Cash flow forecast & tracking templates for Excel

Profit tells you whether the business works; cash flow tells you whether it can pay next month's bills. This page collects the cash flow templates built by Sheetly AI — 13-week and 12-month forecasts, rolling 18- and 24-month views and monthly trackers — and explains how a cash flow forecast is built so you can choose the right horizon.

Ready-made templates

Monthly Cash Flow Waterfall & Scenario Variance Dashboard
Track monthly cash inflows, outflows, and scenario variances in one place. Free .xlsx with formulas.
12-Week Rolling Cash Flow & Runway Dashboard — Excel spreadsheet template to download
Monitor cash, burn rate, and runway over the next 12 weeks
Personal Budget & Monthly Cashflow Tracker — Excel spreadsheet template to download
Track income, expenses, cashflow, and savings against your monthly budget
Multi-Year Sales & Cashflow Analytics Template — free Excel template
Track multi-year sales, expenses, and cashflow trends with dynamic KPIs
Multi-Year Sales, Expense & Cash Flow Performance — Excel spreadsheet template to download
Track revenue, costs and profitability trends across multiple years
Personal Monthly Budget & Cash Flow Planner — Excel spreadsheet template to download
Plan your finances, track spending, and monitor monthly cash flow in one place
Multi-Year Sales, Expenses & Cashflow Dashboard — Excel template with real formulas
Track revenue, spending, and net cashflow across multiple years
Monthly Cash Flow Variance & Covenant Dashboard — free Excel template
Monitor cash flow, variances vs. budget, and key lending covenants monthly
Personal & Household Budget and Cash Flow Monitor — free Excel template
Track monthly income, expenses, and savings with clear household KPIs
Small Real Estate Portfolio Cash Flow & Equity Dashboard — free Excel template
Track monthly cash flow, equity build, and return on capital across your rental units
Comprehensive Personal & Household Cash Flow Dashboard — free Excel template
Track income, expenses, monthly budgets, and cash flow alerts in one place
Personal Budget & Monthly Cash Flow Monitor
Track income, expenses, and monthly cash flow for smarter spending. Free .xlsx with formulas. Tracks Total Monthly Income, Total Monthly Expenses.
Freelancer Revenue & Quarterly Tax Cash Flow Dashboard
Track freelance income, expenses, and tax payments to manage cash flow. Free .xlsx with formulas. Tracks YTD Revenue, YTD Expenses, YTD Net Income.
12-Month Profit & Loss & Cash Flow Dashboard
Track monthly P&L, cash flow, and key KPIs for micro businesses. Free .xlsx with formulas. Tracks Total Revenue (12 Months), Average Net Profit Margin.
18-Month Rolling Profit, Cash Flow & Reserve Dashboard
Track profit, cash flow, and capital reserves across a rolling 18-month horizon. Free .xlsx with formulas.
13-Week Rolling Cash Flow Forecast & Covenant Alert
Monitor weekly cash flows and loan covenants to prevent liquidity surprises. Free .xlsx with formulas. Tracks Current Cash Balance, 13-Week Net Cash Change.
Annual Personal Cash Flow and Savings Dashboard
Track yearly income, expenses, savings allocation, and investment contributions. Free .xlsx with formulas. Tracks Annual Net Cash Flow, Total Annual Income.
18-Month Rolling Profit & Cash Flow Dashboard
Track profit, cash flow, and break-even over the next 18 months. Free .xlsx with formulas. Tracks 18-Month Total Revenue, 18-Month Total Net Profit.
24-Month Rolling Business Cash Flow Forecast Dashboard
Monitor cash flow, scenarios, and debt covenant KPIs over the next 24 months. Free .xlsx with formulas.
12-Month Cash Flow Forecast Dashboard — free Excel template
Plan, monitor, and optimize your small business cash position over 12 months. Free .xlsx with formulas.
Monthly Cash Flow Tracker for Small Business
Track inflows, outflows, and net cash by month to stay on top of liquidity. Free .xlsx with formulas.

How a cash flow forecast is built

Every forecast is the same chain: opening balance, plus cash in (sales collected, loans, other receipts), minus cash out (suppliers, payroll, rent, taxes, loan payments), equals the closing balance — which becomes next period's opening balance. The running balance is the line to watch; the templates highlight any period where it goes negative.

The key word is collected. A sale invoiced in March and paid in May is cash in May. Forecasts that use invoiced revenue instead of expected collections look healthy right up to the month the account runs dry.

13-week, 12-month or rolling: choosing the horizon

A 13-week (weekly) forecast is the tool for tight cash: it shows which week a payroll or supplier payment will not be covered, early enough to act. A 12-month forecast is the planning view for budgets, hiring and loans, usually monthly. Rolling 18- or 24-month forecasts add a new month as each one closes, so the horizon never shrinks.

Pair any forecast with a tracker: the monthly actuals next to the forecast, with the variance, is how the forecast gets better every month instead of being rebuilt from scratch.

Common mistakes the spreadsheet should prevent

Forgetting the irregular payments: quarterly taxes, annual insurance and loan balloons belong in the forecast in the month they are paid, not spread evenly.

No variance column: without forecast vs actual side by side, nobody learns which assumptions were wrong.

Hard-coded balances: the templates here use real Excel formulas, so changing one receipt or payment recalculates every closing balance after it.

Download a template or generate your own

Each cash flow template below has a real preview and its full list of tabs and formulas. Viewing every template online is free. With a free verified account you can download one template per month; Pro subscribers get unlimited downloads. You can edit and use them in your own work and inside your own company — including commercially; each template page states its license.

Need a different horizon, several bank accounts or your own categories? Describe it in plain English and Sheetly AI generates a custom cash flow workbook as an .xlsx file.

Need something custom?

Describe the spreadsheet you need in plain English and Sheetly AI builds the .xlsx with your columns, your formulas and your structure.

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Frequently asked questions

How do I make a 12-month cash flow forecast in Excel?

List the 12 months as columns. For each month, start from the previous closing balance, add expected cash in (collections, not invoices), subtract expected cash out, and carry the closing balance to the next month. Conditional formatting on the closing balance flags any month that goes negative.

What is the difference between a cash flow forecast and a cash flow projection?

The terms are used interchangeably. Some teams use "forecast" for the near term based on known receipts and bills, and "projection" for longer, assumption-driven scenarios; the spreadsheet mechanics are the same.

When should I use a 13-week cash flow forecast?

When cash is tight or uncertain. Weekly granularity shows exactly which week a payment will not be covered, which a monthly forecast can hide inside a month that ends positive.

Are the cash flow templates free?

Viewing every template online is free. With a free verified account you can download one template per month; Pro subscribers get unlimited downloads. You can edit and use them in your own work and inside your own company — including commercially; each template page states its license.