Small Business Cash Flow Planner

12-Month Excel Forecast for Freelancers and Service Businesses

Track cash received and paid, close your month, and see when cash might fall below the buffer you choose.

Built for independent consultants, freelancers, and small service businesses that bill by project or retainer. Enter posted receipts and payments, then add dated plans for cash that is still outstanding.

WHAT’S INCLUDED

• A blank Excel workbook and a worked example with fictional transactions

• A dashboard with closed cash, forecast coverage, and cash-buffer alerts

• Separate income and expense trackers with category dropdowns and 500 rows each

• Monthly cash flow, a rolling 12-month forecast, and a category summary

• A two-page PDF quick-start guide

FORMAT

One ZIP containing two editable .xlsx files and a PDF. Designed for USD and manual entry. Tested in desktop Excel. The worked example was also checked in Google Sheets for key formulas, category dropdowns, and the dashboard chart. No macros, paid add-ins, or bank connections.