Cash Flow Forecast Spreadsheet

**See the month you run out of money — before you get there.**

Cash flow is not profit. A profitable month can still empty the bank account if you buy stock in October and sell it in December. This file shows you that, twelve months ahead.

**INSIDE THE FILE — 5 TABS**

- Forecast — twelve months, ten income lines and sixteen cost lines, with a closing balance running along the bottom

- Actuals — the same shape, for what really happened

- Variance — forecast against actual, month by month

- Dashboard — lowest balance of the year, the month it happens, and a blunt cover check

- Start here — plain-English instructions

**WHY THIS ONE**

- Two cells to start: your opening bank balance and your first month. Everything else follows.

- The closing balance chains month to month, so one change ripples through the whole year

- Any month the balance goes negative turns red, so the problem month finds you

- Asks a blunt question each month: if nothing came in next month, could you still pay the bills?

- Variance only compares months you have actually filled in, so it never shows nonsense

**WHO IT IS FOR**

Anyone with a seasonal business, anyone buying stock before they sell it, anyone who needs to show a lender or a partner what the next twelve months look like.

**WHAT YOU GET**

- 1 x XLSX file (opens in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice Calc)

- A "Start here" tab written in plain English

- Every cell pre-filled with a worked example, so you can see how it behaves before you touch it

**HOW IT WORKS**

Cream cells are the ones you type in. Grey cells work themselves out. That is the whole rule.

No macros. No pivot tables. No add-ons. Everything is built from ordinary formulas and dropdowns, which is why it behaves the same way in Excel and in Google Sheets. Nothing to enable, nothing to trust, nothing that breaks on the other side.

**TO USE IT IN GOOGLE SHEETS**

Google Drive > New > File upload > right-click the file > Open with > Google Sheets. That is it. No add-on, no permissions request.

**DELIVERY**

Instant download. Etsy emails you the file the moment payment clears. Nothing is posted to you.

**LICENCE**

Use it in your own business as much as you like, on as many devices as you like. Please do not resell, redistribute or share the file itself.

**A NOTE ON THE EXAMPLE DATA**

The file arrives filled in with example numbers so nothing looks empty and you can see every formula working. Type straight over them with your own.

Questions before you buy? Message me — I answer the same day.