Small Builder Profit and Loss and Cash Flow Forecast (UK)

Cash Flow Forecast Template UK: Small Builder Profit and Loss and Cash Flow Forecast

A spreadsheet for small building and trades firms that shows the month the bank account is lowest before it happens. List your jobs with their staged payments, type your monthly costs, and get a 12-month cash flow, a monthly and yearly profit and loss, and a margin for every job.

What it does

• Turns deposit, stage and final payments (and retention) into monthly income.
• Shows opening balance, cash in, cash out, VAT payment and closing balance for 12 months, with a red flag for any month below zero and the lowest point of the year.
• Works out a simple VAT estimate and, if you work under the Construction Industry Scheme, the CIS taken off your labour.
• Gives a profit and loss by month and year: income, direct costs, gross profit %, overheads, net profit.
• Compares each job's value with its costs and flags losses and thin margins.

What is in the download

One .xlsx file with a worked example for a two-person building firm (made-up figures, marked as an example) and a BLANK copy for your own firm. Works in Excel and Google Sheets. No macros. You type in the pale yellow cells; the formulas are locked, with no password.

What it does not do

It does not file anything with HMRC and it does not calculate tax. The VAT line is an estimate for planning, and your real return may differ. Income is counted when you are paid.

This is management information. It is not a tax return and not tax advice.