Finance template
12-Month Cash Flow Forecast
Opening balance carries forward all year; flags your lowest point and any deficit months.
- Live formulas
- 43
- Columns
- 6
- File
- 8 KB
$5
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Works in Excel 2013 and later, Microsoft 365, Google Sheets and LibreOffice Calc. Set up to print on one page wide.
About this 12-Month Cash Flow Forecast template
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.
Good for
- →Spotting a cash shortfall months before it happens
- →Planning when to make a large purchase or hire
- →Showing a bank or investor how cash moves through the year
What it works out for you
Health check
- →Lowest closing balance
- →Highest closing balance
- →Months in deficit
- →Months below zero balance
- →Average monthly net
What you fill in
The table has 6 columns. Calculated columns fill themselves in; the rest are yours to type over.
- →Month
- →Opening balance
- →Cash in
- →Cash out
- →Net
- →Closing balance
How to use it
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.
Functions it uses
Every one of these exists in Excel, Google Sheets and LibreOffice, so the file behaves the same wherever you open it.
AVERAGECOUNTIFMAXMINSUMQuestions about the 12-Month Cash Flow Forecast
Do I need to enter the opening balance every month?
No. Enter it for the first month only. Each later month opens with the previous month's closing balance automatically.
What is the difference between a month in deficit and a balance below zero?
A month in deficit spends more than it takes in that month. A balance below zero means the running total has gone negative, so you would need an overdraft or other funding to cover it.
Can I use it for personal finances?
Yes. Put income in Cash in and bills and spending in Cash out, and the forecast shows your tightest month.
