Project your business cash position month by month. Enter opening balance, revenue growth, costs and one-time expenses. Negative months highlighted in red automatically.
Add one-time expenses like equipment purchase, office setup, etc. Enter the month number (1–12) and amount.
| Row | M1 | M2 | M3 | M4 | M5 | M6 | M7 | M8 | M9 | M10 | M11 | M12 |
|---|
A cash flow forecast projects when money may be collected and paid. Unlike a profit and loss statement, it focuses on cash timing. A business can report accounting profit while still facing a cash shortfall.
A negative closing balance means the entered scenario cannot fund all planned payments in that month. Recheck timing and assumptions, then document permitted collection, cost, financing, or contingency actions before the month begins.
Use the planning rate your accountant, bookkeeping record, or current revenue-authority guidance supports. If you are unsure, run a conservative scenario and a lower-tax scenario, then verify the real filing treatment before using the forecast for lending, pricing, or compliance.
The forecast uses opening cash, monthly revenue, revenue growth or manual revenue entries, COGS, fixed costs, tax estimate, and one-time costs to calculate inflows, outflows, net cash flow, and closing balance for each month.
Reviewed 2026. Assumptions can become stale when prices, tax treatment, customer payment timing, FX, and supplier terms change.