables collections, repayments from money you’ve loaned out, etc.
  • Uses of cash. This is every expense your business may incur, including payroll, payments to vendors, utilities, rent, loan payments, etc.

Here’s an example of a completed cash flow projection for a three month period:

Hana Enterprises, Inc.

Cash Flow Projection

January to March 2022

As you can see from the example above, Hana Enterprises expects to have a cash shortage in March. This results from a negative net cash flow (when more cash goes out than comes in). Knowing that information ahead of time, the company can take steps to prevent the shortage from occurring.

Hana Enterprises has several options to avoid this shortage in March. They might secure a line of credit from the bank, purchase fewer computers in February, negotiate longer payment terms from vendors, contact late-paying customers to speed up the collection of receivables, or take other cost-cutting measures to reduce their overhead expenses.

When you’re ready to get started, download your copy of the cash flow forecasting sheet here .

How Bench can help

Use Bench’s simple, intuitive platform to get all the information you need to project your cash flow. Each month, your transactions are automatically imported into our platform then categorized and reviewed by your personal bookkeeper. Bench helps you stay on top of your business’s top expenses so you can make informed budgeting decisions on the fly. Explore our platform with a free tour today .

Tips for improving your cash flow spreadsheet

Keep in mind: a cash flow forecast isn’t something you create once a year and never look at again. It’s a living, breathing business tool you should review and update on a monthly basis.

Though projections are helpful, they can’t perfectly predict the future. As the months pass, you should expect to see that your projections aren’t quite matching up with your actual results. That means it’s time to re-run your forecast to take into account these differences.

To improve the accuracy of your cash flow worksheet, consider the following:

  • Account for extra pay periods. If you pay employees bi-weekly, make sure your projection takes into account any months with three payrolls.
  • Remember annual payments. If certain insurance policies, subscriptions, or other expenses are paid annually rather than monthly, be sure to include them in your spreadsheet.
  • Remember estimated tax payments. For most calendar-year businesses, estimated tax payments are due on April 15th, June 15th, September 15th, and January 15th.
  • Don’t forget about savings. Try to allocate a portion of any cash surpluses to save for lean months.
  • Identify seasonal fluctuations. If you’re expecting a period of time with lower sales, make sure your forecast reflects this so you can have enough cash on hand to ramp up when business picks up again.
  • Don’t forecast too far out. Creating a rolling 12-month cash flow forecast that you update at the end of each month can help you identify issues before your business faces financial troubles, but don’t try to forecast more than 12 months out. The longer the reporting period you want to forecast, the more likely you’ll end up spending a lot of time creating a cash flow projection that doesn’t provide any useful information.

Your cash flow forecast is key to good cash flow management . Try to account for all cash sources and uses in your projection and maintain an emergency fund or backup plan to ensure you don’t get sidelined by slow-paying customers or unexpected expenses. When you do, this simple but valuable tool can help you keep an eye on cash and ensure you don’t compromise growth or put your business in jeopardy.

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free cash flow projection template for business plan

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Cash Flow Projection Business Plan Template

Cash Flow Projection Business Plan Template

What is a Cash Flow Projection Business Plan?

A cash flow projection business plan is a planning tool used to project future cash flows and identify potential financial risks. It is used to assess the financial health of a business and helps to inform decision-making and budgeting. The plan provides an overview of the anticipated cash flows of the business over a given period, allowing owners to plan ahead and adjust their strategies accordingly.

What's included in this Cash Flow Projection Business Plan template?

  • 3 focus areas
  • 6 objectives

Each focus area has its own objectives, projects, and KPIs to ensure that the strategy is comprehensive and effective.

Who is the Cash Flow Projection Business Plan template for?

This cash flow projection business plan template is designed for entrepreneurs, business owners, and financial professionals. It can help them to plan and project cash flows for their businesses, identify potential financial risks, and create a roadmap for the business’s financial future. This template can be used to create a comprehensive and effective plan.

1. Define clear examples of your focus areas

Focus areas are the broad topics that define the goals of a strategic plan. Examples of focus areas for a cash flow projection business plan could include: Project Cash Flow; Increase Revenue; Optimize Expenses.

2. Think about the objectives that could fall under that focus area

Objectives are the specific goals that you hope to achieve within each focus area. Examples of objectives for the focus area Project Cash Flow could include: Develop a business plan to project cash flows; Create a cash flow projection plan.

3. Set measurable targets (KPIs) to tackle the objective

KPIs are measurable targets that can be used to track progress towards a specific objective. Examples of KPIs for the objective Develop a business plan to project cash flows could include: Analyze industry-related cash flow projection methods.

4. Implement related projects to achieve the KPIs

Projects are the specific actions that must be taken in order to achieve a KPI. Examples of projects for the KPI Analyze industry-related cash flow projection methods could include: Research cash flow projection methods.

5. Utilize Cascade Strategy Execution Platform to see faster results from your strategy

The Cascade Strategy Execution Platform is a powerful tool that enables businesses to create, track, and report on their strategic objectives and goals. With Cascade, leaders and teams can easily create, track, and report on their strategic objectives and goals, as well as quickly adjust their strategy as needed. Cascade also provides real-time updates and data, allowing them to make informed decisions in order to achieve their desired goals.

Free cash flow projection template

Download a free cash flow projection template for your business. And learn how Xero software can make reporting easier.

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Cash flow projection template with 'your business name' circled

Download the cash flow projection template

Fill in the form to get a free cash flow projection template as an editable PDF. We’ll also link you to a guide on how to use it.

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Getting started with the cash flow projection template

You can see how to use this cash flow projection template in our example below (we’ll also send the link along with the template). In short, you’ll enter upcoming costs and income on a timeline to see when you might have surplus cash.

A cash flow projection is for looking into the future. It will help you predict how much money will be in the bank next week, next month, or even next year. That allows you to make better spending decisions.

Xero does not provide accounting, tax, business or legal advice. This template has been provided for information purposes only. You should consult your own professional advisors for advice directly relating to your business.

Get on top of cash flow and stay there

Software can take the guesswork out of forecasting. Set up Xero to capture your financial data and it will keep you on top of the numbers.

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  • Included Get alerted when sales invoices go past due
  • Included Check your future cash flow from your phone

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Access Xero features for 30 days, then decide which plan best suits your business.

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User-friendly 3-year cash flow projection template for hassle-free forecasting

Arjun Ruparelia

A cash flow projection is a crucial tool for businesses to forecast their future financial health. With a 3-year cash flow projection template , a financial forecast can be made that estimates the anticipated inflows and outflows of cash for a business over a three-year period.

Estimating the inflows and outflows of cash over a 3-year timeline provides insights into the expected cash position of the company and helps in assessing its financial health and sustainability. Businesses can make informed decisions, plan for growth, and identify potential cash shortages based on such financial forecasts.

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What is a cash flow spreadsheet?

A cash flow spreadsheet, also called a cash flow statement projection, uses software like Excel or Google Sheets to track and analyse cash inflows and outflows.

The spreadsheet has columns for periods (e.g., months) and rows for cash flow categories. This tool allows input of actual and projected numbers, providing a visual representation of trends and aiding cash flow monitoring. It helps identify shortages/surpluses and informs financial decisions. Formulas automate calculations, generating summaries, charts, and graphs. Crucial for financial planning, budgeting, and forecasting, this spreadsheet streamlines the analysis and interpretation of cash flow data.

What is a projected 3-year cash flow?

A projected 3-year cash flow is a financial statement that outlines the anticipated cash inflows and outflows for a business over a specific three-year timeframe. It takes into account factors such as sales revenue, expenses, investments, loan repayments, and other sources. It uses cash to determine the net cash position at the end of each period.

Using a 3-year cash flow projection template, a projection is made, which serves as a tool for businesses to plan and make informed financial decisions.

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Purpose of a projected 3-year cash flow for businesses

The primary purpose of a projected 3-year cash flow is to provide a forward-looking view of a company's cash position. Estimating future cash flows helps businesses to :

Forecast financial health: A projected cash flow allows businesses to assess their financial health and solvency by identifying potential cash shortfalls or surpluses in advance.

Plan for growth: The forecasting helps in evaluating the financial feasibility of growth strategies, such as expanding operations, entering new markets, or investing in new products or services.

Identify financing needs: It enables businesses to determine if additional financings, such as loans or equity investments, will be required to cover anticipated cash deficits or support growth initiatives.

Make informed decisions: With a clear understanding of future cash flows, businesses can make informed decisions about expenditures, pricing strategies, cost management, and investment opportunities.

How to do yearly cash flow projection?

To create a yearly cash flow projection, follow these steps:

  • Set up spreadsheet: Organise categories, ensure systematic data entry and calculations.
  • Identify and estimate cash inflows: Consider sales revenue, receivables, interest income, etc.
  • Identify and estimate cash outflows: Categorise and estimate expenses like rent, payroll, and loans.
  • Calculate net cash flow: Subtract total outflows from inflows for surplus/deficit.
  • Calculate opening and closing balances: Consider the previous period's closing balance, and add net cash flow.
  • Review and adjust: Compare projection to actual data, and update for accuracy.
  • Monitor and update: Stay informed of changes in revenue, expenses, and market conditions.
  • Analyse and make decisions: Compare projections to goals, assess financial health, and make informed choices for cost management, investments, and strategies.

By forecasting future cash flows, businesses can proactively address potential financial challenges, plan for growth, and make informed decisions.

How to do triennial cash flow projections?

The process of creating a yearly cash flow projection is similar to that of a three-year cash flow projection. To create a projected 3-year cash flow, businesses gather historical financial data and use it as a basis for estimating future cash flows.

By analysing past trends and considering factors such as market conditions, sales forecasts, expense projections, and capital expenditure plans, businesses can build a comprehensive and realistic cash flow projection.

Step 1: Gather historical data

To begin, collect your company's historical financial statements, including balance sheets, income statements, and c ash flow statements for the past three years. This data will serve as a foundation for building your cash flow forecast.

Step 2: Identify cash inflows

List all potential sources of cash inflows , such as sales revenue, loans, investments, and other income streams. Analyse your historical data to determine the average amounts and timing of these inflows. Consider factors like seasonality, market trends, and any upcoming changes in your business operations that may affect cash inflows.

Step 3: Estimate cash outflows

Next, identify and categorise your expected cash outflows. This includes costs such as employee salaries, rent, utilities, raw materials, marketing expenses, loan repayments, and taxes. Again, refer to your historical financial data and account for any anticipated changes in costs, such as upcoming investments or cost-saving measures.

Step 4: Calculate net cash flow

By deducting the total cash outflows from the total cash inflows, you can calculate your net cash flow for each period. A cash flow positive indicates a surplus, while a negative value indicates a cash deficit. Be realistic and conservative in your estimations to ensure accuracy in your projection.

Step 5: Consider cash reserves and financing options

Assess your current cash reserves and determine if they are sufficient to cover any projected cash deficits .

Explore financing options such as bank loans, lines of credit, or equity investments to bridge the gap, if any. Incorporate these additional funds into your projection, including the associated costs and repayment terms.

Step 6: Review and refine

Regularly review and refine your cash flow projection as new information becomes available or circumstances change. Update your projection at least on a quarterly basis, comparing the actual results with your projections to identify any discrepancies or adjustments required.

What is a cash flow statement template?

A cash flow statement template is a tool used to present a business's cash inflows & outflows over a specific period. The template provides a structured format to organise and analyse cash flow information, allowing businesses and individuals to assess their liquidity, financial health, and cash management capabilities. It helps track the movement of cash throughout different activities, such as operating, investing, and financing activities.

A typical cash flow statement template consists of the following:

Opening Cash Balance: It represents the cash balance at the beginning of the period.

Cash Inflows: These include the sources of cash during the period, such as cash received from sales, interest income, dividends, or any other cash receipts.

Cash Outflows: These accounts for the cash payments made during the period, including expenses, purchases of assets, interest payments, taxes, and other operating costs.

Operating Activities: It summarises the cash flows related to the core operations of the business, such as revenue incurred from sales, payments made to suppliers, salaries & wages, and other operating expenses.

Investing Activities: It captures cash flows from investing activities, such as purchases or sales of property, plant, and equipment, investments in other businesses, or proceeds from the sale of investments.

Financing Activities: It records cash flows from financing activities, including proceeds from loans, issuance of stock, repayment of debt, or payment of dividends.

Net Cash Flow: It calculates the net increase or decrease in cash during the period by deducting the total cash outflows from the total cash inflows.

Closing Cash Balance: It shows the cash balance at the end of the period, which is calculated by adding the net cash flow to the opening cash balance.

Free 3-year Cash flow projection template for easy use

Benefits of using a 3-year cash flow projection template.

The benefits of using a 3-year cash flow projection template are:

  • Gain a comprehensive understanding of how future projects affect your business's financial performance.
  • Anticipate and plan for any potential cash shortfalls, allowing you to effectively strategise and manage your resources.
  • Proactively adjust and adapt to changes by utilising the insights from the 3-year projections.
  • Utilise the projections to outline and formulate growth and expansion strategies.
  • Perform variance analysis to compare and assess the variance between budgeted and actual cash flows.
  • Enhance your chances of securing bank loans and external financing by presenting a solid cash flow and forecast and demonstrating a strong repayment capacity.
  • Conduct accurate analysis of detailed scenarios, enabling you to make informed decisions.
  • Evaluate the impact of cost-saving measures on future cash flows and overall business valuations.

Creating a 3-year cash flow projection is an essential financial planning exercise for businesses. It is a valuable financial planning tool that helps businesses anticipate and manage their cash position.

By analysing historical data, estimating cash inflows and outflows, and considering potential financing options, you can gain valuable insights into your company's financial future.

Regularly updating and revising the projection based on actual results and changing circumstances allows businesses to stay on top of their financial situation and ensure long-term sustainability.

A 3-year cash flow forecast is crucial for long-term cash planning. How can you manage your cash flow better? Agicap is a cash management software that allows you to manage your business effectively. Try it out for free!

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Home > Financial Projections > Free Cash Flow

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Free Cash Flow

One of the main graphs shown in the financial projections template is the free cash flow graph.

The purpose of calculating free cash flow is to show what cash is available (free) to the providers of finance of the business. This free cash can then be utilized to reduce the debt or pay dividends to equity providers. In addition, free cash might also be available to improve the growth rate of the business by taking advantage of expansion opportunities and investing in new products.

Free Cash Flow Formula

The information required to calculate free cash flow is taken from the financial projections cash flow statement.

How to Calculate Free Cash Flow

If we look at the basic cash statement below, the highlighted elements represent the main components of free cash of the business.

In this example, after the business has paid for all of the operating requirement including any necessary working capital, and invested in property, plant and equipment to maintain its current rate of growth, the free cash available to the providers of finance of the business is 4,930.

FCF and Financial Projections

It is important to understand and monitor free cash flow as providers of both debt and equity finance will look at the amount available for indications that the business has sufficient cash to take advantage of expansion opportunities, develop new products, reduce debt, and pay dividends.

Free cash flow is one sign of a healthy business, and our financial projections template will help you to keep a check on its projected level, by calculating the amount of free cash flow and presenting this in the form of a line graph for each of the five years .

About the Author

Chartered accountant Michael Brown is the founder and CEO of Plan Projections. He has worked as an accountant and consultant for more than 25 years and has built financial models for all types of industries. He has been the CFO or controller of both small and medium sized companies and has run small businesses of his own. He has been a manager and an auditor with Deloitte, a big 4 accountancy firm, and holds a degree from Loughborough University.

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How To Create Startup Financial Projections [+Template]

create-startup-financial-projections-header

Businesses run on revenue, and accurate startup financial projections are a vital tool that allows you to make major business decisions with confidence. Financial projections break down your estimated sales, expenses, profit, and cash flow to create a vision of your potential future.

In addition to decision-making, projections are huge for validating your business to investors or partners who can aid your growth. If you haven’t already created a financial statement, the metrics in this template can help you craft one to secure lenders.

Whether your startup is in the seed stage or you want to go public in the next few years, this financial projection template for startups can show you the best new opportunities for your business’s development.

In this article:

  • What is a startup financial projection?
  • How to write a financial projection
  • Startup expenses
  • Sales forecasts
  • Operating expenses
  • Income statements
  • Balance sheet
  • Break-even analysiFinancial ratios Startup financial
  • rojections template

What is a financial projection for startups?

A financial projection uses existing revenue and expense data to estimate future cash flow in and out of the business with a month-to-month breakdown.

These financial forecasts allow businesses to establish internal goals and processes considering seasonality, industry trends, and financial history. These projections cover three to five years of cash flow and are valuable for making and supporting financial decisions.

Financial projections can also be used to validate the business’s expected growth and returns to entice investors. Though a financial statement is a better fit for most lenders, many actuals used to validate your forecast are applied to both documents.

Projections are great for determining how financially stable your business will be in the coming years, but they’re not 100% accurate. There are several variables that can impact your revenue performance, while financial projections identify these specific considerations:

  • Internal sales trends
  • Identifiable risks
  • Opportunities for growth
  • Core operation questions

To help manage unforeseeable risks and variables that could impact financial projections, you should review and update your report regularly — not just once a year. 

template-mockup

How do you write a financial projection for a startup?

Financial projections consider a range of internal revenue and expense data to estimate sales volumes, profit, costs, and a variety of financial ratios. All of this information is typically broken into two sections:

  • Sales forecasts : includes units sold, number of customers, and profit
  • Expense budget : includes fixed and variable operating costs

Financial projections also use existing financial statements to support your estimated forecasts, including:

  • Income stateme
  • Cash flow document

Gathering your business’s financial data and statements is one of the first steps to preparing your complete financial projection. Next, you’ll import that information into your financial projection document or template.

This foundation will help you build the rest of your forecast, which includes:

  • Cash flow statements
  • Break-even analysis
  • Financial ratios

Once all of your data is gathered, you can organize your insights via a top-down or bottom-up forecasting methods.

The top-down approach begins with an overview of your market, then works into the details of your specific revenue. This can be especially valuable if you have a lot of industry data, or you’re a startup that doesn’t have existing sales to build from. However, this relies on a lot of averages and trends will be generalized.

Bottom-up forecasting begins with the details of your business and assumptions like your estimated sales and unit prices. You then use that foundation to determine your projected revenue. This process focuses on your business’s details across departments for more accurate reporting. However, mistakes early in forecasting can compound as you “build up.”

startup-projections-2

1. Startup expenses

If your startup is still in the seed stage or expected to grow significantly in the next few quarters, you’ll need to account for these additional expenses that companies beyond the expansion phase may not have to consider.

Depending on your startup stage, typical costs may include:

  • Advertising and marketing
  • Lawyer fees
  • Licenses and permits
  • Market research
  • Merchandise
  • Office space
  • Website development

Many of these costs also fall under operating expenses, though as a startup, items like your office space lease may have additional costs to consider, like a down payment or renovation labor and materials.

2. Sales forecasts

Sales forecasts can be created using a number of different forecasting methods designed to determine how much an individual, team, or company will sell in a given amount of time.

This data is similar to your financial projections in that it helps your organization set targets, make informed business decisions, and identify new opportunities. A sales forecast report is just much more niche, using industry knowledge and historical sales data to determine your future sales. Gather data to include:

  • Customer acquisition cost (CAC)
  • Cost of goods sold (COGS)
  • Sales quotas and attainment
  • Pipeline coverage
  • Customer relationship management (CRM) score
  • Average Revenue Per User (ARPU), typically used for SaaS companies

Sales forecasts should consider interdepartmental trends and data, too. In addition to your sales process and historical details, connect with other teams to apply insights from:

  • Marketing strategies for the forecast period
  • New product launches
  • Financial considerations and targets
  • Employee needs and resources from HR

Your sales strategy and forecasts are directly tied to your financial success, so an accurate sales forecast is essential to creating an effective financial projection.

3. Operating expenses

Whereas the costs of goods solds (aka Cost of Sales or COGS) account for variable costs associated with producing the products or services you produce, operating expenses are the additional costs of running your startup, including everything from payroll and office rent to sales and marketing expenses.

In addition to these fixed costs, you’ll need to anticipate one-time costs, like replacing broken machinery or holiday bonuses. If you’ve been in business for a few years, you can take a look at previous years’ expenses to see what one-time costs you ran into, or estimate a percentage of your total expenses that contributed to variable costs.

4. Cash flow statements

Cash flow statements (CFS) compare a business’s incoming cash totals, including investments and operating profit, to their expected expenses, including operational costs and debt payments.

Cash flow shows a company’s overall money management and is one of three major financial statements, next to balance sheets and income statements. It can be calculated using one of two methods:

  • Direct Method : calculates actual cash flow in and out of the company
  • Indirect Method : adjusts net income considering non-cash revenue and expenses

Businesses can use either method to determine cash flow, though presentation differs slightly. Typically, indirect cash flow methods are preferred by accountants who largely use accrual accounting methods .

cash-flow-qbox

5. Income statements

Your income statement projection utilizes your sales forecasts, estimated expenses, and existing income statements to calculate an expected net income for the future.

In addition to the hard numbers available, you should apply your industry expertise to consider new opportunities for your business to grow. If you’re entering Series C, you should anticipate the extra investments and big returns that you’re aiming to experience this round.

Once you’ve collected your insights, use your existing income statement to track your estimated revenue and expenses. Total each and subtract the expenses from the revenue projections to determine your projected income for the period.

 6. Balance sheet

assets-liabilities-shareholders-equity

Your balance sheet is the final of the big three financial documents needed to establish your company’s financial standing. The balance sheet makes a case for your company’s financial health and future net worth using these details:

  • Company’s assets
  • Business’s liabilities
  • Shareholders’ equity

This document breaks down the company’s owned assets vs. debt items. It most directly tracks earnings and spendings, and it also doubles as an actual to establish profitability for prospective investors.

7. Break-even analysis

Launching a startup or new product line requires a significant amount of capital upfront. But at some point, your new endeavor will generate a profit. A break-even analysis identifies the moment that your profit equals the exact amount of your initial investment, meaning you’ve broken even on the launch and you haven’t lost or gained money.

A break-even point (BEP) should be identified before launching your business to determine its viability. The higher your BEP, the more seed money you’ll need or the longer it will be until operations are self-sufficient.

Of course, you can also increase prices or reduce your production costs to lower the BEP.

As your business matures, you can use the BEP to weigh risks with your product decisions, like implementing a new product or removing an existing item from the mix.

8. Financial ratios

Financial ratios are common metrics that lenders use to check financial health using data from your financial statements. There are five core groups of financial ratios used to evaluate businesses, as well as an example of each:

Efficiency ratios : Analyze a company’s assets and liabilities to determine how efficiently it manages resources and its current performance.

Formula : Asset turnover ratio = net sales / average total assets

Leverage ratios : Measure a company’s debt levels compared to other financial metrics, like total assets or equity.

Formula : Debt ratio = total liabilities / total assets

Liquidity ratios : Compare a company’s liquid assets and its liabilities to lenders to determine its ability to repay debt.

Formula : Current ratio = current assets / current liabilities

Market value ratios : Determine a public company’s current stock share price.

Formula : Book value per share (BVPS) = (shareholder’s equity - preferred equity) / total outstanding shares

Profitability ratios : Utilize revenue, operating costs, equity, and other other balance sheet metrics to asses a company’s ability to generate profits.

Formula : Gross profit margin = revenue / COGS

Graphs and charts can provide visual representations of financial ratios, as well as other insights like revenue growth and cash flow. These assets provide an overview of the financial projections in one place for easy comparison and analysis.

Startup Financial Projections Template

As a startup, you have some extra considerations to apply to your financial projections. Download and customize our financial projections template for startups to begin importing your financial data and build a road map for your investments and growth. 

Plan for future success with HubSpot for Startups

A sound financial forecast paves the way for your next moves and reassures investors (and yourself) that your business has a bright future ahead. Use our startup financial projections template to estimate your revenue, expenses, and net income for the next three to five years.

Ready to invest in a CRM to help you increase sales and connect with your customers? HubSpot for Startups offers sales, marketing, and service software solutions that scale with your startup. 

Get the template

About the cash flow forecasting template

A cash flow forecast is the most important business tool for every business. The forecast will tell you if your business will have enough cash to run the business or pay to expand it. It will also show you when more cash is going out of the business than in.

Our cash flow forecasting template is an Excel spreadsheet that you can use to forecast and record cash flow. The worksheet will update your figures as you type.

The template has 4 tabs:

  • example cash flow worksheet
  • details estimated cash flow
  • summary estimate cash flow
  • estimated versus actual results

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Download Cash Flow Projection Template In Excel

A cash flow statement is a very critical tool for analyzing the current liquidity of any business venture. Cash Flow Projection are even more important as they help to understand not only your current liquidity, but also your probable cash flow position in months and years to come.

Cash Flow Forecast

Some people believe that cash flow projections and profits are same thing. But this is very far from the truth. Unless you deal only in cash and have no assets (like a freelancer, maybe), cash flow and profit and loss statement will have multiple divergences.

Cash Flow Projection Template

This is because all revenue segments and expenses are considered while calculating the profits of the business might not necessarily be paid or received in cash. Profit and loss also considers non-cash items like depreciation and amortization. Profit and loss projections have different purpose than cash flow projections, and serve a different finance functionality.

Projected Cash Flow Statement

You will find our Cash Flow Projection Template, and two case studies that will help you to project the cash flows of your business over the future years.

But before we explain the Cash Flow Projection Example, let’s define what a Cash Flow Statement is.

A cash flow statement is a summary of transactions representing inflows and outflows of cash over a specific period of time. A cash flow statement also breaks the flow of cash into operating, financing, and investing activities for a more granular view.

Positive cash flow indicates a sound position for your company and demonstrates your ability to pay a robust return to its stakeholders.

The two main elements of cash flow statement are inflows and outflows:

1- Inflows : Inflows represent the amount of cash received from the:

  • Sale of goods or provision of services,
  • Amount received from debtors or account receivables,
  • Amount of money being invested by investors,
  • Amount of loans received from banks, financial institutions, and other lenders,
  • Interest or any other income received, and
  • Amount of cash received from the sale of fixed assets

2- Outflows : Cash outflows represent the amount of money spent on:

  • Recurring and non-recurring expenses of the business,
  • The cost of goods sold,
  • The payment of interest on loans,
  • The dividend payment,
  • The number of loans repaid,
  • The cash payment to creditors, accounts payables, or suppliers of material, and
  • The amount paid for purchases of fixed assets.

Cash Flow Projection

Cash flow projection is a statement showcasing expected amount of money to be received into, or paid out of, the business over a period of time. It is usually prepared on a monthly basis, but that can be reduced to a shorter period of say a week, and also can be extended to include 5 to 10 years.

Why is Cash Flow Projection Important?

Sometimes, a business looks profitable when looking at the profit and loss statement, but is actually facing financial problems in the form of cash shortages. Here, cash flow statement will help you determine the company’s exact cash position, and detect any loopholes.

How to Calculate Projected Cash Flows

Projected cash flows are an extension of preparing cash flow statements. There are two methods for preparation cash flow statement, the direct and the indirect. Each of methods considers changes in cash and cash equivalents from three activities: operating activities, investing activities, and financing activities.

Download this Cash Flow Projection template in Excel Format

Our easy to use editable Excel templates and save your significant amount of time and effort. Here’s how to download and use one of our templates:

Download this free Excel Template : Once you’ve browsed through our collection of templates and find the one that best fits your needs. Once you’ve found the template you want, click on the download button.

Replace sample data with your actual data: Once the template is downloaded, open it in Excel. You’ll see that it is already set up with sample data. To start analyzing your own data, simply replace the sample data with your actual data.

Customize the template: Our templates are completely editable, which means you can customize them to fit your specific needs. For example, you can change the formatting, add or remove columns, or create new charts and graphs.

Use the Excel template: Once you’ve fed in your data and customized the template, you’re ready to start using it for data analysis. Use the various tools and features of Excel to analyze and visualize your data, and make informed business decisions.

Save and share: Once you’ve finished working on the template, save it to your computer and share it with other members of your team or stakeholders as needed.

Click Download Button To Get Cash Flow Projection Excel Template

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5-Year Financial Plan Template

Whether you are already running a business, or making plans to start one up, financial planning is a vital part of ensuring your success. Not knowing your expected income and expenditure will make it difficult to plan, and hard to find investors.

This 5-Year Financial Plan spreadsheet will make it easy for you to calculate profit and loss, view your balance sheet and cash flow projections, as well as calculate any loan payments you may have. Whilst the wording on this spreadsheet is focussed around products, it can just as easily be used for businesses who largely provide services to their customers.

5-Year Financial Plan Projection

5-Year Financial Plan Projection Screenshot

How to use Financial Plan

Model inputs.

Use the Model Inputs sheet to enter information about your business that will be used to model results seen on the other pages.

Forecasted Revenue

The forecasted revenue section allows you to estimate your revenue for 4 different products. Simply use the white boxes to enter the number of units you expect to sell, and the price you expect to sell them for, and the spreadsheet will calculate the total revenue for each product for the year. If you want to give your products names, simply type over the words "Product 1", "Product 2" etc. and these names will be carried through to the rest of the spreadsheet.

Cost of Goods Sold

Your margins are unlikely to be the same on all of your products, so the cost of goods sold allows you to enter your expected gross margin for each product into the white boxes in Column B. The spreadsheet will automatically calculate the annual cost of goods sold based on this information, along with your forecasted revenue.

Annual Maintenance, Repair and Overhaul

As the cost of annual maintenance, repair and overhaul is likely to increase each year, you will need to enter a percentage factor on your capital equipment in the white box in Column B. This will be used to calculate your operating expenses in the profit and loss sheet.

Asset Depreciation

Use the white box to enter the number of years you expect your assets to depreciate over. This may vary greatly from business to business, as assets in some sectors depreciate much more quickly than they do in others.

In most parts of the world, you will have to pay income on your earnings. Enter the annual tax rate that applies to your circumstances in the white box in Column B. If you have to pay any other taxes, these can be entered later on the Profit and Loss sheet.

Although you cannot be certain of the level of inflation, you will still need to try and plan for it when coming up with a 5-year financial plan. The International Monetary Fund provide forecasts for a number of countries, so is a good place to look if you are unsure what to enter here. Simply enter your inflation rate in the white box.

Product Price Increase

As a consumer, you are no doubt aware that the price of products goes up over time. Enter a number in the white box to show the expected annual price increase of your products to enable the spreadsheet to calculate income in future years. If you are unsure what to put here, increasing your product price in line with inflation is a good starting point. If your business is just starting out, you may be able to command higher prices for your products or services as the years go on, as you build up brand recognition and a good reputation.

The funding section allows you to enter information about your business loan. To use this section, simply fill in the three white boxes representing the amount of the loan, the annual interest rate and the term of the loan in months - for example, 12 for 1 year, 24 for 2 years, 36 for 3 years, 48 for 4 years, or 60 for a 5 year loan.

Profit and loss

This sheet calculates your profit and loss for each year over a 5 year period. The profit and loss assumptions, along with income, are automatically calculated using information entered in the model inputs sheet.

Non-Operation Income

You may have, or be expecting some income in addition to your operating income. These can be entered manually in the white cells in Column B for Year 1, Column C for Year 2 and so on. There are pre-entered categories for rental, lost income and loss (or gain) on the sale of assets, as well as an additional row where you can enter your own non-operation income.

Operating Expenses

Some parts of this are already filled in based on information you put on the Model Inputs, for example, depreciation, maintenance and interest on long-term debt. Years 2-5 are also filled in for you across all categories based on the inflation information entered in the Model Inputs sheet. You therefore only need to enter your Sales and Marketing, Insurance, Payroll and Payroll Tax, Property Taxes, Utilities, Administration Fees and any Other Expenses into the white cells in Column B for Year 1.

Non-recurring Expenses

This section is for entering any expenses that you will not be paying on an annual basis. The Unexpected Expenses row allows you to enter a contingency for unexpected expenses, whilst the Other Expenses row allows you to enter any other one off expenses you may be expecting to make, for example the purchase of new equipment part way into your 5 year plan.

Income Tax is filled in based on the information you enter into the model inputs. Depending on where your business is based, you may find yourself having to pay other taxes. These can be entered in the Other Tax row. You can rename this row by typing over the "Other Tax (specify)" text.

Balance Sheet

The annual balances for Years 1-5 are, in most cases, filled in for you, based on the information you have entered on the Model Inputs sheet and in the Initial Balance column of the Balance Sheet column itself. This makes it very easy to use.

Current Assets

This is where you can enter the value of any of your current assets, with spaces to enter information about Cash and Short-term Investments, Accounts Receivable, Inventory, Prepaid Expenses and Deferred Income Tax. At the bottom of this section is a space for you to enter any other current assets you may have that do not fall into any of these categories.

Property and Equipment

Depending on the nature of your business, you may have assets such as Buildings, Land, Capital Improvements and Machinery. Enter the value of these assets into Column B, and these values will be copied over to each of the 5 years of the plan. The depreciation information entered into the Model Inputs sheet will be used to calculate the depreciation expenses, which allows a total for property and equipment to be calculated automatically.

Other Assets

This section is for entering information on any assets that don't fit in the other sections. These could be Goodwill Payments, Deferred Income Tax, Long-term Investments, Deposits, or any Other long-term assets. Enter the information into Column B, and it will be carried across to the yearly columns automatically.

Current Liabilities

As well as assets, your business is likely to have liabilities. There are spaces to enter Accounts Payable, Accrued Expenses, Notes Payable and Short-term Debt, Capital Leases and Other current liabilities. Just leave blank any rows where you do not have any liabilities, and the totals will be calculated for you.

Your long-term debt/loan information will have already been entered in the Model Inputs sheet, so the only thing to do here is to enter any other long-term debt. Unlike much of the rest of the Balance Sheet, you can manually enter different amounts for each year, as you may, for example, be expecting to take on another loan to purchase some new equipment in Year 3 as your business expands.

Other Liabilities

Use this section to enter any liabilities not covered by the pre-defined labels. You can amend the text in Column A, in order to specify the liabilities, and then enter the cost of these liabilities in Column B.

Your business is likely to have some equity, and this can be entered into this section. You can fill out the Owner's Equity, Paid-in Capital and Preferred Equity in Column B. Your retained earnings are automatically calculated based on the Profit and Loss sheet.

Much of the information on the cash flow sheet is based on calculations in the Balance Sheet. It is important to plan your cash flow carefully, so that you know what funds you will have available to buy new stock and equipment.

Operating Activities

Much of this section is automatically filled in based on your balance sheet. There are only three rows to fill out, which are Amortization, Other Liabilities and Other Operating Cash Flow. You only need to fill out the white boxes in Column B for Year 1, as these values will automatically be carried over into subsequent years for you.

Investing Activities

Your capital expenditures and sale of fixed assets will be automatically populated if you have filled out the relevant sections of the Balance Sheet. They will be blank if they do not apply. As investing activities can vary year on year, you will need to fill out any investment activities for each of the 5 years in the appropriate columns for Acquisition of Business, and any Other Investing Cash Flow items.

Financing Activities

The long-term debt/financing row will be pre-filled based on the loan information previously entered. Use Column B to fill out your Preferred Stock, Total Cash Dividends Paid, Common Stock and Other Financing Cash Flow items for Year 1. This information will automatically carried over to Years 2-5.

Loan Payment Calculator

There is nothing to enter on this sheet, as it is for information only. Whether or not you already have a loan, or are using this spreadsheet as a part of a business plan to help you obtain one, it allows you to easily see how much you will be paying each month, showing how much you are paying off your loan, and how much you are paying in interest. This will allow you to get an idea of whether or not you can afford to borrow a bit extra, if you feel it would allow you to push your business into higher places, or whether you need to shop around for a better interest rate or adjust the loan term in order to afford the loan payments.

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Home » Google Sheets » 17☝️ Free Google Sheets Cash Flow Templates

Daniel Smith

  • Updated: August 24, 2023

17☝️ Free Google Sheets Cash Flow Templates

Managing your business finances can be a daunting task, especially when it comes to tracking cash flow. You might be struggling with complex calculations, confusing spreadsheets, and overwhelming financial jargon

This issue can lead to inaccurate financial reports, poor decision making, and could even put your business at risk. But what if there was an easier way to monitor your cash flow?

This is where our blog post comes in handy. In this post, we have compiled a list of the 17 best free cash flow templates in Google Sheets. These Google Sheets cash flow templates are designed to simplify your financial management process, providing you with a clear picture of your business’s financial health. So, say goodbye to financial stress and hello to streamlined cash flow management.

What is a Google Sheets Cash Flow Template?

A Google Sheets Cash Flow Template is a pre-formatted spreadsheet designed to help you track and manage your cash inflows and outflows.

Ideal for both individuals and businesses, these templates offer a simple way to get a quick snapshot of your financial health. Built for use in the cloud-based Google Sheets platform, these templates come with pre-configured formulas to automatically calculate key metrics like net cash flow.

This makes it easy to assess your financial situation without requiring advanced accounting skills. Being cloud-based, they also offer the advantage of real-time collaboration, making it easier for teams to work together on financial planning and analysis.

Best Google Sheets Cash Flow Templates

Here are our top picks for the best cash flow templates for Google Sheets:

1. Free Downloadable Cash Flow Template

free cash flow projection template for business plan

Designed by Thomas Plaizier

This Free Downloadable Cash Flow Template, designed by Thomas Plaizier, is a valuable tool for small business owners who want to keep track of their cash flow efficiently. It’s a Google Sheets template that allows you to monitor the cash coming in and going out of your business, including operating cash flow from sales, investing cash flow from investments, and financing cash flow from loans. 

The template also helps you calculate your beginning and ending cash balances, making it easier to understand your business’s financial health. It is user-friendly and customizable, allowing you to enter your business name and date for personalized record-keeping. 

This cash flow statement template is an excellent resource for managing your business finances and ensuring your cash flow remains healthy.

Open in Google Sheets  

2. Monthly Cash Flow Template

free cash flow projection template for business plan

Designed by Vertex42

The “Monthly Cash Flow Template” by Vertex42 is a detailed Google Sheets template designed for comprehensive financial planning.

This powerful tool allows you to break down your monthly income and expenses, track your cash flow, and make informed decisions about your financial health. It provides sections for various sources of income and outflows, including payroll, business expenses, debts, living expenses, and savings.

The template allows you to examine your finances in detail, with fields for specific items such as auto maintenance, child care, eating out, groceries, and more.

 The template provides a clear visual of your start and end cash balance for each month for the entire year, helping you plan and manage your budget effectively.

Open in Google Sheets 

3. Weekly Cash Flow Template

free cash flow projection template for business plan

Designed by Live Flow

The Weekly Cash Flow Template is a powerful tool designed to help you track and analyze your cash inflows and outflows on a weekly basis. Whether you’re a business owner or an individual, managing your cash flow is essential for maintaining financial stability.

The cash inflow section allows you to select profit and loss accounts and balance sheet accounts from the dropdown menus, making it easy to categorize your income sources. You can input estimates and actuals for each account, and the template will calculate the total cash inflow for the week.

Similarly, the cash outflow section allows you to select profit and loss accounts and balance sheet accounts to categorize your expenses. You can input estimates and actuals for each account, and the template will calculate the total cash outflow for the week.

At the end of each week, the template provides a summary of your cash balance, including the beginning and ending cash on hand. It also compares your ending cash balance to the minimum required cash balance, alerting you if your cash balance falls below the required threshold.

In addition, the template includes a check section, allowing you to verify the accuracy of your cash flow data by comparing it with the profit and loss by day and the balance sheet by day.

With the Weekly Cash Flow Template, you can gain a comprehensive understanding of your cash flow patterns and make informed financial decisions to ensure your financial stability and success.

This template was designed by Live Flow, a trusted provider of financial management tools.

4. Personal Cash Flow Statement Template

free cash flow projection template for business plan

Adapted from an Excel Template by Excel Demy

This Google Sheets Personal Cash Flow Statement Template, adapted from an Excel template by Excel Demy, is a handy tool for managing your personal finances.

The template allows you to track your income and expenses in detail, categorized into various segments such as salary, profit, insurance, taxes, rent, loans, food, entertainment, utilities, memberships, personal consumption, and dining out.

A unique feature is the ability to visualize each category as a percentage of your total income or expense, enhancing your understanding of where your money is coming from and where it is going.

By calculating your net cash flow and showing your opening and closing balance, this template provides you with a clear view of your financial health and aids in better financial planning.

5. Cash Flow Analysis Template

free cash flow projection template for business plan

Designed by ModelSheet Software

Efficiently manage your business’s cash flows with the Cash Flow Analysis Template. This financial spreadsheet solution enables you to predict cash shortfalls and excesses in advance, optimizing your financial plans.

This advanced model combines cash flow projections with an optional analysis of line credit. It generates a comprehensive overview of cash inputs and outputs, borrowing asset bases, loan balances, employee expenses, accounts payable and receivable data, along with optional features like account float estimation, planned versus actual cash flow comparison, and segmentation of cash flow into business segments.

Adjust the time grain feature to weeks, months, quarters, or years according to your requirements. Visualize key performance metrics with graphs and ensure your company stays financially ahead. A standard and basic version of this model is available, with an interactive and customizable format to suit your individual business needs.

6. Cash Flow Projection Template

free cash flow projection template for business plan

Adapted from an Excel Template by Spreadsheet Page

The Cash Flow Projection Template provides a detailed breakdown of both incoming and outgoing cash over a ten-year period in millions of dollars. Incoming cash can include items like sales, loans received, new equity inflow, interest income, and other income.

Outgoing cash includes various types of expenses, such as purchases, wages, rent, utilities, advertising, and more. The template uses color coding for easy differentiation between input fields, linked cells, and calculations.

Each year’s projection is separated into months, and the template provides fields for the opening and closing balance for each period, thus welcoming detailed scrutiny of a company’s financial health throughout the year.

This Excel-adapted template is designed by Spreadsheet Page and is ideal for businesses looking to assess their financial future.

7. Cash Flow Forecast Template

free cash flow projection template for business plan

This Cash Flow Forecast Template from Live Flow has been meticulously designed to help businesses predict their cash inflows and outflows.

The template covers aspects such as starting cash on hand, various incomes such as online and retail sales, and one-off incomes. It also factors in non-cash income items and balance sheet accounts like stock and capital. 

More importantly, it encapsulates outflows in detail, including the cost of goods, delivery fees, marketing, subscriptions, travel expenses, payroll, and more. It also accounts for non-cash expense items and cash requirements alerts for maintaining the minimum required balance.

This template can also be used for cross-verifying the cash balance with the total bank accounts to ensure no discrepancies. 

8. Discounted Cash Flow Template

free cash flow projection template for business plan

Designed by Smartsheet Content

The Discounted Cash Flow Template from Smartsheet is an all-in-one solution for detailed financial analysis and business valuation. Designed for those with a detailed understanding of finance concepts, this comprehensive Google Sheets template allows you to capture all aspects of a company’s financial position in one place.

From corporate tax rates to detailed cash flow forecasts, this template caters to all your financial data needs. It includes placeholders to input past financial data with automatic formulae to calculate growth, costs, EBITDA, and more. It also allows you to predict future sales and growth, along with a robust structure for calculating net working capital.

In addition, this template provides an in-depth section for calculating Unlevered Beta and Relevered Beta based on the target debt/equity ratio, helping you assess risk more accurately. It also includes a Weighted Average Cost of Capital (WACC) calculation, providing a more comprehensive understanding of a company’s financial health.

The template concludes with the achievement of a business’s enterprise value along with implied multiples, giving investors a clear picture of the company’s worth. It also includes a terminal value model, allowing for the estimation of a business’s value into perpetuity.

This Discounted Cash Flow Template is perfect for finance enthusiasts, finance students, financial advisors, and business analysts who are looking to dive deep into a company’s financial health and predict future performance.

9. Budget Cash Flow Template

free cash flow projection template for business plan

Designed by GooDocs

The Budget Cash Flow Template is a comprehensive tool designed to help businesses manage and predict their cash flow throughout the year. This Google Sheets template provides you with clear insight into the financial health of your business by tracking both cash inflows and outflows. 

With this template, you can itemize your income from different sources, such as cash sales, loan proceeds, and owner contributions. It also helps you keep track of your expenses, including wages, rent, materials, utilities, advertising, and more.

It further breaks down the numbers by quarters for more granular forecasting. You can see the opening and available balances for each quarter, as well as the net cash change.

And thanks to color-coded sections for when your cash flow is positive or negative, you can easily spot trends and make necessary adjustments.

10. Restaurant Cash Flow Template

free cash flow projection template for business plan

The Restaurant Cash Flow Template from Live Flow is a meticulously designed Google Sheets template that serves as a comprehensive financial guide for restaurant owners. It helps track and analyze both the income and expenses of your restaurant business. 

The template includes categories like Online Sales, Retail Sales, and Sales of Product Income under “Income.“ The “Cost of Goods Sold“ section allows you to calculate the cost of items like T-Shirts, Shoes, and Delivery Fees. 

“Expenses“ is an extensive category that captures not just your restaurant’s operational expenses but also marketing, subscriptions, travel, equipment, payroll, general, and research & development expenses.

The template also allows tracking of “Other Expenses” which includes Home G&A. The layout effectively leads to the calculation of your net income by considering every potential monetary flow in your restaurant business. 

With the clarity it provides, this productivity tool aids in enhancing your profitability by allowing easy identification of unnecessary expenses and income opportunities.

11. Construction Cash Flow Template

free cash flow projection template for business plan

Adapted from an Excel Template by Small Business Commissioner

The Construction Cash Flow Template is an invaluable financial tool designed to assist contractors and subcontractors in the construction industry in tracking and predicting the flow of cash in and out of their business.

This easy-to-use Google Sheets template offers a straightforward layout to track all aspects of cash flow. It starts with the opening balance and then provides space to record monthly cash inflow from various sources, such as contract payment claims, other receipts, and cash sales.

On the outgoing end, the template enables the tracking of various expenses like bank fees, fuel, material costs, site supervision, subcontractors, insurance, and waste removal, among others. It also accounts for less common expenses like PAYG Income tax installments, withholding tax, superannuation, net GST owing, and capital purchases.

At the end of the month, you can easily calculate the monthly cash balance, giving you a clearer picture of your financial health and helping you make informed financial decisions for your business throughout the year. This template is an adaptation of an Excel template by the Small Business Commissioner.

12. Cash Flow Graph Template

free cash flow projection template for business plan

Designed by Layer

This Cash Flow Graph Template, powered by Layer, is a simple yet powerful tool for creating a financial model. Specifically designed for comprehensibility and customization, this template features four main segments for data input: Assumptions, HR, Software & Licenses, and Actuals.

The template comes with three output sheets: Summary, Cash, and P&L, which present, compute, and visualize data based on the information input in the remaining tabs. This makes it an ideal tool for financial planning, allowing you to map out potential cash flow paths and adjust budgetary assumptions.

13. Airbnb Cash Flow Template

Designed by Curtis Hearn

This Airbnb Cash Flow Template is a comprehensive financial planner designed specifically for those renting out property through Airbnb. Crafted by Curtis Hearn, this Google Sheets template breaks down all the costs associated with the purchase and running of a property, including purchase price, mortgage interest rate, down payment, closing costs, renovation budget, furniture budget, and more.

It helps you calculate your total cash upfront and the gross monthly rent you could earn from your property. It deducts all potential expenses such as property insurance, taxes, management fees, a sinking fund, and more to provide you with the net operating income.

The template also calculates your cash-on-cash return on investment, giving you a clear picture of the profitability of your Airbnb property operation.

This template is ideal for individuals managing Airbnb properties or those considering entering the space, as it offers an effective method for tracking costs and income.

14. Operating Cash Flow Template

free cash flow projection template for business plan

Adapted from an Excel Template by Futurpreneur

Maintain a firm grasp of your company’s financial health with this comprehensive Operating Cash Flow Template.

This Google Sheets template is designed to track your business’s operating cash flow over a span of 12 months, providing an overview of your cash inflows and outflows during each month.

It covers a wide variety of financial components such as cash on hand, sales, collections, loans, expenses, purchases, wages, and much more, allowing you to keep track of your income and expenses in one place.

It also includes a section for essential operating data like sales volume, accounts receivable and payable, and depreciation. Adapted from a template by Futurpreneur, this resource is ideal for any business needing a practical and efficient way to monitor its cash flow.

15. Indirect Cash Flow Template

free cash flow projection template for business plan

Adapted from an Excel Template by All Business Templates 

This Indirect Cash Flow Template has been expertly designed for use in Google Sheets, adapted from an existing Excel template by All Business Templates. It presents an in-depth analysis of a company’s cash flow, providing comparisons across three different accounting systems: FRF for SMEs, Income Tax, and GAAP.

The template primarily separates the cash flow into three categories – Operating Activities, Investing Activities, and Financing Activities. It further breaks down each activity into subsets, such as Net Income, Depreciation, Deferred Income Taxes, and others – contributing to a comprehensive financial snapshot. 

The template concludes with the net increase or decrease in cash over the period, providing the beginning and ending cash balances.

16. Hotel Cash Flow Template

free cash flow projection template for business plan

Designed by Spreadsheet Daddy

This Google Sheets template, sourced from Spreadsheet Daddy, is specially designed for hotel businesses that want to monitor and manage their financial operations more effectively.

The template organizes cash flow into three primary activities: Operating Activities, Investing Activities, and Financial Activities. Each section allows you to document different financial transactions related to your hotel business. From regular operating costs to investments and dividends, this easy-to-use template helps ensure comprehensive financial tracking.

Moreover, the template includes the Net Cash Flow section to provide a clear view of your business’s financial health. The Stock-Based Compensation and Common Stock Dividends Paid sections are essential for businesses that engage in such activities. 

Overall, this efficient and intuitively structured template caters to the needs of hotel owners, helping them make informed financial decisions for their business’ growth and sustainability.

17. Cash Flow Monitoring Template

free cash flow projection template for business plan

This Cash Flow Monitoring Template from Spreadsheet Daddy is a highly efficient tool designed to keep track of your income, expenditure, and overall cash flow over an extended period, ensuring your financial management is streamlined and effective.

It breaks down your cash flow month by month, comparing your forecasted and actual income and expenditure.

This comprehensive overview makes it easy to spot trends, manage spending, and ensure the health of your finances. Whether you’re running a small business, freelancing, or managing your personal finances, this template is a must-have tool.

How to Make a Cash Flow Template in Google Sheets

You can easily and quickly create a cash flow template by following the step-by-step guide below!

Step 1. Choose a blank cell, then input the text you need. Change the font, size, color, and alignment by going to the toolbar menu.

free cash flow projection template for business plan

Step 2. Next, pick the cells you want to merge, click the Merge icon, and select Merge All from the list that appears.

free cash flow projection template for business plan

Step 3. Select the cells you need, hit the Border icon, and then choose the color, style, and type of border.

free cash flow projection template for business plan

Step 4. Choose the cells you want to colorize, select the Fill color option, then pick a color from the palette that displays to alter the color of your template.

free cash flow projection template for business plan

And there you have it—your cash flow template is complete!

free cash flow projection template for business plan

What is the cash flow formula?

The basic cash flow formula is Cash Inflows – Cash Outflows = Net Cash Flow. This calculates the net amount of cash coming into and going out of a business over a set period. Cash inflows typically include sales, loans, and investments, while cash outflows cover expenses like salaries, rent, and utilities.

How do I create a cash flow forecast in Google Sheets?

To create a cash flow forecast in Google Sheets, start by labeling columns for “Date,” “Cash Inflows,” “Cash Outflows,” and “Net Cash Flow.” Enter your projected incomes and expenses for future periods in the corresponding cells. Use formulas like SUM to calculate the total inflows, outflows, and net cash flow for each period. Depending on your business needs, you can extend these forecasts weekly, monthly, or yearly.

Daniel Smith

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COMMENTS

  1. Free Cash Flow Forecast Templates

    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.

  2. Free Financial Projection and Forecasting Templates

    Use this 12-month financial projection template for better cash-flow management, more accurate budgeting, and enhanced readiness for short-term financial challenges and opportunities. Input estimated monthly revenues and expenses, tracking financial performance over the course of a year.

  3. Cash Flow Projection

    13 June, 2023 20 min Gerry Daly, AVP Product Strategy - Treasury Listen to the blog: 17:07 min Free Cash Flow Projection Template Table of Content Key Takeaways Introduction What Is Cash Flow? What Is Cash Flow Projection? Why Are Cash Flow Projections Important for Your Business? Step-by-Step Guide to Creating a Cash Flow Projection

  4. How to Create a Cash Flow Forecast and Statement

    Updated October 27, 2023 Download Now: Free Cash Flow Forecast Template A good cash flow forecast might be the most important single piece of a business plan. All the strategy, tactics, and ongoing business activities mean nothing if there isn't enough money to pay the bills.

  5. Free 1 Year Financial Projection Template

    Free excel template to create financial projections for any business startup and first year. Forecast revenue, expenses, employee costs and generate an income statement, balance sheet, and cash flow pro forma automatically Join 15,000+ founders and consultants who have used our free resources and tools ‍

  6. Cash flow projection template

    Step 1: Download cash flow projection Excel template. Step 2: Estimate your monthly sources of cash. Step 3: Estimate all your expenses each period related to company operations and overhead. Step 4: Totals in the template will be automatically calculated. Step 5: Verify your cash projection.

  7. Cash Flow Forecasting: A How-To Guide (With Templates)

    Free cash flow forecast template To make this a lot easier, we've created a business cash flow forecast template for Excel you can start using right now. Access Template The template has three essential pieces: Beginning cash balance.

  8. Cash Flow Projection Business Plan Template

    This template can be used to create a comprehensive and effective plan. 1. Define clear examples of your focus areas. Focus areas are the broad topics that define the goals of a strategic plan. Examples of focus areas for a cash flow projection business plan could include: Project Cash Flow; Increase Revenue; Optimize Expenses. 2.

  9. Cash Flow Projection Templates

    Used to conduct cash flow forecasting, a cash flow projection template shows how much money is expected to flow in and out of your business over a given period. Usually, small business cash flow projection templates are produced for a 12-month period. However, they may also be produced for longer stretches, i.e., 24 months, 10 years, etc.

  10. Cash Flow Projection Template

    Download a free cash flow projection template for your business. And learn how Xero software can make reporting easier. Download cash flow projection template Try Xero for free Download the cash flow projection template Fill in the form to get a free cash flow projection template as an editable PDF. We'll also link you to a guide on how to use it.

  11. 3 Year & 12 Month Cash Flow Projection Template

    A 12 months cash flow projection template mostly serves budgeting purposes, while a minimum 3-year cash flow projection template is needed to come up with a longer-term financial plan. A 12-month cash flow projection template is usually used when creating a budget for a business and focuses on all the cash flows that will happen for the next ...

  12. 3-year cash flow projection template for easy use

    With a 3-year cash flow projection template, a financial forecast can be made that estimates the anticipated inflows and outflows of cash for a business over a three-year period.

  13. Free Cash Flow

    One of the main graphs shown in the financial projections template is the free cash flow graph.. Free cash flow (FCF) is the cash flow available after the business has paid for all of its operating needs including providing working capital, and invested in property, plant, and equipment (capital expenditure) necessary to maintain its current growth rate.

  14. HubSpot for Startups Financial Projections Template

    Financial forecasts rely on your balance sheet, income statements, and cash flow, and our startup financial projections template makes forecasting easier. Get the template Businesses run on revenue, and accurate startup financial projections are a vital tool that allows you to make major business decisions with confidence.

  15. Financial Projection Templates to Help You with Planning

    A financial projection is an estimate of future revenue, expenses and profits for a business. It helps decision-makers plan and strategize based on these predicted financial outcomes. The critical elements of a financial projection are the income statements, cash flow and balance sheet.

  16. How To Create Financial Projections for Your Business Plan

    Collect relevant historical financial data and market analysis. Forecast expenses. Forecast sales. Build financial projections. The following five steps can help you break down the process of developing financial projections for your company: 1. Identify the purpose and timeframe for your projections.

  17. Cash flow forecasting template

    It will also show you when more cash is going out of the business than in. Our cash flow forecasting template is an Excel spreadsheet that you can use to forecast and record cash flow. The worksheet will update your figures as you type. The template has 4 tabs: example cash flow worksheet. details estimated cash flow. summary estimate cash flow.

  18. Free Cash Flow Template Download

    days 0 hours 35 mins 0 secs Free Cash Flow Template Download The cash flow statement in QuickBooks helps you better manage your cash flow Download template See how to customize reports (3:17) Overview About cash flow statements Cash flow statement template Always know how much cash is on hand Manage your cash flow

  19. Cash Flow Projection excel template for free

    1- Inflows: Inflows represent the amount of cash received from the: Sale of goods or provision of services, Amount received from debtors or account receivables, Amount of money being invested by investors, Amount of loans received from banks, financial institutions, and other lenders, Interest or any other income received, and

  20. 5-Year Financial Plan

    Whether you are already running a business, or making plans to start one up, financial planning is a vital part of ensuring your success. Not knowing your expected income and expenditure will make it difficult to plan, and hard to find investors.. This 5-Year Financial Plan spreadsheet will make it easy for you to calculate profit and loss, view your balance sheet and cash flow projections, as ...

  21. 17☝️ Free Google Sheets Cash Flow Templates

    Managing your business finances can be a daunting task, especially when it comes to tracking cash flow. You might be struggling with complex calculations, confusing spreadsheets, and overwhelming financial jargon This issue can lead to inaccurate financial reports, poor decision making, and could even put your business at risk. But what if there was an … 17☝️ Free Google Sheets Cash Flow ...