Free 12-Month Cash Flow Forecast Tool for Small Business
Build a 12-month cash flow forecast with revenue, fixed costs, variable costs, starting cash, running balance, and visual bars.
Profit and cash are not the same. A cash flow forecast shows when money comes in, when money leaves, and whether the business has enough cash to stay steady.
12-Month Cash Flow Forecast
Forecast basics
Start with opening cash, expected cash receipts, fixed costs, variable costs, debt payments, owner draws, taxes, and one-time expenses.
- Use cash timing, not invoice date.
- Build conservative and expected versions.
- Review monthly against actuals.
How to interpret
A negative ending balance warns you to reduce costs, collect faster, delay spending, increase sales, or arrange financing before the gap arrives.
- Watch the lowest month, not only year-end.
- Separate seasonal spikes from sustainable growth.
- Plan actions before cash turns negative.
Related Resources
Frequently Asked Questions
What is a cash flow forecast?
A month-by-month projection of cash in, cash out, and ending balance.
How often should I update it?
Monthly at minimum; weekly if cash is tight.
Should revenue equal cash received?
Not always. Use the month you expect to collect money.
Build the next step with clearer numbers.
Use the calculators, checklists, and guides above to turn the idea into an operating plan.