How to write a business plan

  • One-page plan
  • Executive summary
  • Products and services
  • Market analysis
  • Competition
  • Marketing and sales
  • Milestones and metrics
  • Company and team
  • Financial plan

Make a financial plan and starting forecasts

Vector of two lines moving to the right and upward. Represents building financial statements and forecasts as part of your financial plan.

How to Write a Small Business Financial Plan

Creating a financial plan is often the most intimidating part of writing a business plan. It’s also one of the most vital. Businesses with well-structured and accurate financial statements in place are more prepared to pitch to investors, receive funding, and achieve long-term success.

Thankfully, you don’t need an accounting degree to successfully put your budget and forecasts together. Here is everything you need to include in your financial plan along with optional performance metrics, specifics for funding, and free templates.

On this page

Key components of a financial plan

A sound financial plan is made up of six key components that help you easily track and forecast your business financials. They include your:

Sales forecast

What do you expect to sell in a given period? Segment and organize your sales projections with a personalized sales forecast based on your business type.

Subscription sales forecast

While not too different from traditional sales forecasts—there are a few specific terms and calculations you’ll need to know when forecasting sales for a subscription-based business.

Expense budget

Create, review, and revise your expense budget to keep your business on track and more easily predict future expenses.

How to forecast personnel costs

How much do your current, and future, employees’ pay, taxes, and benefits cost your business? Find out by forecasting your personnel costs.

Profit and loss forecast

Track how you make money and how much you spend by listing all of your revenue streams and expenses in your profit and loss statement.

Cash flow forecast

Manage and create projections for the inflow and outflow of cash by building a cash flow statement and forecast.

Balance sheet

Need a snapshot of your business’s financial position? Keep an eye on your assets, liabilities, and equity within the balance sheet.

What to include if you plan to pursue funding

Do you plan to pursue any form of funding or financing? If the answer is yes, then there are a few additional pieces of information that you’ll need to include as part of your financial plan.

Highlight any risks and assumptions

Every entrepreneur takes risks with the biggest being assumptions and guesses about the future. Just be sure to track and address these unknowns in your plan early on.

Plan your exit strategy

Investors will want to know your long-term plans as a business owner. While you don’t need to have all the details, it’s worth taking the time to think through how you eventually plan to leave your business.

Financial ratios and metrics

With all of your financial statements and forecasts in place, you have all the numbers needed to calculate insightful financial ratios. While these metrics are entirely optional to include in your plan, having them easily accessible can be valuable for tracking your performance and overall financial situation.

Common business ratios

Unsure of which business ratios you should be using? Check out this list of key financial ratios that bankers, financial analysts, and investors will want to see.

Break-even analysis

Do you want to know when you’ll become profitable? Find out how much you need to sell to offset your production costs by conducting a break-even analysis.

How to calculate ROI

How much could a business decision be worth? Evaluate the efficiency or profitability by calculating the potential return on investment (ROI).

Financial plan templates and tools

Download and use these free financial templates and calculators to easily create your own financial plan.

Sheet Template

Sales forecast template

Download a free detailed sales forecast spreadsheet, with built-in formulas, to easily estimate your first full year of monthly sales.

Download Template

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Get your free Excel spreadsheet for business expenses [2023]

business financial planning spreadsheet

An Excel spreadsheet for tracking business expenses can keep your finances in order. But unless you’re a bigger company with an entire accounting department on hand, you might not have a ready-to-go template for this.

In this article, we’ll look at the business expenses spreadsheet. First, we’ll dive into a few examples of expense tracking templates and highlight the major reasons why you may need one. After that, we’ll review our own Excel spreadsheet for business expenses and show you how can help take the headache out of managing your company finances.

What is an Excel spreadsheet for business expenses?

A spreadsheet for business expenses is a standardized template that tracks and records a company’s expenses. Specifically, it details the “what,” “why,” “who,” and “how” of spending company money, so for example:

  • what was the money spent on?
  • why was it spent?
  • who spent it?
  • how much was spent?

Some of these spreadsheets track specific company expenses, while others provide a simple, high-level summary of your expense history. For example, a travel expense spreadsheet tracks travel-related expenses, like lodging and meals. A monthly expense spreadsheet provides an overview of your total monthly spending.

Despite the variety of expense tracking spreadsheets, most of them have common features, including:

  • a list of rows for each expense item
  • columns specifying the date, vendor, expense description, amount, unit costs, method of payment, and other relevant data or notes, and
  • formulas that automatically calculate expenses excel expense tracker for businesses

Download Excel template

4 reasons to use an Excel spreadsheet for business expenses

Let’s take a look at some of the key benefits of using a Microsoft Excel spreadsheet for your business expenses.

1. You’ll make better financial decisions

Knowing more about your business’ expenses lets you make better financial decisions. And having expense information distilled into an easy-to-follow spreadsheet is a critical step.

For example, let’s say you own a bakery and you’re trying to make a decision about whether shopping locally for your ingredients is saving you money. You might analyze your existing expenses and compare that against product estimates from food service wholesalers. With accurate expense data in front of you, it’s much easier to make informed decisions about your business.

2. You can visualize expense tracking in one place

Suppose George from sales jots down his expenses on diner napkins and Betty from HR plugs expenses in a Notepad file on her computer. They’re going to run into expense reporting problems sooner or later. With an Excel spreadsheet, you can standardize your expense tracking process to save and view all of your expenses in the same location. No more napkins. No more Notepad files.

3. You’ll save time and money

When you have a standardized spreadsheet for tracking expenses, you can save time by using built-in formulas to calculate totals and averages. This lets you focus on your financial goals instead of crunching numbers.

4. It’s easier to spot unusual or fraudulent expenses

Tracking your expenses can help you spot unusual changes. For example, if you usually spend $100 per month on office supplies but suddenly spend $500 the next month, an expense spreadsheet makes it easier to see this change. Spotting these “red flags” early makes it possible to identify and investigate fraudulent or unauthorized spending.

Now that we’ve covered the basics of what an expense spreadsheet is and why you should use one, let’s take a look at a few examples of how you might use them.

5 examples of business expense sheets in Excel

1. basic business expenses spreadsheet.

Not all expense tracking spreadsheets are complex tools with dozens of columns, categories, and formulas. Sometimes all you need is a simple list of your expenses and this is where a basic expense spreadsheet comes in handy.

These spreadsheets are usually “barebones” tools and only contain simple expense tracking information like the purchase date, payment method, a brief description, and the expense amount.

Let’s say you’re a small business or a “mom and pop” company that doesn’t have numerous departments, employees, and budgets to manage. In that case, a simplified spreadsheet for tracking expenses may work. Otherwise, you’ll need a spreadsheet with more features and functionality.

2. Income and expenses spreadsheet

Another basic expense sheet in Excel is an income and expenses spreadsheet. This tool tracks your business’s overall balance based on how much income you made and how much of it was spent. It’s great to see an overview of all business-related finances and observe general patterns of spending.

income and expenses spreadsheet made in Excel

( Image source )

3. Travel expenses spreadsheet

A travel expense spreadsheet is designed to track all spending related to business travel. This might include airfare, hotel costs, car rental, food, credit card purchases, and any other expenses incurred while traveling for work.

The great thing about travel expense spreadsheets is that they often come with pre-built formulas that automatically calculate totals for each category as well as the overall trip cost. This makes creating a travel expenses report quick and easy.

Example of a travel expense report spreadsheet template

( Image Source )

Any business with employees who travel regularly — like sales reps or consultants — will benefit from using a travel expense sheet. Travel expenses are reimbursed faster and managers help prevent unauthorized claims.

4. Monthly business expense spreadsheet

Another popular expense tracker in Excel is a monthly business expenses spreadsheet; this summarizes your month-to-month spending in a single report. Not only do these spreadsheets give you a high-level overview of your monthly spending, but they’re also handy when you’re creating or adjusting your monthly budget . By seeing how much you spent last month, you can get a better idea of how much you should budget for this month. A simple monthly expenses spreadsheet contains:

  • Columns for each month of the year
  • Rows for total business income and expenses
  • Rows for expense line items

These spreadsheets will often include income and expense summaries for the quarter, making them rather useful for quarterly reporting.

Example of a monthly business expense spreadsheet template

Almost every business can benefit from tracking monthly expenses. However, startups or small business owners with tight budgets will find these spreadsheets particularly useful because they can help guide decisions about the next month’s spending and create more realistic budgets.

5. Annual business expense spreadsheet

Similar to a monthly expenses spreadsheet, an annual expenses spreadsheet summarizes your spending for the entire year. This report is especially helpful for businesses that like to do a “year in review” to see where — or when — they made and lost money.

An annual expenses spreadsheet usually includes two main sections: income and expenses. The income section lists all the money your business brought in over the year, while the expenses section lists all the money your business spent.

Example of an annual business expense spreadsheet template

Businesses of all sizes can benefit from using an annual expense spreadsheet. Still, it’s especially useful for businesses with a lot of spending spread out over the year, like a construction company or retailer.’s Excel spreadsheet for business expenses template

When it comes to tracking your expenses, has you covered. For starters, you can try our free downloadable Excel spreadsheet for an easier way to monitor your expenses.

Our highly customizable template fits the needs of any business, whether you’re tracking expenses for a complex international corporation or a simple convenience store in a small town. And if you’re looking for a little more firepower, connect with Excel through and work directly on our platform. This means you not only get a highly customizable spreadsheet, but you’ll also enjoy the benefits that come with our powerful Work OS .

A Gantt chart in representing a detailed, monthly expense report. Information can be taken from an Excel spreadsheet for business expenses and converted into this Gantt chart.

Let’s take a quick look at some of the advantages of using to manage your expenses.

Work with anyone, anywhere: is a cloud-based Work OS which means you can collaborate with team members anywhere in the world. Prepare expense sheets for your team in California, while you’re working remotely in Ontario, Canada.

Enhanced visualization: use to create powerful custom dashboards that contain all key expense information. Add graphs, charts (like Gantt charts ), and tables so you can gather better insights about your business’ spending.

The business expenses spreadsheet is the ultimate solution for keeping your finances in order. Whether you’re just starting out or you’ve been in business for years, our spreadsheet will help you keep track of your spending and make better financial decisions.

Time-saving automation: with, you can easily set up automations that not only send your documents to the right people, but also send them regular reminders until they’ve completed their tasks. You won’t need to play email tag trying to get expense information and updates from colleagues — takes care of it with the click of a button.

A detailed Dashboard reporting in representing an expense report. Bar graph for payment method, expense type, and total expenses. An Excel spreadsheet for business expenses can be converted into this dashboard.

For even more template inspiration, check out some additional examples below.

Related templates

1. budget template.

Our Budget Tracking Template will help you gain more control over your finances. Like all of our templates, it’s highly customizable and easy to use. With it, you compare your actual expenses versus your budgeted amounts and get a clearer picture of your financial situation. If you’re keen on using spreadsheets, we also have a budget template for Google Sheets for you to try out.

2. Expense tracker template

If you’re looking for an alternative to an expense tracker in Excel or Google Sheets spreadsheet for tracking your business expenses, take our dynamic Expense Tracker Template for a spin. Not only will it help you be more proactive with managing money, but it also simplifies the process by organizing your key expense information all in one place.

If you’re in the market for an expense report template that’s simple, flexible, and comes pre-loaded with useful automations — like alerts for payment reminders — then you’ll love what the team at has created.

Get the template

FAQs about business expense trackers in Excel

1. how do i create a spreadsheet for my business expenses.

There are many ways to create a spreadsheet for your expenses. You can use a program like Excel or use an online app like Google Sheets.

But why bother creating a spreadsheet when you can use a template? For example, has a free template for tracking expenses that’s customizable and easy to use. You don’t have to fuss around with formatting or figuring out formulas, just download the spreadsheet, and you’re ready to go.

2. How do I create an expense sheet in Excel?

You can either create your own spreadsheet or use a built-in Excel template. You just have to open Excel, click “New,” and type a keyword related to expense tracking in the search bar — something like “travel expenses” will give you a few templates to choose from. Though Excel also has template options, you may not get the full customization, features, and visual formats that come with a Work OS.

3. How do I track business expenses in Excel?

If you want to track business expenses in Excel, you’ll need to create a spreadsheet and fill in the appropriate information. The most important columns are likely to be “date,” “description,” “category,” and “amount.” You can also add additional columns if needed, like “vehicle number” for tracking car expenses.

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15 Personal Finance Excel Spreadsheet Templates for Managing Money

Always keep track of your financial health. These free Excel spreadsheet templates are the tools you need to manage your money.

What if you could easily and accurately visualize your financial profile? Wouldn't it be great to understand your financial standing at any moment?

Thankfully, Vertex42 offers a range of spreadsheets that make this possible. Here are 15 of their best financial spreadsheets.

1. Money Management Template

When you've got a mortgage, children, a car payment, and other expenses to keep track of, it's hard to balance the budget and avoid overspending . You need a level of financial awareness that perhaps even Paul Krugman doesn't possess. Or, you could just fire up Excel.

This home finance spreadsheet can give even You Need A Budget software a run for its money. It allows you to create a yearly budget to make projections about income and expenses while taking care of variable expenditures and changes in income.

2. Personal Monthly Budget Worksheet

If you do not have a family and wish to take control of your finances, you may want to check out this personal monthly budget spreadsheet.

This personal expense tracker for Excel lets you create a budget just for you , and then compare it against what you spend. There are fields for daily expenditures, as well as entertainment and discretionary spending. It's easy to use too.

The spreadsheet only spans a single page and can be printed on one sheet of paper in portrait orientation.

3. College Budget Template

The transition to university is difficult. You're away from your parents for the first time, and you have to deal with everything they did for you beforehand—washing, cooking, and cleaning.

You've got to pay attention to your finances and avoid overdrafts and credit cards. What's the best way to do that? With this college budget spreadsheet, of course.

This allows you to plan for the cost of studying over the course of months, semesters, and years. It will help you to maintain a positive balance in your bank account.

4. Christmas Gift / Holiday Spending Budget

It's the most wonderful time of the year, as the song goes. Christmas is also one of the most expensive times of the year, when families dig deep into their pockets to buy extravagant presents.

But, it doesn't have to be this way. This spreadsheet allows you to set a total budget, allocate it on a person-by-person basis, and use that as a guide for your gift-buying strategy.

Related: The Best Excel Alternatives for Your Spreadsheet Needs

5. Travel Budget Worksheet

If you love to travel, you need to be meticulous in planning your costs.

With this beautiful travel budget worksheet, it is easy. The spreadsheet lets you set a total budget, subtract accommodation and transportation, and then factor in discretionary spending.

6. Money Manager for Kids

Many parents give their children an allowance. It's a great way for them to learn about the inherent value of money and buy the things they want. It's also a great way to teach them about budgeting and saving.

So, why not also allow them to visualize their progress with this money manager for kids? It's a budgeting template but packaged to appeal to young minds.

7. Income Statement Template

An income statement is a document that declares how much you earned, and how much you spent. They're used in businesses and households alike to give a picture of financial health.

This spreadsheet is designed for small business owners. It allows you to thoroughly and meticulously take control of your business's finances.

8. Savings Goal Tracker

Saving money is hard. Especially when you don't have a solid goal, other than to "have savings". And let's face it, there are a lot of shiny things on sale, that can easily pry your money from your wallet.

How do you deal with this? By visualizing your goals and charting your progress towards them. And what better way to do that than with this savings spreadsheet?

For additional help with saving money and reducing spending, take a look at these helpful apps and sites .

9. Credit Repair Spreadsheet

Times are tough. Many people are struggling. They may be unable to make their car and credit card payments on time, and they may discover their credit has been severely damaged.

But you can do something about it. Repairing one's credit is not only possible, but it's also relatively painless. With this spreadsheet, you can work towards rehabilitating yourself in the eyes of the credit reporting agencies.

10. Extra Payment Mortgage Calculator

Mortgages are a bit like house guests. The sooner you're rid of them, the better. The best and quickest way to get rid of a mortgage is to make extra payments.

So, why not check out this extra payment calculator, which can show you the benefits of reduced interest when you pay off your mortgage in extra chunks. Brilliant!

11. Credit Account Register Template

Lots of people do all their spending on a credit card. If you pay off your balance in full each month, it's actually a great strategy. You'll see faster resolution times if someone steals money from your account, and you can rack up thousands of points that you can spend on free goodies like hotel rooms and flights.

To make sure you've got a firm grasp on how much money you're spending on credit, use this credit account register template.

12. Wedding Budget Planner

Weddings are costly affairs. Of course, they don't have to be—you should spend the money on the house or invest it in your pension instead. But most people who are in love don't want to listen to such sound advice.

If you're planning for your big day and intend to spend a lot of cash to create the perfect event, you need an Excel spending tracker to plan your wedding budget.

13. Donation Tracker

Are you planning to organize a fundraising event? One of the most important aspects of a successful campaign is keeping an eye on the amount of money that's coming in.

This spreadsheet offers columns for the date, type of payment, donor, and notes.

14. Price Comparison Template

The key to getting a good bargain is to shop around. But with so many places vying for your business—both on the high street and online—it can be hard to remember all the prices you've seen.

That's where a price comparison tracker comes in useful. Enter all the prices you see and make an informed decision on the store you're going to use.

15. Money Tracker

We'll leave you with a budgeting app that's been specially designed for use on the smartphone version of Excel. Columns are narrow and less cluttered, so it's much easier to update on a small screen while you're on the go.

Each column also has a drop-down list. You can use it to easily add the date or select one of your most common payees.

Manage Your Money and Save on Stress

No matter what your financial goals or how much money you've stored away in your bank account, staying on top of your spending and fixed expenses is a vital part of building wealth and being financially secure.

Try out some of the spreadsheets we've recommended, and you'll soon notice a big improvement in your overall financial position.

business financial planning spreadsheet

Free Business Plan Excel Template [Excel Download]

Written by Dave Lavinsky

Growthink's Business Plan Excel Template

A business plan is a roadmap for growing your business. Not only does it help you plan out your venture, but it is required by funding sources like banks, venture capitalists and angel investors.

The body of your business plan describes your company and your strategies for growing it. The financial portion of your plan details the financial implications of your business: how much money you need, what you project your future sales and earnings to be, etc.

Below you will be able to download our free business plan excel template to help with the financial portion of your business plan. You will also learn about the importance of the financial model in your business plan.

Download the template here: Financial Plan Excel Template  

How to Finish Your Business Plan in 1 Day!

Don’t you wish there was a faster, easier way to finish your business plan?

With Growthink’s Ultimate Business Plan Template you can finish your plan in just 8 hours or less! It includes a simple, plug-and-play financial model and a fill-in-the-blanks template for completing the body of your plan.

What’s Included in our Business Plan Excel Template

Our business plan excel template includes the following sections:

Income Statement : A projection of your business’ revenues, costs, and expenses over a specific period of time. Includes sections for sales revenue, cost of goods sold (COGS), operating expenses, and net profit or loss.

Cash Flow Statement : A projection of your business’ cash inflows and outflows over a specific period of time. Includes sections for cash inflows (such as sales receipts, loans, and investments), cash outflows (such as expenses, salaries, and loan repayments), and net cash flow.

Balance Sheet : A snapshot of your business’ financial position at a specific point in time. Includes sections for assets (such as cash, inventory, equipment, and property), liabilities (such as loans, accounts payable, and salaries payable), and owner’s equity (such as retained earnings and capital contributions).

Download the template here: Business Plan Excel Template 

The template is easy to customize according to your specific business needs. Simply input your own financial data and projections, and use it as a guide to create a comprehensive financial plan for your business. Remember to review and update your financial plan regularly to track your progress and make informed financial decisions.

The Importance of the Financial Model in Your Business Plan

A solid financial model is a critical component of any well-prepared business plan. It provides a comprehensive and detailed projection of your business’ financial performance, including revenue, expenses, cash flow, and profitability. The financial model is not just a mere set of numbers, but a strategic tool that helps you understand the financial health of your business, make informed decisions, and communicate your business’ financial viability to potential investors, lenders, and other stakeholders. In this article, we will delve into the importance of the financial model in your business plan.

  • Provides a roadmap for financial success : A well-structured financial model serves as a roadmap for your business’ financial success. It outlines your revenue streams, cost structure, and cash flow projections, helping you understand the financial implications of your business strategies and decisions. It allows you to forecast your future financial performance, set financial goals, and measure your progress over time. A comprehensive financial model helps you identify potential risks, opportunities, and areas that may require adjustments to achieve your financial objectives.
  • Demonstrates financial viability to stakeholders : Investors, lenders, and other stakeholders want to see that your business is financially viable and has a plan to generate revenue, manage expenses, and generate profits. A robust financial model in your business plan demonstrates that you have a solid understanding of your business’ financials and have a plan to achieve profitability. It provides evidence of the market opportunity, pricing strategy, sales projections, and financial sustainability. A well-prepared financial model increases your credibility and instills confidence in your business among potential investors and lenders.
  • Helps with financial decision-making : Your financial model is a valuable tool for making informed financial decisions. It helps you analyze different scenarios, evaluate the financial impact of your decisions, and choose the best course of action for your business. For example, you can use your financial model to assess the feasibility of a new product launch, determine the optimal pricing strategy, or evaluate the impact of changing market conditions on your cash flow. A well-structured financial model helps you make data-driven decisions that are aligned with your business goals and financial objectives.
  • Assists in securing funding : If you are seeking funding from investors or lenders, a robust financial model is essential. It provides a clear picture of your business’ financials and shows how the funds will be used to generate revenue and profits. It includes projections for revenue, expenses, cash flow, and profitability, along with a breakdown of assumptions and methodology used. It also provides a realistic assessment of the risks and challenges associated with your business and outlines the strategies to mitigate them. A well-prepared financial model in your business plan can significantly increase your chances of securing funding as it demonstrates your business’ financial viability and growth potential.
  • Facilitates financial management and monitoring : A financial model is not just for external stakeholders; it is also a valuable tool for internal financial management and monitoring. It helps you track your actual financial performance against your projections, identify any deviations, and take corrective actions if needed. It provides a clear overview of your business’ cash flow, profitability, and financial health, allowing you to proactively manage your finances and make informed decisions to achieve your financial goals. A well-structured financial model helps you stay on top of your business’ financials and enables you to take timely actions to ensure your business’ financial success.
  • Enhances business valuation : If you are planning to sell your business or seek investors for an exit strategy, a robust financial model is crucial. It provides a solid foundation for business valuation as it outlines your historical financial performance, future projections, and the assumptions behind them. It helps potential buyers or investors understand the financial potential of your business and assess its value. A well-prepared financial model can significantly impact the valuation of your business, and a higher valuation can lead to better negotiation terms and higher returns on your investment.
  • Supports strategic planning : Your financial model is an integral part of your strategic planning process. It helps you align your financial goals with your overall business strategy and provides insights into the financial feasibility of your strategic initiatives. For example, if you are planning to expand your business, enter new markets, or invest in new technologies, your financial model can help you assess the financial impact of these initiatives, including the investment required, the expected return on investment, and the timeline for achieving profitability. It enables you to make informed decisions about the strategic direction of your business and ensures that your financial goals are aligned with your overall business objectives.
  • Enhances accountability and transparency : A robust financial model promotes accountability and transparency in your business. It provides a clear framework for setting financial targets, measuring performance, and holding yourself and your team accountable for achieving financial results. It helps you monitor your progress towards your financial goals and enables you to take corrective actions if needed. A well-structured financial model also enhances transparency by providing a clear overview of your business’ financials, assumptions, and methodologies used in your projections. It ensures that all stakeholders, including investors, lenders, employees, and partners, have a clear understanding of your business’ financial performance and prospects.

In conclusion, a well-prepared financial model is a crucial component of your business plan. It provides a roadmap for financial success, demonstrates financial viability to stakeholders, helps with financial decision-making, assists in securing funding, facilitates financial management and monitoring, enhances business valuation, supports strategic planning, and enhances accountability and transparency in your business. It is not just a set of numbers, but a strategic tool that helps you understand, analyze, and optimize your business’ financial performance. Investing time and effort in creating a comprehensive and robust financial model in your business plan is vital for the success of your business and can significantly increase your chances of achieving your financial goals.

business financial planning spreadsheet

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Financial management

Keeping your finances in check is easy to start-and maintain- when you use an excel budget planning template in your financial management routine. customize an excel template to suit your unique financial management needs, whether you're balancing the books of a small business or keeping track of your household budget..

business financial planning spreadsheet

Budget your personal and business finances using these templates

Manage your finances using Excel templates. Stay on track for your personal and business goals by evaluating your income and expenses. Use these templates to add in pie charts and bar graphs so that you can visualize how your finances change over time. Create infographics that show what categories are included in your budget and the types of factors that incorporate each category. Download your financial management template so that you can access it and edit it as you need.

Spreadsheet123 - The Ultimate Guide to The World of Excel

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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Restaurant Financial Model | Startup Budget | Financial Projection | Budget Template

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I have been doing capital raising in a wide variety of industries and have been involved on 4 Private Equity Funds. Financial models tend to be either too simplistic or too complicated and useless. But this model is the perfect mix of simplistic and intuitive with enough detail for large project funding analysis. It could even be used as a budgeting tool for smaller mining companies. Well Done! And Thank You very much!

Great financial model template with the most complete set of charts that will ever need! Monthly breakdowns for all the financial statements and a cash valuation. Summary tabs with all the main information you need for a business plan! Could be improved with the addition of financial ratios.

What an incredible find in FinModelsLab! The ASC model is perfect for modeling our healthcare practice… enthusiastically recommend!!!

The spear sheet is just what I needed. I am able to plug in my numbers and the video shows you where to place all information. I can now send the pro-forma to investors. Love it thank you

Henry was a life-saver. If you have a very difficult financial modeling project that you need delivered fast, go with Henry. He will get it done.

Henry is very good at forecasting and business modelling. His communication and responsiveness are excellent.

Henry was the best financial expert for us when it came to financial analysis and building financial complex models for our start-up.

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A complete and easy to use Restaurant financial model that gives you clear view and guide when preparing business plan numbers

I really feel there is no finance challenge Henry can't overcome, and I look forward to working with him on many more projects and entrepreneurial initiatives.

Henry is incredibly talented and hard working. He is one of the top-notch players in his niche, He pushed out a rock solid deliverable.

Industry-specific Financial Model Templates in Excel, Business Plan Templates, Excel Dashboards and Pitch Decks

FinModelsLab provides a wide range of industry-specific financial model templates in Excel as well as Excel dashboards, Business Plan Templates, and Pitch Deck Templates. Creating a business plan with detailed financial projections and pitch deck presentation or Excel dashboard is time-consuming. That is why we created a web repository with 1500+ business templates for a wide range of usage cases. We spent 10 000+ hours creating industry-specific financial forecasting model templates in Excel which offers a well-structured as well as best practice financial modeling know-how to users such as c-level executives, entrepreneurs, investors, startup founders, and many more, who are looking for assistance in creating financial projections template.

In today's fast-paced business landscape, effective financial modeling and planning are crucial for the success and growth of any organization. With accurate financial projections, businesses can make informed decisions, secure funding, and navigate potential challenges with confidence. At FinModelsLab, we understand the significance of financial modeling, which is why we offer a comprehensive collection of industry-specific financial model templates in Excel.

The Importance of Financial Modeling

Financial modeling serves as the foundation for strategic decision-making, providing insights into the financial health and performance of a business. It allows organizations to forecast revenue, project expenses, assess profitability, and evaluate potential risks and opportunities. By modeling different scenarios, businesses can optimize their resources, identify growth strategies, and plan for the future.

Addressing the Need for Industry-Specific Templates

Generic financial templates may not capture the unique requirements and dynamics of specific industries. That's where industry-specific financial model templates become invaluable. At FinModelsLab, we recognize the importance of tailoring financial models to the nuances of different sectors. Our extensive collection includes a wide range of industry-specific templates, ensuring that businesses have the tools they need to accurately project revenues, analyze costs, and plan for success in their respective sectors.

  • Comprehensive financial model templates designed for specific industries.
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By providing industry-specific financial model templates, we empower businesses to make informed decisions based on reliable and relevant data, ultimately increasing their chances of success in the marketplace.

About FinModelsLab

At FinModelsLab, we pride ourselves on being a trusted and reliable source for financial model templates. With our commitment to excellence and a comprehensive collection of over 3500+ business templates, we empower entrepreneurs, startups, investors, and professionals to create accurate and detailed financial projections.

Reliable Financial Projections Templates

Our platform offers a vast selection of financial projections templates that cater to various industries and business models. Each template is designed by our team of financial experts, ensuring that they meet industry standards and best practices. Whether you are starting a new venture or seeking to optimize your existing business, our templates provide a solid foundation for projecting revenues, estimating costs, and analyzing profitability.

A Wide Range of Business Templates

With a collection of 3500+ business templates, we cover a diverse range of industries, including manufacturing, e-commerce, SaaS, healthcare, and more. Our templates address different aspects of financial modeling, such as cash flow analysis, income statements, balance sheets, and valuation models. This comprehensive assortment enables users to find the templates that best align with their specific business needs.

  • 3500+ business templates available for different industries and usage cases.
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With FinModelsLab, you can access a wide range of financial projections templates and find the resources necessary to make informed financial decisions for your business.

Expertise and Dedication

At FinModelsLab, we have invested over 10,000 hours of meticulous effort and dedication into creating our financial model templates. This extensive investment of time and expertise reflects our commitment to providing high-quality resources for financial modeling and planning.

Well-Structured Financial Model Templates

Our financial model templates are designed with a well-structured framework that follows industry best practices. Each template encompasses a comprehensive set of financial projections, ensuring that businesses can accurately forecast revenues, expenses, and cash flows. By leveraging our well-structured templates, users can save time and effort, focusing on analyzing the data rather than building models from scratch.

Best Practice Financial Modeling Knowledge

Our team of financial experts brings in-depth knowledge and expertise in financial modeling. We follow best practices and incorporate industry standards into our templates, ensuring that users have access to reliable and accurate financial projections. Whether you are a c-level executive, entrepreneur, investor, or professional seeking robust financial models, our templates provide the necessary guidance and insights to support your decision-making process.

Serving a Diverse Audience

Our financial model templates cater to a diverse audience, including c-level executives, entrepreneurs, investors, and professionals from various industries. We understand the unique needs and challenges faced by different stakeholders, and our templates are tailored to address those requirements. By serving a wide range of users, we aim to empower businesses of all types and sizes to make informed financial decisions and achieve their goals.

  • Financial model templates for c-level executives, entrepreneurs, and investors.
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With our expertise and dedication, FinModelsLab strives to provide users with the necessary tools and knowledge to excel in financial modeling and planning.

Benefits of Using Financial Model Templates

Utilizing financial model templates offers significant advantages when it comes to creating accurate financial projections for your business. At FinModelsLab, we understand the importance of these benefits and strive to provide users with the resources they need to succeed.

Accurate Financial Projections Made Easy

Our financial model templates are specifically designed to assist users in creating accurate financial projections. By leveraging these templates, businesses can input their data and variables, which are then automatically calculated to generate comprehensive projections. This process reduces the risk of errors and ensures that the resulting financial projections are reliable and precise.

Time-Saving Pre-Built Templates

Time is a valuable resource for any business, and our pre-built financial model templates help save significant time and effort. Instead of starting from scratch, users can access ready-to-use templates that already include the necessary formulas, calculations, and structure. This allows users to focus on analyzing the projections and making informed decisions, rather than spending excessive time building complex financial models.

Convenience and Ease of Excel for Financial Modeling

Excel has long been recognized as a powerful tool for financial modeling, and our templates capitalize on this convenience. With Excel as the foundation, users can benefit from a familiar and user-friendly interface, making it easier to work with the templates and customize them according to their specific needs. Excel also provides flexibility for users to adapt the templates as their business evolves, ensuring the models remain relevant over time.

  • Templates designed to assist in creating accurate financial projections.
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By utilizing our financial model templates, businesses can leverage the benefits of accuracy, time-saving efficiency, and the convenience of working with Excel, ultimately aiding in their financial planning and decision-making processes.

Wide Range of Templates

At FinModelsLab, we offer a diverse selection of financial model templates to cater to various industries and specific business needs. Our extensive range ensures that businesses can find templates tailored to their industry, whether they are a startup, small business, or established enterprise.

Diverse Selection of Industry-Specific Templates

We understand that different industries have unique financial considerations. That's why we provide a wide range of industry-specific financial model templates. From manufacturing to e-commerce, healthcare to SaaS, our templates cover various sectors, ensuring that businesses can create accurate financial projections that align with the dynamics of their industry. These industry-specific templates include revenue forecasts, expense breakdowns, and other relevant financial data, allowing businesses to gain valuable insights and make informed decisions.

Relevance for Startups and Financial Planning

Startups face unique challenges and financial planning is crucial for their success. Our templates include startup-specific financial model templates designed to assist entrepreneurs in their financial planning journey. These templates consider the specific needs of startups, including revenue drivers, cost structures, and funding requirements. By utilizing our startup financial model templates, entrepreneurs can create comprehensive financial projections, pitch to investors, and develop a solid financial strategy for their business.

  • A wide range of industry-specific financial model templates.
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Whether you are starting a new venture or operating an established business, our diverse selection of financial model templates ensures that you have the resources needed to create accurate financial projections and drive your business forward.

Importance of Financial Statements

Financial statements play a vital role in business plans, providing a comprehensive view of a company's financial health and performance. At FinModelsLab, we understand the significance of financial statements and offer templates that facilitate the creation of robust and accurate financial statements for your business plan.

Significance of Financial Statements in Business Plans

Financial statements are essential components of any business plan as they present a clear picture of a company's financial position. These statements, including the income statement, balance sheet, and cash flow statement, allow stakeholders to assess the company's profitability, liquidity, and overall financial stability. Financial statements provide crucial information for investors, lenders, and potential partners, aiding in informed decision-making and demonstrating the viability and potential of the business.

Creating Comprehensive Financial Statements with Templates

Our templates are specifically designed to assist users in creating comprehensive financial statements for their business plans. These templates offer a structured framework and predefined formulas that simplify the process of compiling financial data and generating accurate statements. By utilizing our templates, users can input their financial information, and the templates automatically calculate key metrics and generate professional-looking financial statements. This ensures that your business plan is well-supported with accurate and visually appealing financial information.

  • The significance of financial statements in business plans for assessing financial health and performance.
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With our financial statement templates, you can confidently present a clear and compelling financial snapshot of your business, showcasing its potential and strengthening your business plan.

Excel-Based Financial Templates

At FinModelsLab, we provide a wide range of financial templates that are specifically designed in Excel format, offering users easy customization and flexibility. Our Excel-based templates empower businesses to create accurate and tailored financial models, enabling effective financial planning and decision-making.

Easy Customization and Flexibility

All our financial templates are available in Excel format, which provides users with the ability to easily customize and adapt the templates to suit their specific needs. Excel's intuitive interface allows users to input their own data, adjust formulas, and make modifications as required. Whether it's adding new variables, changing assumptions, or incorporating specific industry metrics, Excel enables users to tailor the templates to their unique requirements, ensuring that the resulting financial models are precise and relevant to their business.

Advantages of Using Excel for Financial Modeling

Excel has long been recognized as a powerful tool for financial modeling, and there are several advantages to utilizing it for your financial planning needs. Excel offers a wide range of built-in functions and formulas, making complex calculations and projections more accessible. Its spreadsheet format provides a structured and organized way to present and analyze financial data, allowing for easy data entry, manipulation, and visualization. Excel's widespread familiarity among professionals also ensures that users can collaborate, share, and present their financial models seamlessly.

  • Templates provided in Excel format for easy customization and adaptability.
  • Excel's flexibility allows users to tailor templates to their specific needs.
  • Advantages of using Excel include built-in functions, structured presentation, and widespread familiarity.

By leveraging our Excel-based financial templates, businesses can benefit from the ease of customization, flexibility, and the robust capabilities of Excel, ultimately enabling them to create accurate and dynamic financial models that drive better financial planning and decision-making.

Financial Forecasting and Planning

Financial forecasting plays a crucial role in effective business planning and decision-making. At FinModelsLab, we recognize the significance of financial forecasting, and we offer a wide range of forecast templates in Excel format to assist businesses in their financial planning endeavors.

The Role of Financial Forecasting in Business Planning

Financial forecasting is a vital component of business planning as it allows organizations to anticipate future financial outcomes based on historical data, market trends, and key assumptions. By creating comprehensive financial forecasts, businesses can gain valuable insights into revenue projections, expense management, and cash flow dynamics. These forecasts help in identifying potential risks, setting realistic targets, and making informed strategic decisions to drive business growth.

Availability of Forecast Templates in Excel

Our forecast templates, available in Excel format, provide businesses with a convenient and efficient way to create accurate financial forecasts. These templates are designed to simplify the forecasting process by incorporating pre-built formulas and intuitive interfaces. Users can input their data, adjust variables, and instantly generate forecasts based on different scenarios. The flexibility of Excel allows for easy customization of the templates to align with specific business needs, ensuring that the resulting forecasts are tailored and reliable.

  • The importance of financial forecasting in business planning and decision-making.
  • Forecast templates available in Excel format for convenient and accurate financial forecasting.
  • Financial forecasts as valuable tools for identifying risks, setting targets, and making strategic decisions.

By utilizing our forecast templates in Excel, businesses can streamline their financial forecasting processes, gain valuable insights, and enhance their overall planning capabilities.

Tailored for Startups

At FinModelsLab, we understand the unique financial planning needs of startups, and we offer a range of templates specifically tailored to meet those needs. Our startup-specific financial projections templates provide startups with a solid foundation for their financial planning and enable them to make informed decisions to drive growth and success.

Relevance of the Templates for Startups' Financial Planning

Startups face distinctive challenges and requirements when it comes to financial planning. Our templates address these specific needs by providing startup founders and entrepreneurs with a comprehensive framework to forecast revenue, estimate expenses, and project cash flow. These templates incorporate startup-specific assumptions and variables, allowing startups to create accurate financial projections that align with their business models, growth strategies, and funding requirements.

Startup-Specific Financial Projections Template

Our startup-specific financial projections template is a valuable resource for startups seeking to create robust financial forecasts. This template encompasses key startup metrics, such as customer acquisition costs, customer lifetime value, and funding rounds, to accurately project revenue, expenses, and funding needs over a defined period. By leveraging this template, startups can effectively communicate their financial projections to potential investors, demonstrate their growth potential, and secure the funding necessary to fuel their development.

  • Templates specifically tailored to meet the unique financial planning needs of startups.
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  • Startup-specific financial projections template incorporating key startup metrics.

Our startup-focused templates empower entrepreneurs and startup founders to navigate the financial landscape with confidence, ensuring that their financial planning aligns with their business goals and positions them for long-term success.

Excel-Based Financial Modeling

Excel is a powerful tool for financial modeling, and at FinModelsLab, we leverage the capabilities of Excel to provide comprehensive and effective financial model templates. Our Excel-based financial models offer numerous benefits for businesses, empowering them to make informed financial decisions and drive success.

Benefits of Using Excel for Financial Modeling

Excel provides a range of benefits that make it an ideal platform for financial modeling. Its built-in functions and formulas allow for complex calculations, enabling accurate financial projections and analysis. The spreadsheet format of Excel provides a structured and organized way to present and manipulate financial data, making it easier to input and track variables, assumptions, and key metrics. Excel's flexibility also allows for scenario analysis, sensitivity testing, and the creation of dynamic charts and graphs, enhancing the visibility and understanding of financial models.

Availability of Excel Financial Model Templates

Our Excel financial model templates provide businesses with ready-to-use frameworks for various financial modeling purposes. These templates are designed to streamline the financial modeling process, incorporating best practices and industry-specific assumptions. By leveraging our Excel financial model templates, businesses can save valuable time and effort in building their own models from scratch, while still having the flexibility to customize and adapt the templates to their specific needs.

  • Excel's capabilities for complex calculations, accurate projections, and analysis.
  • The structured format of Excel for organized financial data management.
  • Excel's flexibility for scenario analysis, sensitivity testing, and visual representation.
  • Availability of ready-to-use Excel financial model templates for streamlined financial modeling.

By utilizing our Excel-based financial model templates, businesses can harness the power of Excel and benefit from its robust features to create accurate, dynamic, and customizable financial models that drive better financial decision-making and planning.

In today's competitive business landscape, financial modeling is essential for informed decision-making and successful planning. At FinModelsLab, our industry-specific financial model templates in Excel offer a range of benefits to empower businesses and individuals in their financial projections and planning endeavors.

Reaping the Benefits of Industry-Specific Financial Model Templates

Our industry-specific financial model templates provide users with a host of advantages. By utilizing these templates, businesses can save valuable time and effort, as our templates are pre-built with best practices and industry-specific assumptions. This enables users to create accurate and reliable financial projections that align with their unique needs and goals. Whether you are a c-level executive, entrepreneur, investor, or startup founder, our templates offer a well-structured and comprehensive financial modeling know-how, supporting your financial planning and decision-making processes.

Explore Our Wide Range of Templates

We invite you to explore our extensive collection of 3500+ business templates, including financial modeling Excel templates and financial projections template Excel. Our diverse selection ensures that you will find the right template for your industry and specific use case. Whether you are starting a new venture, seeking funding, or managing an existing business, our templates provide the foundation you need for accurate financial projections and comprehensive planning.

  • The benefits of using industry-specific financial model templates for informed decision-making and successful planning.
  • Time-saving advantages through pre-built templates with best practices and industry-specific assumptions.
  • Wide range of 3500+ business templates, including financial modeling Excel templates and financial projections template Excel.

Begin your journey towards effective financial modeling and planning by exploring our wide range of templates. Empower your business with accurate financial projections and make confident decisions to drive growth and success.

Why is a Financial Plan Important to Your Small Business?

A well-put-together financial plan can help you achieve greater confidence in your business while generating a better understanding of how to allocate resources. It shows your business is committed to spending wisely and its ability to meet financial obligations. A financial forecasting model helps you determine if choices will impact revenue and which occasions call for dipping into reserve funds.

It’s also an important tool when asking investors to consider your business. Your startup financial plan shows how your organization manages expenses and generates revenue. It shows where your business stands and how much it needs from sales and investors to meet important financial benchmarks.

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Frequently Asked Questions

Of course! Yes. All our templates are fully editable . All formulas, cells and sheets are completely unlocked, so you can edit anything to your liking. Each row on every sheet has a note about what that row’s calculations are trying to do, and many of the components are explained in the help files, so that you can see how I did it - and help you figure out how to change it to your liking.

This financial model is perfect for entrepreneurs to quickly build financial projections for fundraising decks or business modeling.

With this all-in-1 model, you’ll be able to forecast your sales, profits, and cash flow in seconds. Plus, you’ll have all the data, metrics and reports you’ll need to effectively present your business plan to investors & prospects. This financial model was crafted in Excel by expert analysts with 15-years consulting background to assist entrepreneurs with forecasting efforts.

Take advantage of this Excel model to effortlessly forecast your financials, create investor-friendly reports, and build a better business!

You don’t have to be an expert to model your Profit and Loss Statement (P&L) with this straightforward financial model excel template. Our financial projection makes that easy for even the most novice finance background. Just enter your financials and our sophisticated financial model will do all the work, giving you a clear view of your company’s current state, predictions for future performance, and an action plan for scaling revenue. With financial projections that can be easily updated as assumptions change, you’ll have all the information you need to project your company’s future & pitch investors!

Yes. Our financial model excel templates are fully editable, you can change many assumptions including the currency of your business.

You may change currency inputs and currency outputs by applying the exchange rate.

All our financial model templates are Microsoft Excel™ files, and they are available for download immediately after purchase. Can be imported into the Google Sheets™ for editing and customizations. I recommend using Excel or Google Sheets™ for financial modeling, both in general and for our templates specifically. In practice, I use Excel to build and edit models, and Google Sheets to share or collaborate with users. Excel is usually a faster platform for building models, but Google Sheets can be easier for sharing models with people. My models can be used in both Excel and Google Sheets interchangeably; simply upload the Microsoft Excel model template from into Google Sheets, and everything will work fine.

Unfortunately no. Unlike a physical product where you can send it back to the seller, because it is a digital product you can still use it after refund. This makes it quite difficult for us to manage honest refund requests. If you have any questions about the financial model excel templates, please contact us so we can guide you and answer any questions you have.

Yes. We accept all major credit cards, debit cards and PayPal. Payments are powered by Stripe and PayPal via our payment processing provider. All transactions are secured and your card payment information encrypted and sent directly to Stripe and PayPal, no payment details are stored on our website.

Yes. Of course! Every financial model excel template has a button to download immediately a DEMO version of the particular template. With the Demo version you will get the read-only financial model template.

By purchasing the template on our website, you will receive an email from us including the link to download your template. Additionally, you should see the download links right after the payment at the checkout page.

Yes, we provide free email support via email at [email protected] . We are in the Europe time zone hence please bear with us and we will catch up as soon as we are back online!

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The Best Budget Spreadsheets

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Google sheets templates, tiller money, microsoft office templates, using budget spreadsheets, frequently asked questions (faqs).

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No matter what your income is, having a budget and tracking your expenses will make it easier for you to achieve your personal finance goals. The Consumer Financial Protection Bureau (CFPB) recommends creating a budget spreadsheet or worksheet to track your income and expenses.

There are many free or inexpensive budget spreadsheet options, so all you have to do is put in your income and expenses, and the spreadsheet will allow you to track how much you spend and how much you save. That way, you can see where you can cut costs and meet your financial goals. You may also be able to personalize these spreadsheets for your needs.

Key Takeaways

  • You can use budget spreadsheets to plan for your daily life and regular expenses, like rent, groceries, and transportation.
  • You can use budget spreadsheets to save up for events like trips, holiday shopping, or weddings.
  • Some budget spreadsheets, like Tiller, can be connected with your bank accounts.

Vertex42 has over a dozen free budget and personal finance spreadsheets that work with Microsoft Excel, as well as some that are compatible with LibreOffice Calc, Apache OpenOffice Calc, and Google Sheets.

You can use the free Money Management Template to track your spending against your budget, plan for seasonal expenses, handle irregular income or expenses, record transactions for multiple accounts, balance your checkbook, and more. You don't need to understand macros to use this spreadsheet.

You'll also find spreadsheets for monthly and yearly household and personal budgets, holiday gift budgets, business budgets, wedding budgets, and money management for kids. Many of these spreadsheets also include a demo video or tutorials.

It's Your Money Budget Spreadsheets

Financial blog It's Your Money lists seven free budgeting spreadsheets, including a Cash Flow Budget Spreadsheet inspired by Dave Ramsey's budgeting methods. The Box Budget Spreadsheet breaks down each month into four weeks, giving you an easy visual of your expenses, savings, and income.

These spreadsheets work with Microsoft Excel with macros enabled. It's Your Money offers an assortment of free or low-cost personal money management spreadsheets.

PearBudget is a free, comprehensive spreadsheet designed to track your monthly household spending. It can be downloaded and used with Microsoft Excel or any other spreadsheet software that supports Excel files. An analysis tab analyzes expenses by different categories and shows the difference between actual and budgeted spending.

PearBudget also offers an updated online version of the budget spreadsheet that does not require a download and is available for a free 30-day trial.

If you go to the Google Sheets template gallery , you can find some free budget spreadsheet options. There is a monthly budget and an annual budget spreadsheet. You can put in your planned income and expenses, and your actual income and expenses.

That will allow you to track your actual income, and your actual savings, and you'll be able to see where you spent your money, and if your income and spending projects were correct.

Tiller is a company that offers spreadsheet integration with your bank account. That means you can see every single expense from every account. You can also customize the way transactions are categorized. That way, you can track your expenses in a way that makes the most sense to you.

Tiller offers a 30-day free trial so you can see if the software works for you.

Microsoft has a large number of financial templates that you can use. You can use the personal monthly budget or household budget for your ordinary budget needs. Other budget templates that Microsoft offers include a monthly food budget template, a holiday budget planner, and a business trip budget.

You can use one of these spreadsheets or templates to help you manage your finances. You can use them to budget for your routine expenses, like rent or transportation. These tools can also help you save towards a larger goal, like a trip, a new business, or college tuition.

You can try out multiple spreadsheets to see which one works best for you. You'll be able to streamline personal finance planning, and you can see where your money is going and where you might be able to cut down on spending. These spreadsheets can make budgeting much easier than it was in the past.

How do I create a budget?

To start a budget, the first thing you'll need to do is tally all of your monthly income and expenses. Once you have accounted for everything, you can determine whether you are spending more or less than what you make. Then, you can categorize your expenses and set goals for spending and saving and monitor your progress each month. You can use this budget calculator as a guide.

What should I include in a budget spreadsheet?

Your budgeting spreadsheet should include categories for each of your income sources, along with categories for each type of expense you need to track. Add up your income and expenses separately, and then subtract expenses from income to get the difference. You'll also want to create a category for savings. Then, figure out where you can reduce expenses, if necessary.

Consumer Financial Protection Bureau. " Budgeting: How to Create a Budget and Stick With It ."

Vertex42. " 100+ Templates for OpenOffice and LibreOffice ."

Vertex42. " Google Spreadsheet Templates - Help ."

Vertex42. " Free Budget Templates ."

It's Your Money! " Excel Spreadsheets ."

Pear Budget. " Is the Old PearBudget Spreadsheet Still Available? "

PearBudget. " Plan ."

Tiller. " How Tiller Works ."

Microsoft. " Budgets ."

business financial planning spreadsheet

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business financial planning spreadsheet

Top Excel Budget Templates

We’ve provided you with the best free budget template selection around, whether you’re managing a personal budget, an industry-specific budget, or balancing a household budget. additionally, we’ve provided details on how to choose the right budget for your use case, and steps on how to create one..

business financial planning spreadsheet

Business Budget

Track and manage your business expenses so you can make the best strategic decisions for your company with this business budget template. Gain visibility into where you’re overspending, where you need to cutback, and the general health of your company.

Download Business Budget Excel Template

View your budget and expenses in real time so you can make the most informed decisions, track income against expense, and ensure no item goes unseen in savings, spending, or debt repayment goals.

Track Your Business Budget in Smartsheet

business financial planning spreadsheet

Department Budget

Estimate your department expenses for the upcoming fiscal year, track spend against savings, and compare your year-over-year budget numbers by percent changes with this budget template, specifically designed for teams and departments.

Download Department Budget Template

Track and report on the budgets for specific departments, assign departmental budget items to individual team members, and manage budget status in real time to increase accountability and improve visibility. Compare yearly budgets and set automatic alerts when you’re nearing your bottom line.

Manage Department Budgets with Smartsheet

business financial planning spreadsheet

Home Construction Budget

Keep an eye on all construction-related expenses, including remodeling, planned improvements, emergency repairs, and labor and material budgets, and monitor the running balance so you never get below your bottom line.

Download Home Construction Budget Template

Manage Your Construction Budget in Smartsheet

business financial planning spreadsheet

Project Budget

Using a project budget template will help you stay on top of your project budget. With this template you can track the material, labor, and fixed costs associated with each project task, and monitor the variance between your actual and budgeted amounts.

Download the Project Budget Excel Template

Manage Your Project Budget in Smartsheet

business financial planning spreadsheet

Personal Budget

Document, track, and manage your personal income, expenses, and savings to ensure you’re moving towards your financial goals. Improve visibility into how well you save your money so you can reach your goals faster.

Download Personal Budget Template

Manage Your Personal Budget in Smartsheet

Business Budget Management Template Set 

Help your departmental teams track monthly actuals against budget goals so finance can tightly manage corporate financial performance and ensure business stays on track.

Track monthly actuals against budget goals

Receive automated budget and spend approval requests

See a real-time overview of your financial health in a dashboard

business financial planning spreadsheet

Simple Budget

List your income and expenses, calculate spend and savings totals, and view which portion of income is going to which category of expenses to stay on top of your budget and ensure you don’t go over.

Download Excel Template

Try Smartsheet Template

business financial planning spreadsheet

Household Expenses Monthly Budget

Track, manage, and organize expenses for an entire household on a month-to-month basis, create line items for recurring expenses, and boost savings so you can reach your financial goals faster.

business financial planning spreadsheet

Weekly Budget Planner

Track your income and expenses on a weekly or bi-weekly basis to gain better insight into where you’re spending the most money and identify areas where you can save. Add additional columns and update your spending goals as time goes on.

business financial planning spreadsheet

Money Manager

Track expenses and manage your budget in one location with this money manager template. With a yearly budget, a monthly budget report, and a transaction history log, you will have one comprehensive budgeting solution in one location to track expenses and income appropriately.

business financial planning spreadsheet

Zero-Based Budget

Allocate every dollar of your income to a piece of your budget to better track where your money is going and ensure the difference between your monthly income and expenses equal zero. Document both incoming money and outgoing expenses and adjust allocations accordingly.

business financial planning spreadsheet

GLBL Budget

Manage your budget every paycheck and ensure you’re allocating every dollar of income toward an outgo, resulting in a zero balance. Reduce the possibility of overspending by tracking transactions and assessing incoming and outgoing money on a regular basis.

business financial planning spreadsheet

College Budget

Create a budget to help you save money, balance expenses, and manage student loan payments while you’re in college. Track all income and expenses on a quarterly basis and estimate monthly college expense totals to ensure you are always on top of your money.

business financial planning spreadsheet

Academic Club Budget

Track fundraising efforts, document sponsorship amounts, and manage expenses to ensure the operations and strategies of your academic club run smoothly with this comprehensive template. Gain insight into budget versus actual balances and better manage club revenue.

business financial planning spreadsheet

Wedding Budget

Plan how much money you need to save for your wedding, surface all applicable expenses, estimate overall costs, and establish a baseline spend goal. As you start planning, track actual spend amounts to determine the variance to budget to ensure you remain within the bounds of your ideal spending goal.

business financial planning spreadsheet

Early Retirement Budget

Ensure that you’re saving enough money to live comfortably in retirement by creating a comprehensive plan, estimating your daily needs and expenses, and documenting how you will allocate your income. Gain insight into your income and expenses and estimate your budget with inflation factored in to make sure you’re covering all your bases.

business financial planning spreadsheet

Holiday Shopping Budget

To prepare for the holidays, list all gifts to purchase for whom, document how much each will cost, and compare that against a monthly or yearly budget to ensure you have visibility into how much money you are spending during the hectic holiday months.

The Importance of a Personal Budget

Creating a personal budget is not only important for your financial well-being and peace-of-mind, but also for your short and long-term goals. Taking control of your finances with a personal budget template will help you make headway on these goals. 

To get started, you want to consider the following steps to help you establish your personal budget:

  • Set your goals. Take some time to make a list of your short and long-term goals. Determine why each goal is a priority, how you plan to achieve them, and the timeframe in which you would like to accomplish them. Short-term goals should only take a year to accomplish and would include items like paying off a credit card. Your long-term goals could take many years to accomplish, with examples of long-term goals including saving for your child’s education or your own retirement.
  • Track your spending. To make accurate estimates of how much you should allocate to each expense within your personal budget, you will need a sense of how much you are currently spending in each area. Review your bank statements for the last three to four months to get an idea of your spending. Of course, you may decide to change the amount you budget for each item, but this will at least provide a baseline to go off of.
  • Personalize your budget. Using a personal budget template is helpful to get your budget started, though you can always personalize your budget to match your specific needs. Additionally, just because you create a budget one month, doesn’t mean your expenses and goals will be the same for the next. Be sure to have monthly check-ins on your budget and don’t hesitate to update it as your circumstances change.

Getting Started With a Personal Budget Template in Excel

Now that you’ve made a list of your goals and started tracking your expenses, you can begin creating your actual budget using a personal budget template. 

Begin by downloading the personal budget template, and inputting your income, savings goals, and expense amounts for the first month. This template is made up of two sheets, one for your budget breakdown and the second is your dashboard.   

personal budget template

Within the first sheet, you will find three sections, including income, savings and expenses. The categories of the income section are:

  • Salary/Wages
  • Interest Income
  • Refunds/Reimbursements

personal budget template

The next section is where you will input your savings goals. These goals may include both your short-term and long-term savings goals that you listed earlier. This section includes the following categories, but can be changed to fit your goals:

  • Emergency Fund
  • Transfer to Savings
  • Retirement (401K, IRA)
  • Investments

personal budget template

The last section of the personal budget sheet is for expenses. This section has various primary categories, with multiple sub-categories associated. The primary expense categories include:

  • Transportation
  • Daily Living
  • Entertainment
  • Vacation/Holiday

personal budget template

Once you have input the individual amounts for each of the income, savings, and expense categories, you will see that the total for each month is calculated at the bottom of each column. Additionally, totals are calculated at the end of each row, representing your year-to-date total for each budget item, category and section. 

On the second sheet you will find your budget dashboards. Dashboards are helpful to provide a quick visual into the summary and health of your budget, and will automatically update as you make changes to your personal budget sheet. The dashboard sheet included in this personal budget template has the following four distributions:

  • Potential to Save Summary  This summary calculates your potential savings, on a monthly basis, after you have met your current savings goals for the expenses incurred. The potential to save amount is calculated by subtracting the Total Savings and Total Expense amounts from Total Income.

​personal budget potential to save

  • Income to Expenses Chart  The bar chart provides a quick look at the difference between your total income and expenses on a monthly basis, which is helpful to provide a high-level view of the health of your budget.  

personal budget template bar chart

  • Income-Expense-Savings Pie  This pie chart is helpful to determine the breakdown of your budget, providing a visual of what proportion of your budget goes to income, savings, and expenses.

personal budget template pie chart

Finding the right template can help you get started planning your budget, but you should also look for a solution to ensure your finance operations are as efficient as possible. Consider a tool that provides one location for your team to track and manage financial details, from anywhere, in real time.

Smartsheet is an enterprise work execution platform that is fundamentally changing the way businesses and teams work. Use Smartsheet to boost visibility into your finance operations. Make real-time updates and share details with key stakeholders to increase transparency and accountability. Ensure that everyone is working with the most up-to-date information, so that no detail is missed and you are able to make the right decisions at the right time.

Use a pre-built Smartsheet template to create a budget in minutes.

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Free Budget Planner Worksheet

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

What is a budget planner?

A budget planner is a tool, such as a worksheet or template, that you can use to design your budget. A successful budget planner helps you decide how to best spend your money while avoiding or reducing debt. NerdWallet recommends the 50/30/20 budget , which suggests that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment.

business financial planning spreadsheet

Create a budget plan that works for you

The best budget planner is one you can live with, so tweak your approach as needed. For example, the 50/30/20 breakdown is a recommendation to help you get started. Adjust your spending as needed until you reach your ideal budget.

And if a hands-on monthly budget template isn’t working for you, consider one of these budget apps . Most of them sync with your financial accounts, so they can track and categorize expenses for you.

If you can’t make your ideal budget a reality, or if you’re struggling to get a handle on your finances, budgeting might not be enough for you. Explore other options, such as seeking expert financial advice or resources that can help you pay bills .

Monthly budget worksheet

Use the free budget worksheet below to see how your spending compares with the 50/30/20 budget guide.

If this budget sheet isn’t right for you, try another tool. Explore other budget spreadsheets and templates , or download a budget app. For a more simplified snapshot, try our budget calculator .

For other money matters, check out more financial calculators from NerdWallet.

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TOP 30 Financial Templates in Google Sheets for Free


Personal Finance Sheet

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Welcome to the world of finance made simpler! Whether you're a seasoned financial pro, a small business owner, or just a personal finance enthusiast, you know the importance of staying on top of your finances. But sometimes, that's easier said than done, right? Fear not, because we have a game-changer for you!

Imagine having a set of tools that can not only help you streamline your financial processes but also make them more efficient and easier to manage. Too good to be true? Not at all! Dive into our comprehensive roundup of the TOP 30 Finance Templates in Google Sheets - all available for free!

From tracking expenses to planning budgets, and managing investments to forecasting financial growth, these templates are your key to unlocking financial acumen. They're user-friendly, customizable, and most importantly, designed to make your life easier.

Our company presents to you a complimentary, user-friendly, and tailor-made Personal Finance Sheet template, ideal for devising your financial plan. This template's flexibility is its standout feature, allowing you to modify it with any pertinent details while also tweaking its original layout. Leverage the power of Google Sheets to uniquely personalize this template to suit your needs.

Expense trackers serve as a financial compass, recording your expenditures and income over a year. They illuminate your spending habits and income patterns, aiding you in strategizing your financial expenditures and crafting achievable objectives alongside practical budgets. These tools are a vital asset in navigating your financial journey, providing insight into your financial health, and helping you to plan effectively.

Our team of skilled designers has crafted an exemplary financial report template for you, featuring a comprehensive structure designed to cover all facets of your business's profitability. This template invites you to input vital data such as revenue, operating profit, and post-tax profit among others.

Leveraging the financial business plan template is akin to safeguarding your enterprise's future. We've incorporated a distinct table designed to monitor your company's cash flow, providing insights into the actual profitability of your business operations. The beauty of this tool is not just in its functionality, but also in its price - it's free!

Formulating a financial business plan using our expertly designed template is a step towards safeguarding your business's future prosperity. We've incorporated an exclusive table designed specifically to facilitate tracking your company's cash flow, enabling you to gauge the actual viability of your business operations.

Regardless if you're a learner, an emerging career enthusiast, or a household operating on a lean budget, this intuitive spreadsheet is your ally in mastering money management. It paves the way for effective financial handling, enabling you to squirrel away funds for the things that truly hold significance in your life.

The Consultancy Services Sheet Invoice stands out as a stellar choice for streamlining your workflow. It's not only free and user-friendly but also meticulously structured for your convenience. This template invites you to input all the pertinent details and leverage the power of Google Sheets for automatic computations.

Maintaining a payroll spreadsheet for your enterprise is a strategic move toward enhancing efficiency and minimizing inaccuracies. This tool also empowers you to guarantee timely compensation for your workforce, a factor that can significantly uplift their job contentment.

Tackling a monthly budget can indeed be a daunting task, particularly if number-crunching isn't your cup of tea. But fret not, because, with our ready-to-use template designed specifically for managing your monthly budget, the task becomes far less intimidating.

This template equips you with a holistic view of your project, encompassing aspects like task inventories, timelines, and progress monitoring. With its flexible features, including modifiable tables and project timelines, you're empowered to effectively steer complex projects toward timely completion. This tool is your partner in successfully navigating the intricate pathways of project management.

Navigate your event budgeting smartly with our meticulously crafted template, designed to aid in managing your finances effectively. Operating these sheets is a breeze, but should you encounter any queries, our designers have provided comprehensive instructions for your convenience.

This template stands as the epitome of simplicity amongst our 1-year trackers! It grants you the convenience of monitoring your expenditures for an entire year, all consolidated on a single sheet. It's the perfect tool for those who appreciate straightforward and efficient financial tracking.

Engaged in accounting and tasked with compiling an annual report outlining expenses and profits? Our complimentary Yellow and Blue Balance Sheet template is your go-to solution. This template offers a pre-structured design that eliminates the need to create a document from ground zero, conserving your valuable time and energy.

Budgeting empowers you to devise a robust strategy for prudent money management. Within a household setting, keeping tabs on income and expenditures is crucial for adept monetary control and for realizing your financial aspirations. Budgeting isn't just about tracking numbers, it's about paving the way to achieve your goals.

Our expertly designed gray invoice template is your ticket to time-saving and flawless billing for your customers. Crafted by our seasoned professionals, this document delineates the costs associated with various services.

Seeking a convenient hub to monitor your loans and compute their payoff duration? Look no further! This Google Sheets loan payoff template is the ideal instrument for these tasks. It's designed to help you keep track of your loans and effortlessly determine the time frame needed to settle them.

On the hunt for a streamlined, appealing rent receipt template for your clients? We have just the solution that not only saves you time but also aids in the growth of your business. Simply superimpose your brand's logo onto this template, detail the costs of services provided to the client, jot down the total, and you're good to go.

Nonprofit organizations frequently aspire to initiate projects and programs that further their core mission. However, the success of these endeavors hinges on the presence of a dedicated budget. The allocation of funds is a critical component that can significantly influence the efficacy and impact of these charitable initiatives.

Desire to craft inventive invoices for your clientele? Look no further than TheGoodocs' free Construction Design Services Sheet Invoice template. This handy tool lets you create unlimited copies and operate in the user-friendly Google Sheets format, a feature designed to conserve your valuable time.

This template offers a wealth of details beneath its seemingly simple surface. It features tabs at the bottom — namely setup, income, expenses, and summary — each containing a plethora of subcategories. This well-structured format provides a comprehensive overview of your finances, neatly organized for easy access and understanding.

The user-friendly design of this purchase order template facilitates a swift and seamless completion process, thanks to its exceptionally straightforward structure. The template sports a sophisticated brown hue that lends it a formal yet pleasing aesthetic. This template perfectly blends functionality with style, making your purchase order process a breeze.

Streamline the financial management of the Church with a top-notch Catholic Church Budget Template. Utilize Google Sheets to detail pertinent data such as income and expenses. This resource is designed to ensure that the fiscal affairs of your church are organized, transparent, and effectively managed, supporting the smooth functioning of your religious institution.

Steer your grant expenditures adeptly with our expertly crafted template. Our team has tailored a unique tool for you that simplifies the process of budget computations. Simply peruse the usage instructions and start populating the sheet in Google Sheets with your data.

Awareness of your expenditures is a critical element in the efficient operation of a thriving business. However, amid the whirlwind of daily tasks, it's all too easy to overlook the recording of these expenses. This straightforward expense report template is designed to alleviate this burden, making it simple to document all your costs, as well as those incurred by your employees.

The management of your finances may pose a significant challenge at times. Hence, we present to you a meticulously crafted financial blueprint that will enable you to make judicious spending decisions, ensuring a sustainable budget for your studies.

Managing personal finances can be a cumbersome task, especially without the aid of a well-organized spreadsheet. But fret not, for we have the perfect remedy to alleviate your worries!

Efficiently managing cash flow can prove to be a complex task, particularly when it involves more than just tracking your income and expenses. To simplify this process, we have devised a comprehensive template that can aid in managing all financial aspects of your company.

For professionals tasked with tracking orders, this template is an absolute godsend. With this sheet at your disposal, you can save precious time and steer clear of the frustrations that typically accompany supply or shipment monitoring.

Instilling wise money management skills in children is crucial, and this template is tailored for that exact purpose. With a plethora of things that your child may desire to purchase, the template serves as a practical guide to saving money toward those goals. Financial education is a critical life skill that should be acquired early, and this template is an excellent tool to facilitate this learning process.

Don't risk missing out on crucial financial appointments ever again - use the Personal Finance Calendar Template. This calendar is specifically designed to help you stay on top of important dates relating to your finances, such as banking schedules, bill payments, and other financial obligations.

And there you have it! We've journeyed together through the fantastic world of finance, exploring the top 30 Google Sheets finance templates - all for free. These tools are designed to help you streamline your processes, make smarter financial decisions, and stay organized.

Remember, the power of effective financial management lies in your hands. With the right tools, you can turn daunting financial tasks into manageable and even enjoyable activities.

So, go ahead and start experimenting with these templates. Whether you're planning your budget, tracking your business expenses, or strategizing your investments, these templates are your allies in achieving your financial goals.


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10 best financial plan templates in excel

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business financial planning spreadsheet

Financial planning is an essential part of running a business. Without a plan, it can be difficult to track progress and make informed decisions about where to allocate resources. Excel is a powerful tool for financial planning, and there are a variety of financial plan templates in Excel that can help businesses streamline the process.

Some of the best Financial Plan Templates in Excel include templates for creating budgets, tracking expenses, and forecasting income and cash flow. With the right template, businesses can save time and ensure that their financial planning is accurate and efficient.

Simple Financial Statement

A Simple Financial Statement is an Excel template that shows you how to easily and quickly create a financial projection for your business. This statement can be used to track your income and expenses, as well as to forecast your cash flow.

Monthly Financial Report

Monthly financial reports are critical for any business, large or small. They help you track expenses, income, and profitability so you can make sound decisions about where to allocate your resources.

Financial Accounting Schedule

This new Financial Accounting Schedule template for Excel is a great way to keep track of your company's financial transactions. The schedule includes columns for the date, description, type of transaction, debit, and credit.

Financial Ratio Analysis Expenditure

Financial projection templates in Excel can help to streamline the process of Financial ratio analysis by providing a framework for collecting and organizing data.

Financial Accounting Report

This template contains all of the necessary information that you need to track your financial activity, including income, expenses, and assets.

Financial Report Accounts Receivable

The Financial Report Accounts Receivable template is designed to help you track receivables and manage collections. The template includes an aging report, receivables by customer summary, and more.

Income Tax Financial Statistics

Income Tax Financial Statistics offers a comprehensive financial planning template that includes income, expenses, assets, liabilities, and net worth. It also provides a variety of financial reports, including a big-picture view of your finances.

Financial Reception Budget Sheet

This template provides you with a complete overview of all your expenses so that you can stay mindful of your spending. It categorizes all your expenses into various categories such as travel, food, housing, entertainment, miscellaneous, etc.

Financial Analysis Indicator

The Financial Analysis Indicator template is a great option for those looking to create quick and accurate projections. Simply input your data into the template and the indicator will do the rest, providing you with an up-to-date financial projection.

Financial Income Schedule

This Financial Planner Template allows you to track your income and expenses, see where your money is going, and make better financial decisions.

Financial Plan templates in excel are a great way to keep your finance organized and tidy. There are many different finance templates available at WPS Office, so finding one that suits your needs should be relatively easy. Once you have found an effective template, you can download it from a program like WPS Office to create and edit templates.

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  • Main content

As a financial planner, I give my clients 4 tips to make their money last a lifetime

Our experts answer readers' investing questions and write unbiased product reviews ( here's how we assess investing products ). Paid non-client promotion: In some cases, we receive a commission from our partners . Our opinions are always our own.

  • I'm a financial planner, and I remind clients to look at a long timespan and plan for the worst.
  • There's no easy answer to earning more money, but it's important to not ignore that factor.
  • I encourage my clients to focus less on frugality and more on how they'll invest in the future.

As a certified financial planner , my goal is to help self-made professionals build wealth that they can enjoy throughout their lives. To do that, we have to make sure their money will last throughout their lifetimes.

But we also need to make sure that clients actually have opportunities to use their money now , while they are young, healthy, and able to fully experience life.

Here's the process we use to build long-term financial plans that work, including what your investment strategy should consider and why living frugally is a poor strategy for getting rich.

The best online financial advisors can help you meet your long-term goals »

1. Plan for change

Your goals for retirement planning will probably evolve over time. The person you are today will not be the same person who retires in 10, 20, or 30 years.

A long-term financial plan that works accounts for inevitable shifts in goals, values, priorities, and circumstances. Although you might not know exactly what will change, you can still plan for an evolving life.

First, save more than you think you need to when you can. If you find you have excess cash flow, don't default to spending it or upgrading your lifestyle. Direct that money to investments instead so you can grow wealth.

Avoid unrealistic assumptions about future income and expenses. For my own planning, I assume a lower-than-expected growth in income and a higher-than-expected run rate for my cost of living.

When making decisions, opt for choices that allow you to walk away at a low cost. This makes it possible to change or adjust course as needed. Be cautious about decisions that demand fixed commitments (like buying a house) that are difficult to reverse.

2. Look for ways to earn more

Personally, I've shifted from "retire as soon as possible" to a more balanced approach with my financial goals.

I save less money now because I want to use some of my income for important experiences throughout life. I don't want to save everything for use on a distant (and unreliable!) "someday" in the future.

My financial plan can accommodate this choice for two main reasons:

First, I saved aggressively when I could for almost a decade. I've saved at least 30% to 40% of my income . Doing so in the past gives me increased flexibility now.

I also put a lot of time and energy into earning more money through growing my business.

If you want to grow wealth, increasing your income will fast-track your efforts. Too many people who want to throw out money tips ignore this reality.

I understand why no one wants to talk about it. Earning more is not easy to do, and there's no one piece of prescriptive advice to give that will help everyone.

But we cannot ignore the importance of making more money if your goal is to create more wealth. There are many avenues that can get you to a higher income, so you don't need one right answer. You need to select and stick with a strategy that makes sense for you.

3. Remember, frugality will only get you so far

No matter what you want to do, you'll need money to afford your chosen lifestyle in the future. And you won't be able to work to earn an income forever. By choice or by circumstance, you will eventually need another way to pay for your needs other than your own work.

This means we must recognize the necessity of saving money and investing. There's no disputing that. The question is how .

Living frugally to get wealthy is possible; it's a simple fact that the lower your expenses are, the more you can save.

But it's an inefficient path to building wealth. There are only so many costs you can cut. And only saving money misses out on opportunities to create assets that increase in value over time.

4. Develop an investment strategy

If you want to grow wealth without pinching pennies, you have to invest — and you have to do that wisely.

A sound investment strategy needs to consider:

  • What investment vehicles to use
  • The right asset allocation based on your goals and your time horizons
  • The expenses associated with your chosen investments, and how that may impact your returns
  • How to leverage diversification across your portfolio as well as across the specific  brokerage accounts  or assets you invest into
  • The tax implications of your choices
  • Mistakes to avoid, including speculating, market timing, and taking on too much (or the wrong type) of risk

That just scratches the surface of comprehensive investment management here. But in general, if you want to build an investment strategy that will help you grow wealth, you want to look for:

  • Long-term time horizons : The longer your money can be invested, the better your odds of a successful outcome where you see growth of your assets.
  • Risk-adjusted strategies : You want to take on enough risk to see a return, but not more than you can actually afford to realize (or more than you need to meet your goals).
  • Globally-diversified portfolios : Remember that there is a literal world of financial markets out there. Throwing your money into one to three index funds that are all US large-cap stocks or US bonds is not a good example of true diversification.

One final key to keep in mind: You're better off sticking with a decent strategy that works over time than constantly hopping from one thing to another in search of the best strategy ever. Consistency is an underrated element on the road to building wealth.

Watch: The founder and CIO of $12 billion Ariel Investments breaks down how his top-ranked flagship fund has crushed its peers over the past 10 years

business financial planning spreadsheet

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Financial projections use existing or estimated financial data to forecast your business’s future income and expenses. They often include different scenarios so you can see how changes to one aspect of your finances (such as higher sales or lower operating expenses) might affect your profitability.

If you need to create financial projections for a startup or existing business, this free, downloadable template includes all the tools you need.

What are financial projections used for.

Financial projections are an important business planning tool for several reasons.

  • If you’re starting a business, financial projections help you plan your startup budget, assess when you can expect the business to become profitable, and set benchmarks for achieving financial goals.
  • If you’re already in business, creating financial projections each year can help you set goals and stay on track.
  • When seeking outside financing, both startups and existing businesses will need financial projections to convince lenders and investors of the business’s growth potential.

What’s Included in Financial Projections?

This financial projections template pulls together several different financial documents, including:

  • Startup expenses
  • Payroll costs
  • Sales forecast
  • Operating expenses for the first 3 years of business
  • Cash flow statements for the first 3 years in business
  • Income statements for the first 3 years in business
  • Balance sheet
  • Break-even analysis
  • Financial ratios
  • Cost of goods sold (COGS), and
  • Amortization and depreciation for your business.

You can either use this template to create the documents from scratch or pull in information from documents you’ve already created. The template also includes diagnostic tools you can use to test the numbers in your financial projections and make sure they are within reasonable ranges.

All of these areas are closely related, so as you work on your financial projections, you’ll find that changes to one element affect the others. You may want to include a best-case and worst-case scenario to account for all possibilities. Make sure you know the assumptions behind your financial projections and can explain them to others.

Startup business owners often wonder how to create financial projections for a business that doesn’t exist yet. Financial projections are always educated guesses. To make yours as accurate as possible, do your homework and get help. Use the information you unearthed in researching your business plans, such as statistics from industry associations, data from government sources, and financials from similar businesses. An accountant with experience in your industry can be useful in fine-tuning your financial projections. So can business advisors such as SCORE mentors.

Once you complete your financial projections, don’t put them away and forget about them. Compare your projections to your actual financial statements on a regular basis to see how well your business is meeting your expectations. If your projections turn out to be too optimistic or too pessimistic, make the necessary adjustments to make them more accurate.

*NOTE: The cells with formulas in this workbook are locked. If changes are needed, the unlock code is "1234." Please use caution when unlocking the spreadsheets. If you want to change a formula, we strongly recommend that you save a copy of this spreadsheet under a different name before doing so. 

For assistance in completing this template, we recommend downloading the  Financial Projections Template Guide in English  or  Espanol .

You can also see a completed sample by downloading the  Ann's Nursery Example .

Do you need help creating your financial projections? Take SCORE’s online course on-demand on financial projections or connect with a SCORE mentor  online or in your community today.

Simple Steps for Starting Your Business: Financial Projections In this online module, you'll learn the importance of financial planning, how to build your financial model, how to understand financial statements and more.

Business Planning & Financial Statements Template Gallery Download SCORE’s templates to help you plan for a new business startup or grow your existing business.

Copyright © 2023 SCORE Association,

Funded, in part, through a Cooperative Agreement with the U.S. Small Business Administration. All opinions, and/or recommendations expressed herein are those of the author(s) and do not necessarily reflect the views of the SBA.


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