Small Business Budget & 12-Month Cash-Flow Forecast

Plan your revenue and costs once; the workbook turns them into a month-by-month profit and cash-flow forecast that accounts for payment terms and VAT timing. Switch between four scenarios with one dropdown.

What's included

• Small-Business-Budget-Cash-Flow-Forecast.xlsx – one workbook, ready to use
• Settings: any start month, opening balance, cash buffer, currency, VAT period and payment terms
• Revenue plan: up to 10 streams with growth, seasonality and cost of sales
• Cost plan: up to 30 costs (monthly, quarterly, annual or one-off) plus loans, investments and drawings
• 12-month cash flow with lowest cash point and months below your buffer
• Base, Optimistic, Pessimistic and Custom scenarios compared side by side
• Plan vs actual with variance flags and a latest year-end estimate
• Dashboard with scenario table and charts

Who it's for

Small business owners, shops, cafés, makers, agencies and start-ups who want to know whether they'll have enough cash – before hiring, investing or applying for a loan.

How to use

1. Excel: unzip the download, then open the .xlsx in Microsoft Excel 2010 or later (Windows or Mac).
2. Google Sheets: upload the file to Google Drive, open it with Google Sheets, then choose File → Save as Google Sheets.
3. Start on the Start Here tab. White cells are for your input; grey cells are calculated and locked.

Good to know

• 2026 edition: start the 12 months in any month (e.g. January 2027). VAT rates and payment terms are your own inputs; no country tax rules are built in.
• A planning aid, not tax or financial advice. Review the forecast monthly with your actual figures.
• Works in any currency (one per file). Depreciation and stock changes are not modelled.

Support

Questions? Email balans@brightsheetsstudio.com

Instant digital download. By purchasing you agree the download starts immediately, which waives the 14-day withdrawal right for digital content.