12-Month Small Business Financial Model Excel Template - P&L, Cash Flow, Break-Even, Dashboard, Scenarios

Know where your cash will be in 12 months. This Excel workbook turns a few assumptions into a full monthly profit and loss, cash flow forecast, break-even analysis and dashboard, already filled in with a sample business so you can see it working right away.

What you get:

• Assumptions tab: starting customers, growth %, price, COGS %, fixed costs by category, payroll, tax rate, opening cash and loan, all in color-coded input cells
• 12-month P&< with live formulas: revenue, COGS, gross profit, operating expenses, interest, tax, net profit and margins
• Cash flow forecast with loan repayment schedule, closing cash and an OK / LOW / NEGATIVE runway flag
• Break-even calculator in units and revenue, with month-by-month status and a price sensitivity table
• Dashboard with summary KPIs plus two charts: revenue vs profit and month-end cash balance
• Base / Best / Worst scenario dropdown that flows through every tab
• Start Here guide, README and license included; no macros

Who it is for: small business owners, side-hustlers, freelancers, startup founders, and consultants or bookkeepers who want a clean planning model for their own use or for client work (personal and client use license, no resale).

Works in Microsoft Excel and Google Sheets (upload to Drive and open with Sheets). Sample numbers are illustrative only. This is a planning tool, not financial, tax or legal advice, and it does not predict or guarantee results.