Free 12-Month Cash Flow Forecast Tool for Small Business
Look ahead. Make your next cash decision clearer.
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.
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 your next step with a clearer plan.
Use the calculators, checklists, and guides above to turn the idea into an operating plan.
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