Cash flow schedule template

Use this information to forecast how long your cash will last, and whether you need to obtain additional financing. Use this cash flow projection template, designed for small businesses, to determine whether or not your business has adequate cash to meet its obligations.

The monthly columns provide a big picture of how long funds should last, and the tallies for cash receipts, cash paid out, and other operating figures allow you to identify any potential shortfalls of your cash balances. This small business cash flow template also works with projected figures for a small business plan.

This template includes unique expected and actual cash-on-hand details for the beginning of each month, which you can use to ensure that you can pay all employees and suppliers. Enter cash receipts and cash paid out figures to determine your end-of-month cash position. Excel Smartsheet. Sections include beginning and ending cash balances, cash sources, cash uses, and cash changes during the month. Ultimately, this template will help you identify potential issues that you must address in order for your business to remain on sound fiscal footing.

Daily cash flow forecasts are particularly helpful in determining that everything is accounted for and for avoiding any shortfalls. The template calculates cash payments against operating expenses to provide a daily net cash change and month-ending cash positions.

Keep quarterly tabs on your cash flow with this customizable template. Use the quarter-by-quarter tabs to quickly detect any problems with a variety of factors, such as late customer payments and their potential impact on your business. This quarterly cash flow projections template is perfect for determining how any given variable might affect future financial planning. The spreadsheet provides separate tabs for a current cash flow statement, as well as month cash flow and three-year cash flow projections.

Enter year-by-year operations, investing activities, and financing details to see your year-over-year net increases or decreases. You can save this template as an individual file with customized entries, or share it with other business units or departments that need to provide cash flow details.

This DCF forecast template is also ideal for determining the value of a potential investment. Use this template to determine whether your nonprofit will have enough cash to meet its financial obligations. There are sections for cash receipts, contributions and support, government contracts, other revenue sources, and receivables from previous years. Financial Modeling Packages. Industry-Specific Modeling. Real Estate. Professional Skills. Finance Interview Prep. Corporate Training. Technical Skills.

View all Free Content. Structure of a 13 Week Cash Flow Forecast. Get the Free Excel Template! Email provided. Your Download is Ready. Roll-Forward Summary. Intangible assets balances are calculated in much the same way by adding the purchases of intangible assets as per the cash flow statement and deducting the amortization charges which need to be entered on the income statement. The calculation of the investments balances on the balance sheet is a bit simpler in that only the purchases of new investments as per the cash flow statement is added to the previous month's balance and there is no depreciation or amortization on investments.

The inventory balances on the balance sheet are calculated based on the inventory days assumption which is specified on the Assumptions sheet. The number of days that are entered here is applied to the weekly cost of sales in order to calculate the appropriate inventory balance.

This calculation is based on the number of days in a week and the difference between the days in the assumption and full week days. Example: If you enter an inventory days assumption of 30 days, the entire cost of sales value for four weeks will be included in the inventory balance. After including the four weeks, there is a difference of 2 days between the 30 days assumption and the total days in four weeks.

The week 5 cost of sales balance will therefore be used, divided by 7 days and multiplied by the 2 remaining days. Note: The above calculation principle is applied regardless of the number of days which are entered as the inventory days assumption on the Assumptions sheet even if the value of the inventory days assumption requires the inclusion of multiple weeks.

This method of calculation is the most accurate way of projecting inventory balances even for businesses where there is significant sales volatility. Note: If your business does not carry inventory, you can simply enter a nil value in the inventory days assumption on the Assumptions sheet.

The inventory line on the balance sheet will then also contain nil values. If you want to include variable weekly inventory days, you can do so by changing the inventory days assumption in the Workings section of the balance sheet which has been included below the section with the ratios.

Simply replace the formula which links the inventory days assumption to the value on the Assumptions sheet by overwriting it with the appropriate inventory days value. The trade receivables balances on the balance sheet are calculated based on the debtors days assumption which is specified on the Assumptions sheet.

The debtors days number can be determined based on the average trading terms which has been negotiated with customers. The debtors days is applied to the weekly turnover in order to calculate the appropriate trade receivables balance. Example: If you enter a debtors days assumption of 30 days, the entire turnover value for four weeks will be included in the inventory balance.

The week 5 turnover balance will therefore be used, divided by 7 days and multiplied by the 2 remaining days.

Note: The above calculation principle is applied regardless of the number of days which are entered as the debtors days assumption on the Assumptions sheet even if the value of the debtors days assumption requires the inclusion of multiple weeks. This method of calculation is the most accurate way of projecting trade receivable balances even for businesses where there is significant sales volatility.

Where sales tax is applicable, the appropriate sales tax value relating to weekly turnover will be added to the trade receivables balance.

Sales tax codes are defined on the Assumptions sheet and the codes in column A next to the turnover amounts on the income statement are used to determine the appropriate rate of sales tax to be used. The trade receivables calculation will also only include lines that are coded with a sales tax rate code in the first two characters and a "C1" at the end of the code. The C1 part of the code refers to credit sales while the inclusion of a C0 code at the end refers to cash sales. Cash sales do not need to be included in the trade receivables calculation and turnover lines with C0 or no code in column A are therefore ignored when calculating trade receivable balances.

Example: If the standard rate sales tax code is V1 and the appropriate turnover line needs to be included in the calculation of trade receivables, the code V1C1 needs to be added in column A of the appropriate turnover line on the income statement. Example: If you do not want a particular turnover line to be included in the trade receivables calculation, you can include any sales tax rate followed by C0 in order to exclude the line in the trade receivables calculations.

For example, a turnover line with a code of V1C0 would not form part of the trade receivables calculations. Note: If your business has no trade receivables, you can simply enter a nil value in the debtors days assumption on the Assumptions sheet. The trade receivables line on the balance sheet will then also contain nil values. If you want to include variable weekly debtors days, you can do so by changing the debtors days assumption in the Workings section of the balance sheet which has been included below the section with the ratios.

Simply replace the formula which links the debtors days assumption to the value on the Assumptions sheet by overwriting it with the appropriate debtors days value. If you therefore want to increase or decrease these balances, you need to add the amount of the increase or decrease to the line with a matching description on the cash flow statement under the changes in operating assets section.

If you therefore want to increase or decrease these balances, you need to add the amount of the increase or decrease to the line with a matching description on the cash flow statement. Note: The shareholders contribution line on the cash flow statement can be found under the cash flow from financing activities and the reserves line on the cash flow statement under the non-cash adjustments.

The retained earnings balances on the balance sheet are linked to the retained earnings for the year which is calculated on the income statement. Loans with the same repayment terms can be grouped together in the appropriate line item. There is no difference between the treatment of loans 1 to 3 and leases. If you do not have finance leases and have loans with 4 different sets of repayment terms, you can use the Leases sheet and rename the appropriate line items accordingly.

Note: The loan repayment period in years is limited to a maximum period of 30 years. If you want to include a loan repayment period which exceeds this period, you need to change the data validation settings in the appropriate input cell by selecting the data validation feature from the Data tab on the Excel ribbon and editing the maximum value of 30 which has been set in the loan repayment period cells.

Each of the loan repayment terms can be specified in the Loan Terms section on the Assumptions sheet. The loan terms include the annual interest rate, loan repayment period in years and a selection field which can be used to indicate interest-only loans. These loan repayment terms are then included at the top of the appropriate loan amortization sheet on the Loans1 to Loans3 and Leases sheets.

Note: A set of loan terms can be specified as interest-only by selecting the "Yes" option from the interest-only drop-down list in the appropriate loan terms on the Assumptions sheet. If this selection is made, the loan will be interest only and not include any loan repayments. All the calculations on the amortization sheets are fully automated. The loan terms are taken from the Assumptions sheet and the opening balances in the first row of the amortization table are based on the opening balances that are entered in the balance sheet opening balances section of the Assumptions sheet.

The loan repayments, interest charged and capital repayments are calculated based on the outstanding balances at the beginning of each period. Additional loans can be added to the appropriate amortization table by entering the appropriate values in the proceeds from loans section on the cash flow statement under the cash flow from financing activities section.

The outstanding loan or lease balances at the end of each weekly period are then included in the appropriate lines on the balance sheet. If the appropriate weekly closing balance is negative, the balance is included as a bank overdraft and if it is positive, it is included as cash under current assets on the balance sheet. The trade payables balances on the balance sheet are calculated based on the creditors days assumption which is specified on the Assumptions sheet.

The number of days that are included here can be determined based on the average trading terms which has been negotiated with suppliers. The weekly cost of sales, operating expenses and staff costs on the income statement are added together in order to determine a weekly value on which the trade payables calculations should be based. Expenses and costs which are paid on a cash basis can be excluded from the trade payables calculation by entering a code which ends in C0 in column A on the income statement.

The codes in column A start with the appropriate two character sales tax code and end with the two character payables code. Example: The expense codes in column A for all line items that need to be included in the trade payables calculation and which need to be subject to sales tax at a standard rate should be V1C1. If the expense item is settled on a cash basis and also subject to the standard sales tax rate, the code in column A should be V1C0 which will then result in the item not being included in the trade payables calculation.

For standard sales tax, the code will therefore be V1C1. Like the calculation of inventory and trade receivables balances, the trade payables balances are based on a number of full weeks with total days of less than the creditors days and part of the previous week's days. Note: The above calculation principle is applied regardless of the number of days which are entered as the creditors days assumption on the Assumptions sheet even if the value of the creditors days assumption requires the inclusion of multiple weeks.

This method of calculation is the most accurate way of projecting trade payables balances even for businesses where there is significant sales or expense volatility. The trade payables calculation will also only include lines that are coded with a sales tax rate code in the first two characters and a "C1" at the end of the code.

The C1 part of the code refers to purchases on credit while the inclusion of a C0 code at the end refers to cash purchases. Example: If the standard rate sales tax code is V1 and the appropriate cost of sales or expense line needs to be included in the calculation of trade payables, the code V1C1 needs to be added in column A of the appropriate line on the income statement. Example: If you do not want a particular cost of sales or expense line to be included in the trade payables calculation, you can include any sales tax rate followed by C0 in order to exclude the line in the trade payables calculations.

For example, an expense or cost of sales line item with a code of V1C0 in column A on the income statement would not form part of the trade payables calculations. Note: If your business has no trade payables, you can simply enter a nil value in the creditors days assumption on the Assumptions sheet.

The trade payables line on the balance sheet will then also contain nil values. If you want to include variable weekly creditors days, you can do so by changing the creditors days assumption in the Workings section of the balance sheet which has been included below the section with the ratios. Simply replace the formula which links the creditors days assumption to the value on the Assumptions sheet by overwriting it with the appropriate creditors days value.

The template accommodates the inclusion of sales tax in all relevant calculations based on four default sales tax calculation codes and any sales tax period. All income statement and cash flow statement items need to be entered exclusive of any sales tax that may be applicable and the trade receivables and trade payables balances on the balance sheet will be calculated inclusive of sales tax. The net sales tax liability is included in the Sales Tax line on the balance sheet.

Where there is no sales tax input which reduces the sales tax liability, the codes in column A on the income statement can simply be changed to contain a sales tax code in the first two characters of the code which has a zero percentage. Keeping track of these accounts can inform your collections process by helping you quickly identify which overdue payments have aged significantly. A balance sheet provides a summary of financial health in a single, brief report.

With this balance sheet template, you can assess the financial standing of a business by examining assets, liabilities, and equity.

Business owners can use it to evaluate performance and communicate with investors. Use this income statement template to assess profit and loss over a given time period.

This template provides a clear outline of revenue and expenses along with net income figures. You can edit the template to match your needs by adding or removing detail, and create an income statement for a large or small business.

This template works for any length of time and allows you to compare different periods for a quick analysis of cash flows. It include sections for an itemized list of revenue and expenditures, automatic calculations of totals and net cash flows, and a simple layout for ease of use. You can modify the template by adding or removing sections to tailor it to your business. Use this statement of cash flows template to track and assess cash flows over a three-year period.

The template is divided into sections for operations, investing, and financing activities. Simply enter the financial data for your business, and the template completes the calculations. This comprehensive template offers an annual overview as well as monthly worksheets.

Create a detailed monthly cash flow report to analyze performance or plan for the future. Each month has a separate sheet so that you can get a thorough picture of cash inflows and outflows for both short- and long-term periods.

Add receipts and payments to this daily cash flow template to get a deep understanding of business performance. Use this template to create a cash flow forecast that allows you to compare projections with actual outcomes. This template is designed for easy planning, with a simple spreadsheet layout and alternating colors to highlight rows.

You get a snapshot of cash flows over a month period in a basic Excel template. Cash flow projection templates can cover a variety of time frames, including the quarterly format offered here. Quarterly projections are useful for new businesses and those wanting to align cash flow projections with upcoming goals and business activities.

Use the template to create projections and then compare the variance between estimated and actual cash flows.