U.S. Bank research found that 82% of small business failures are caused by cash flow problems — not lack of customers, not bad products, just money arriving too late to cover expenses. This Profit And Loss shows you exactly when money comes in and when it goes out.

What’s inside this Profit And Loss template

• Weekly cash in and cash out — see the real movement of money, not just profit on paper
• 30, 60, and 90-day forward forecast — know what your bank balance will be before it happens
• Accounts receivable tracker — outstanding invoices listed by due date so nothing is forgotten
• Accounts payable tracker — upcoming supplier payments planned against available cash

How to use this Profit And Loss template

1. Get access using the button above, then copy it to your Drive.
2. Set up your income categories — recurring, project-based, and occasional revenue separately.
3. Enter all fixed outgoings first so the baseline cash position is always accurate.
4. Update actuals each week as invoices are paid and bills are settled.
5. Use the variance column to understand why forecast and actual differ, and improve next month’s accuracy.

Why Google Sheets for Profit And Loss?

Google Sheets gives you a cash flow forecast that updates the moment you change a number — no software refresh, no export required. Share it with your accountant and they see the same live view you do, which makes every finance conversation more productive.

Frequently asked questions

Is this cash flow template free?

Yes — completely free. Enter your email above and the link is sent instantly. Make a copy in Google Drive and it is yours with no cost, no trial period.

How far ahead can I forecast with this template?

The template is set up for a 90-day rolling forecast. You can extend it to 12 months by adding columns — the formulas carry across automatically.

Can my accountant access this?

Yes. Share the Google Sheets link with view access and your accountant sees the same live forecast you do. No file sending, no version confusion.