Cash flow forecast

It is free to fill in online, needs no account, and downloads as a Word document or a PDF. See all Finance and accounting templates

• Business name

  For example: Brightwater Bakery Ltd

• Prepared by

  For example: Ahmed Nasser, Finance

• Currency

  For example: EUR

• Months covered

  For example: July to December 2030

• Prepared on

  For example: 20 June 2030

• Cash at the start

  Cash in the bank and in hand.

  For example: 25,000

• Money coming in, by month

  One row for each month.

  For example: July | sales 62,000 | other 0 August | sales 58,000 | other 3,000 September | sales 65,000 | other 0

• Money going out, by month

  One row for each month.

  For example: July | stock 24,000 | wages 21,000 | rent and bills 6,500 | loan 2,000 | other 4,000 August | stock 22,000 | wages 21,000 | rent and bills 6,500 | loan 2,000 | other 3,000

• Cash at the end of each month

  Opening cash plus money in, minus money out.

  For example: July 28,500 August 36,000 September 53,500

• Assumptions

  What you took for granted.

  For example: Customers pay within 14 days. Sales follow last year, plus 3 percent. No new equipment is bought.

• Large or one-off items (optional)optional

  For example: New van deposit of 6,000 in October. Tax payment of 9,000 in December.

• Minimum cash you want to keep

  A buffer, such as one month of costs.

  For example: 15,000

• Risks

  One per line.

  For example: A large customer paying late. Rising ingredient prices.

• What we will do if cash runs short

  Say what, who and when.

  For example: Ask suppliers for 30 more days. Delay the van purchase. Use the overdraft of 10,000.

1. 11. Cash at the start
2. 22. Money coming in
3. 33. Money going out
4. 44. Cash at the end of each month
5. 55. Assumptions
6. 66. Large or one-off items
7. 77. Risks
8. 88. If cash runs short

1. 01

   Fill in

   Type your details in the form. The document fills itself in as you type; click any gap to jump to its field.

2. 02

   Check

   Read it through. Gaps you have not filled stay marked, so nothing goes out half done.

3. 03

   Download

   Save it as a Word document to edit further, or as a PDF to send or print.

What details does this template ask for?

The form asks for 14 details, starting with Business name, Prepared by, Currency, Months covered, Prepared on. 1 more are optional.

Can I download this template as Word or PDF?

Yes. When you have filled in the form, save it as a Word document to keep editing, or as a PDF to send or print. It is free and needs no account.

Is what I type sent anywhere?

No. What you type stays in your browser while you fill in the document. It only goes to nerix if you choose to open the template in the chat.

What should I check before I use this template?

A forecast is an estimate. Update it often and compare it with what really happened. For loans, investors or tax decisions, ask an accountant to review it.

Are these finance templates free?

Most are. Fill in and download them for free as Word or PDF, with no account. A few longer documents are premium: free to fill in, paid once to download, and marked with their price.

Do these templates include tax rules?

No. Tax and invoicing rules differ by country. Each template has fields for amounts and references, and you add the tax details your local rules require.

Can I use them with my accounting software?

Yes. They are plain documents. Download the Word version, or copy the figures into your software.

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