Cash Flow Forecast Template. Free download.
A 12-month rolling cash flow forecasting spreadsheet template to project monthly cash receipts, operating expenditures, net cash positions, and runway buffers.
What the cash flow forecast looks like.
A simplified preview with example values. The real file has the full set of fields.
When to use this template.
Liquidity Planning & Runway Analysis
Anticipate cash crunches months in advance to secure financing or adjust spending.
Capital Expenditure & Hiring Planning
Model whether your business can safely afford new hires or equipment investments.
Lender & Investor Presentations
Demonstrate fiscal foresight and disciplined working capital management to financial partners.
What is included in this document.
Beginning Cash Balance & KPI Row
Opening bank balances, closing cash position, and month-over-month burn rate.
Operating Cash Receipts & Inflows
Customer invoice collections, retail sales, retainer fees, and investment income.
Operating Cash Disbursements & Outflows
Payroll, contractor fees, office lease, software subscriptions, inventory, and taxes.
Net Cash Position & Projected Runway
Automated formulas computing monthly net cash surplus or deficit and total runway in months.
Stop filling out blank spreadsheets.
This template gets you started today. Encarmo can connect it to your financial and operational data.
Using a static template
- Outdated immediately because manual spreadsheets cannot predict payment delays
- Complex formula errors lead to incorrect financial forecasting
- Hours spent pulling data from bank accounts every month
Automating in Encarmo
- Live cash flow forecast linked directly to invoices, bills, and bank balances
- AI predictions model when slow-paying clients will actually settle invoices
- Interactive scenario planning models hiring and expansion decisions instantly
More in accounting & finance.
Profit & Loss Statement Template
Balance Sheet Template
Expense Report Template
Template FAQs.
Everything you need to know about downloading and editing this template.
Why is cash flow different from profit?
Profit records revenue when earned, even if the invoice remains unpaid. Cash flow records only actual money arriving in and departing from your bank account.
How far into the future should I forecast?
Most businesses maintain a rolling 12-month forecast, with the closest 3 months planned on a weekly basis for tight cash visibility.
Are formulas included for cash runway?
Yes, the spreadsheet automatically divides your closing cash balance by average monthly burn rate to calculate remaining runway in months.
How does Encarmo forecast cash flow automatically?
Encarmo synchronizes with your bank accounts and accounts receivable to project future cash balances based on historic spending and scheduled invoices.
Upgrade from templates to automated workflows.
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