Small Business Cashflow & Budget Kit: 12-Month Forecast, Budget vs Actual, Break-even (Excel)

Know months in advance when cash gets tight, and what you need to sell to stay safe.

What you get (one workbook, 6 sheets):

• 12-Month Cashflow Forecast: income and expenses per month, closing balance, and a LOW warning when cash drops below your buffer.
• Budget vs Actual: set a budget per category; the expense log fills the actuals automatically, overspending turns red.
• Expense Log: date, description, category drop-down, amount.
• Break-even Calculator: sales per month to cover fixed costs and to hit your profit target.
• Tax Reserve & Emergency Fund Planner: how much to set aside every month.
• Guide.

Works in Excel, LibreOffice and Google Sheets. No macros. Yellow cells are inputs, green cells calculate.

Instant download. Digital product.

Please note: AI-assisted template, checked with sample data. Not tax, legal or financial advice.

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