Download Cash Flow Template
Professional Excel template with automatic calculations for monthly and annual cash flow projections.
- 12-month detailed projections
- 3-year summary view
- Automatic calculations and totals
No sign-up required
What's Included
12-Month Detail Sheet
Month-by-month cash inflows and outflows with categories for all business expenses and revenue streams.
3-Year Summary
Annual summary view showing projected cash position over three years with quarterly breakdowns.
Cash Inflows Section
Track revenue from sales, grants, loans, and other income sources with timing assumptions.
Cash Outflows Section
Categorized expenses including salaries, rent, utilities, materials, and loan repayments.
Opening & Closing Balances
Automatic calculation of opening balance, net cash flow, and closing balance for each period.
Visual Charts
Built-in charts showing cash flow trends, cumulative position, and inflow/outflow comparison.
How to Use This Template
- 1
Enter Your Opening Balance
Start with your current cash position or projected starting balance when funding is received.
- 2
Project Your Cash Inflows
Enter expected revenue month by month. Be realistic about payment terms (30-60 day delays are common).
- 3
List All Cash Outflows
Include fixed costs (rent, salaries) and variable costs (materials, marketing). Don't forget one-time expenses.
- 4
Review the Results
Check your closing balance each month. Identify months with negative cash flow and plan how to cover shortfalls.
- 5
Adjust and Refine
Test different scenarios. What if sales are 20% lower? What if costs increase? Build in a buffer.
Tips for Accurate Projections
Account for Payment Delays
Don't assume cash comes in when you invoice. Factor in 30-60 day payment terms, especially for government clients.
Include All Expenses
Don't forget: tax payments, loan repayments, license renewals, insurance, and owner drawings.
Be Conservative on Revenue
It's better to exceed conservative projections than to fall short of optimistic ones. Funders appreciate realism.
Plan for Seasonal Variations
Most businesses have seasonal patterns. Adjust your projections to reflect high and low months.
Common Mistakes to Avoid
- Confusing profit with cash: Just because you're profitable doesn't mean you have cash. Sales on credit delay cash inflows.
- Forgetting VAT timing: VAT collected from customers must be paid to SARS. Factor in VAT outflows.
- Ignoring loan capital repayments: Loan repayments come from cash flow, not profit. Include both principal and interest.
- Unrealistic growth assumptions: Doubling revenue each month is rarely realistic. Use historical data or industry benchmarks.
Related Resources
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