Blank workbook
Set a start month, opening cash, closed months, and a minimum cash buffer.
Digital download · Excel template
Small Business Cash Flow Planner
12-Month Excel Forecast for Freelancers and Service Businesses
Track cash received and paid, close your month, and see when projected cash might fall below the buffer you choose.
One-time purchase. Payhip checkout with PayPal. Any applicable taxes are shown at checkout.
Delivered in one ZIP
What’s inside.
Worked example
Follow fictional cash receipts, payments, and future plans through the workbook.
Quick-start guide
Two pages on recording actuals, closing a month, and reading the forecast.
Workbook previews
Look inside the planner.
Open any image for a closer look. The figures in these previews are fictional.
Dashboard
See closed cash, forecast coverage, and months below your chosen buffer.
Income Tracker
Log cash received with dates and categories. The tracker includes 500 entry rows.
Expense Tracker
Record payments as they clear. This tracker also includes 500 entry rows.
Monthly Cash Flow
Review cash received, cash paid, and closing balances by month.
12-Month Forecast
Keep posted cash and remaining plans separate as you look ahead.
Category Summary
Review where cash came from and where it went across closed months.
Getting started
From entries to a cash forecast.
- Unzip the download and open the example in desktop Excel.
- Set your starting month, opening cash, and buffer in the blank workbook.
- Log payments as they clear, close your month, and enter dated plans for cash still outstanding.
Before you buy
Good to know.
What will I download?
One ZIP containing an editable blank Excel workbook, a worked example with fictional transactions, and a two-page PDF quick-start guide. After payment, Payhip provides your download and sends a receipt.
Which spreadsheet app should I use?
Use desktop Microsoft Excel for the intended experience. The worked example was also imported into Google Sheets to check key formulas, category dropdowns, and the dashboard chart. The files are supplied in Excel format.
Does it connect to my bank or track invoices?
Enter cash received and paid manually in USD. The workbook uses no macros, paid add-ins, or bank connections. It does not manage invoices, inventory, payroll, or taxes.
Can I get help with a download or request a refund?
Use the contact page with your order reference. Our refund policy explains how we handle delivery problems, duplicate orders, and applicable consumer rights.
Small Business Cash Flow Planner