Free Cash Flow Forecast Template
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As we mentioned in our recent article “Why is a Cash Flow Forecast Important?”, managing your business’s Cash Flow isn’t just good practice—it’s essential.
Whether you’re a start-up, freelancer, or established SME, knowing what money is coming in and going out each month helps you stay in control, avoid unexpected issues, and plan ahead.
That’s why we’ve created a professional, easy-to-use and simple Cash Flow Forecast template—available to download for free.
Why Cash Flow Forecasting Matters
Every successful business relies on solid Cash Flow Forecasting to make informed decisions and maintain a healthy net Cash Flow. It’s not just about survival—it’s about growth, planning, and sustainability.
Cash Flow Forecasting means you have a monthly cash flow template which is populated by known and estimated figures to calculate likely cash flow; it’s an essential in your business forecasting tools.
This simple Cash Flow Forecast Template helps you to:
- Spot Cash shortfalls before they happen
- Confidently apply for funding or credit
- Plan key decisions like hiring or investment
- Maintain solvency through seasonal fluctuations
If you’re new to this topic, we recommend reading our article “Why is a Cash Flow Forecast Important?” to understand how a forecast supports long-term financial health.
Our Free and Simple Cash Flow Forecast Template
Our free tool is more than just a monthly Cash Flow template. It’s a practical, business-ready Cash Flow Forecast template that’s:
- Fully editable in Google Sheets
- Downloadable and compatible with Microsoft Excel
- Simple enough for non-accountants to use with confidence
Once subscribed, you’ll receive your Cash Flow Forecast template link via email.
And don’t forget, we’re only a phone call away if you’d like to discuss your forecast or how to get started.
What’s Included in Our Cash Flow Forecast Template
Our business Cash Flow Forecast template includes everything you need to get started:
- Cash Flow Table: Organised by month, covering 12 months
- Income Section: Categorised by sales, grants, or other revenue
- Outgoings: Track rent, wages, utilities, suppliers, and more
- Auto Calculations: See your Cash Position updated instantly
How to Use the Cash Flow Forecast Template in 4 Simple Steps
This tool has been designed for ease of use. Here’s how to get started:
- Add your opening Cash Balance
Know what you’re starting with at the beginning of the period. - Input expected income
Include confirmed payments, likely sales, and recurring revenue. - Record outgoing expenses
Rent, software, insurance, salaries—anything leaving your account. - Review your forecast chart
See your financial position projected month by month.
Frequently Asked Questions
What is a Cash Flow Forecast Template and why is it important?
A Cash Flow Forecast Template is a tool that helps businesses track their incoming and outgoing Cash Flow over a set period. It allows you to predict future Cash shortages or surpluses, ensuring you make informed decisions about spending, investing, and managing finances. By using a template, business owners can easily stay on top of their Cash Flow and avoid running into financial issues that could disrupt operations or growth.
Learn more: Read our article “Why is a Cash Flow Forecast Important?”
How do I create a Cash Flow Forecast Template in Excel or Google Sheets?
Creating a Cash Flow Forecast Template in Excel or Google Sheets is simple as long as you understand the Cash Flow formula and other equations to add into the table.
Start by creating columns for each month and rows for different categories like income, expenses, and net Cash Flow. Use formulas to automatically calculate totals and track fluctuations.
Instead of creating your own, why not download our Free and simple Cash Flow Forecast Template and tailor it to your own needs
Our template is a Google sSheets Cash Flow Template but can be downloaded and imported as an Excel Cash Flow Spreadsheet
What should be included in a Cash Flow Forecast Template for a small business?
A good Cash Flow Forecast Template for a small business should include the following sections:
- Income: Sales, grants, loans, or other revenue streams
- Outgoings: Rent, wages, utilities, supplies, and other operational costs
Net Cash Flow: Calculated by subtracting outgoings from income
The template should also include auto calculations to update the Cash Position as income or expenses change, helping you stay up-to-date.
How can a Cash Flow Forecast Template help with forecasting expenses?
A Cash Flow Forecast Template is invaluable for forecasting expenses because it allows you to input both fixed and variable costs.
By tracking monthly outgoings like rent, salaries, and utilities, as well as one-off costs, you can predict periods of high expenditure and take steps to manage Cash Flow accordingly.
This helps businesses maintain a healthy net Cash Flow and avoid running out of funds when needed most.
Ultimately, the ability to foresee difficulties or opportunities and respond to them makes a business more successful and brings an increase to the gross margin by the end of the year.
Can a Cash Flow Forecast Template be used for Cash Flow Projection?
Yes, a Cash Flow Forecast Template is perfect for Cash Flow projections. It allows you to project your financial position for future months or years, taking into account expected income and expenses.
By updating the template regularly, you can keep a rolling Cash Flow Forecast and adjust projections based on real-time data, ensuring more accurate financial planning and decision-making.
Explore our other articles and resources
Our Cash Flow Forecast template is not the only free and helpful financial resource we offer!
If you’re interested in learning more about smart financial practices and insights for your business, check out our recent articles and to find downloadable tools and resources.
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Resource: How to use pricing strategies to increase gross margin.
Free Cash Flow Forecast Template
Get yours now
We’ll email your Google Sheets Cash Flow Template to you!
You will also join our mailing list to receive more free guides, resources and advice – you can unsubscribe at any time.
This will also join you to our mailing list to receive more free guides, resources and advice – you can unsubscribe at any time.
Talk to the Palmers team
Whatever stage your business is at, we have a bespoke package for you.
Drop us a message or give us a call to find out more. Our friendly team is ready to help.
