12-Month Cash Flow Forecast

There are, and some are fine. The difference is what has been checked. This file was built from scratch, then every formula in it was recalculated by a separate checker that compares each result against an independently worked-out answer — 43 of them here. A template that looks right and totals wrong is worse than no template at all, and that is the usual failing of one downloaded from a search result.

It also opens with sample rows already filled in, so you can see every formula working before you touch it, and it is set up to print without fighting the page setup. No email wall, no signup, no watermark, and you can use it commercially.

Profitable businesses still run out of cash when money goes out before it comes in. This 12-month cash flow forecast for Excel starts from one opening balance and carries it forward month by month, so you can see the closing balance for every month of the year.

The health check shows your lowest and highest closing balances, how many months are in deficit, how many end below zero and your average monthly net cash flow.

Set the opening balance for month 1 only — every later month carries forward on its own. Change any cash in/out figure and the whole year re-forecasts.

The file opens with sample rows so you can see every formula working before you change anything. Type your own figures over them. When you need more rows, insert them inside the existing block rather than underneath it, so the totals keep covering every row.